Allie Barb
Denver
Summary
Dedicated and driven professional with a passion for problem-solving and finding optimal solutions for borrowers. Skilled in building strong relationships with colleagues, industry partners, and clients, establishing myself as a trusted and valued resource. Possessing extensive knowledge of conventional, government (FHA, VA, USDA) loan programs, as well as expertise in bond and jumbo products. Takes pride in taking ownership of each file, ensuring meticulous attention to detail, accuracy, and efficiency.
Overview
15
15
years of professional experience
Work History
Senior Production Partner
Fairway Independent Mortgage
09.2024 - Current
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Answered inquiries with speed and provided superior customer service to clients.
- Provided comprehensive administrative support to Loan Officers so they could focus on building relationships with clients and generating new business opportunities.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to maintain a positive reputation and develop long term relationships and be a trusted lender with all parties
- Reviewed applications, Collected documentation and Completed comprehensive reviews of all necessary documentation to issue valid pre-approval letters
- Monitored key dates to obtain information and ensure deadlines were met .
- Proactively addressed potential roadblocks in the loan process, resulting in faster resolution of issues and higher client satisfaction rates.
Underwriter
Fairway Independent Mortgage
06.2019 - 05.2022
- Highly knowledgeable/ skilled in Conventional, Government (FHA, USDA, VA), Jumbo and multi state Bond programs
- Collateral review included SFD, Manufactured Homes, Condos, New Construction
- Completed every loan with a high level of attention to detail leading to an outstanding level of quality with zero critical errors and no uninsurable loans to date
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income (all types) assets and credit history to support compliance with underwriting guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases. Suggested ideas for restructuring and gave preliminary conditions
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Reviewed/approved appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decisions-making skills when Evaluating loan applications, credit and collateral documents and determining creditworthiness, assessing risk and establishing loan conditions.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
Operations Manager
Fairway Independent Mortgage
01.2016 - 06.2019
- In 2016 I was promoted to Operations Manager
- I oversaw a team of Loan set up, Processors, Closers and funders
- My day to day included pipeline management, ensuring all internal required timelines were being met for reviews/submissions/approvals etc
- Ensured LE's and CD's were being disclosed / re-disclosed within TRID requirements and cures were avoided
- I kept very close track of contract dates to ensure appraisal/title/approval and closing deadlines were always met to protect buyers earnest money and always making sure we made notable positive impressions with all parties
- Tracked file reservations/locks to make sure these were done and re-disclosed timely
- I was also responsible for taking over any problem files and help restructure and maintain an approvable file
- I would send rush initial CD's/ docs/ give funding authorization on rush files if closing was at capacity or on 'rescue' files
- Managed a team of loan officers, providing guidance and support for optimal performance.
- Developed training programs for new hires, fostering a collaborative environment and promoting professional growth.
- Streamlined mortgage operations by implementing efficient processes and reducing redundancies.
- Enhanced customer satisfaction by addressing inquiries promptly and resolving complaints effectively.
- Negotiated favorable terms with third-party vendors, securing cost-effective services for the organization.
- Spearheaded process improvements initiatives, resulting in reduced processing times for loan applications without sacrificing quality or accuracy.
- Collaborated with cross-functional teams to develop strategies for improving overall efficiency in the mortgage department.
Sr. Mortgage Processor
Fairway Independent Mortgage
01.2010 - 01.2016
- Conducted initial reviews of applications from loan officers and loan officer assistants to determine eligibility.
- Requested and gathered all credit/income/asset and collateral information and documentation to conduct thorough reviews. Creating preliminary conditions and needs lists.
- Ensuring received documentation after initial processing analysis was reviewed and assessed timely
- Provided exceptional customer service by addressing borrower concerns promptly and professionally.
- Leveraged industry knowledge and experience to troubleshoot complex scenarios, finding creative solutions that benefited both lenders and borrowers alike.
- Improved team productivity through effective communication and collaboration among colleagues.
- Facilitated seamless transitions from application submission to final approval stages with keen attention to detail throughout the process and excellent communication
- Demonstrated expertise in various loan products including, Conventional, FHA, VA, USDA, several Jumbo investors, Bond products in multiple states and specialized or unique products ie. Dr Loans, construction to perm.
- Managed a high-volume pipeline of loans, prioritizing tasks for optimal efficiency and client satisfaction.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with internal closers and title companies
Education
Littleton High School
Littleton, CO05.2007
Skills
- Confident in my Decision-making and analysis skills
- Efficient Pipeline management and follow up tracking systems
- Systems/platform knowledge-Microsoft office, encompass, point, AUS (LP,DU, GUS), FHA connection, VA WebLGY, optimal Blue, fraud guard, several Jumbo and Bond platforms, USDA, Private MI platforms, Docs Direct, do a magic, Schwartz, pacer
- Sales and ops “Go to” person for Complex or unique income scenarios and calculations Also for other credit or collateral transactions that dont clearly meet guidelines
- Exceptional communication skills
- Ability to quickly resolve issues and provide alternative options and solutions when a problem arises
Timeline
Senior Production Partner
Fairway Independent Mortgage
09.2024 - Current
Underwriter
Fairway Independent Mortgage
06.2019 - 05.2022
Operations Manager
Fairway Independent Mortgage
01.2016 - 06.2019
Sr. Mortgage Processor
Fairway Independent Mortgage
01.2010 - 01.2016
Littleton High School
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