9934 Saw Mill Road Charlotte, NC 28788 704-576-4101 mobile anniejames@aol.com

Anne O. James

Work Experience 2010-Present United Guaranty Greensboro, NC Loss Mitigation SpecialistResponsibilities include rendering a final decision on Mortgage Insurance claims based on a thorough review of the lender’s guidelines for various investors as well as United Guaranty’s guidelines. Assist with special projects as needed including investigations. Insure production goals and quality expectations are met.

2007-2010 Bank of America Charlotte, NCr)Contract UnderwriterUnderwrite loans which require manual underwrite due to guideline exceptions and complexity of loan. Strong communication skills required to insure that processing and the loan officer both understand the loan decision and resulting conditions.

Loan OfficerDevelopment of alliance relationships with realtors, builders and professional contactsTime management skills required to make sales calls and maintain timely management of pipeline Presentation of products and procedures to realtors and builders.Thorough knowledge of all products including FHA, VA, Community Commitment, DAP programs and Bond Programs required to compete in current market.

2006 - 2007 Bridgewater Capital, Inc. Charlotte, NC

Loan Officer

Developed referral contacts including realtors, developers, and personal contacts

Assisted borrowers through the home buying process utilizing my extensive background in the mortgage industry

Ensured timely approvals and loan closings by coordinating with lenders and attorneys

Maintained a thorough knowledge of available loan products and procedures related to processing and underwriting

2001 - 2006 Wells Fargo Home Mortgage Charlotte, NC

Underwriting Manager

Managed a staff of 60 underwriters and support personnel along with three satellite locations.

Maintained a customer satisfaction level of 95%

Responsible for the recruitment, hiring, performance evaluation and compensation for staff.

Responsible for maintaining proper compliance guidelines for the operations center.

Point person for resolving monthly audits.

Increased output of operation center from $2 million to over $200 million per month

2000-2001 First Star (US Bank) Paducah, KY

Senior Underwriter

Underwrote mortgage loans and appraisals in compliance with FHA, VA, and conventional loan standards

Resolved problems with loan files by coordinating the efforts of sales staff and processors

Assisted Underwriting Manager in training of newly hired processors and sales staff

1995-2001 GE Capital Mortgage Insurance Charlotte, NC

Contract Underwriter

Successfully established the first expansion branch for compliance underwriting

Audited the loans for all off-site underwriters in region and compiled the accompanying reports

Trained compliance underwriters and conducted training seminars on appraisal review and loan document review

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Compliance and MI underwriter for various investors

Responsible for the flow of new information and guidelines to underwriting staff

1993-1995 Barclays American Mortgage Corp. Charlotte, NC

Senior Underwriter-FHA Direct Endorsement

Analyzed credit and property values of conventional, FHA, VA, and private investors' loans

Assured sound underwriting decisions were made to ensure secondary marketability by keeping abreast of current product knowledge and investor guidelines

Ensured timely communications with internal departments to resolve discrepancies and meet approval conditions

1987-1993 First Union National Bank/Wachovia Charlotte, NC

Mortgage Loan Officer

Underwrote mortgage loans for branch offices, working with branch personnel on the completion of these files and resolution of problems

Trained underwriters and mortgage loan specialists

Responsible for the review of other underwriters' files

Acquired a thorough knowledge of detail and effective communication skills

Member of a team selected to do "diligence" work for the bank in determining possible acquisition of other financial institutions

1983-1987 CK Federal Savings and Loan/SouthTrust/Wachovia Concord, NC

Loan Closing Coordinator

Originated loans, prepared closing documents, executed the loan closing with borrowers, disbursed loan proceeds, and reviewed title report

Reviewed and corrected all processed data pertaining to the borrower and presented the loan to loan committee for final approval

Conducted computer training of loan officers and loan closers in other branches

Compiled totals of all loans in pipeline, prepared reports, and presented this information to management weekly

Education 1980-1982 UNCC Charlotte, NC

Bachelor of Arts in Business Administration

Graduated with Honors

1977-1978 King's College Charlotte, NC

Degree in Retail Merchandising and Design

1975-1977 Peace College Raleigh, NC

Associate of Arts in Liberal Arts

Additional Training• Licensed Loan Officer in NC Licensed SC Insurance Adjustor

• Management Skills, Manager as a Developer - First Union National Bank

References furnished upon request.

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