NATALIE R. PIPKIN901 MELISSA LANE

GARLAND, TX 75040(HOME) 972-530-5448(CELL) 214-869-0176

(EMAIL) NPIPKIN1@VERIZON.NET ―――――――――――――――――――――――――――――――――――――――――――――――――――――――――――――――――

OBJECTIVEAccomplished administrator seeking to leverage background in personnel management, financial accountant and employee relations to reacquaint my mortgage experience, skills and education to a Mortgage Banking position.

EDUCATIONDallas Christian College, Dallas, Texas

• Practical Ministry/BusinessTexas State University, San Marcos, TX

• Elementary Education

PROFESSIONAL DEVELOPMENT• Certified Mortgage Junior Underwriter• Member of National Association of Mortgage Processors (NAMP)• Leadership Training• Developing Employees• Team Player Training

PROFESSIONAL EXPERIENCEOASIS ON THE MOUNT CHC, Garland, TX 2006-2014Administration Assist/Accountant

• Report to Board of Directors and relied upon for direct input of the financial and administration of all departments. Ensure the organization complies with Federal and State 501©(3) guidelines for Non-Profits

• Responsibilities include management, supervision and administration of the administrative staff.

• Provided ongoing program evaluation, feedback, budget oversight and strategic planning• Developed quality assurance plans that effectively measure the organization’s success in

achieving established goals• Conduct supplier negotiations and issues purchase orders• Monitored and evaluated supplier performance, development and process for cost

improvement• Served as staff resource to Board of Directors Assists with meeting coordination and

provides administrative support to Executive Office • Responsible for the monthly close as well as maintenance of all accounting ledgers

including monthly review of all account reconciliations and journal entries.• Prepared financial reports, including Profit and Loss Statement, Balance Sheet and

Statement of Cash Flows, as well as the year-end financial reports. • Provided timely explanations of variances between actual results and forecasts/budgets;

provide corrective action recommendations to Executive Director and Board Members, where and when necessary.

• Ensured completion and review of all balance sheet reconciliations and identify and communicate findings as well as By-Laws and Policy and Procedures were met at all levels

DISYS CORPORATION, Irving, TX 2009-2011Fannie Mae, Dallas, TXValuation Operations Specialist-Contractor

• Obtained independent values on REO properties to support valuation, listing, and accounting processes.

• Resolved exceptions to the automated order placement and receipt process as well as vendor payment transactions utilizing internal and external using Appraisal Port and TRAX.

• Analyzed issues to find potential solutions and make decisions that will best mitigate losses to Fannie Mae.

• Acted as a liaison between Fannie Mae and the valuation vendors. This includes training, coaching, tracking, and issue resolution for individual appraisers, conduit vendors, and BPO management companies.

• Actively manage vendor portfolio volume of 60 plus per day to minimize turn times while maintaining high quality products.

• Identified process issues and recommended improvements.• Recommended, defined, tested, and implemented system enhancements to create

process efficiencies.

WORKWAY STAFFING, Richardson, Texas 2009-2009 Resolve Financial, Irving, TX Loan Processor-Contractor

• Evaluated loans to determine if borrowers qualified for a loan modification of a pipeline of 50 plus per day.

• Performed detail review of customer documents to determine income.• Analyzed customer expenses vs. income to ensure customer’s ability to qualify for

modification.• Examined loan documentation to ensure accuracy and completeness.• Ensured loan counselors communicate to customers of any information needing to be

obtained to modify loan.• Informed the lender of final decision.

AURORA LOAN SERVICES, Richardson, TX 2004-2006A Lehman Brothers CompanyMortgage Underwriter Assistant

• Evaluated mortgage loans decisioned by DU/LP underwriting as well as through credit depth (FICO scores) along with Fannie Mae and Freddie Mac guidelines to determine credit worthiness though CENTRIX.

• Performed detailed income and asset calculations to determine customer’s ability to repay loan.

• Reviewed loan-to-value ratio, credit reports and applications to ensure that each loan met Company underwriting standards.

• Examined overall Loan Documentation to ensure accuracy and completeness.• Turned loan decisions around that exceeded company requirements by 24 hours.• Analyzed appraisals to ensure value of property.• Identified and reported fraud using Applntell system.• Demonstrated exceptional interpersonal skills with the ability to maintain effective

working relationships with all levels of the company.• Developed and maintained broker relationships that resulted in loans being transferred

from other mortgage businesses to Aurora.• Acquired in-depth knowledge of FHA, VA and Conventional guidelines.

CHASE HOME FINANCE, Irving, TX 2002-2004Loan Closing Coordinator

• Facilitated the final decision process by proactively managing an assigned pipeline of preliminary approved loans to final decisions for assigned territory.

• Facilitated final decision of all loans prior approved by received and analyzed underwriting conditions such as pay stubs, bank statements, title work and appraisals using Fannie Mae and Freddie Mac guidelines.

• Answered questions related to loan status and loan programs for Brokers and Account Executives.

• Proactively managed the #1 producing account executive pipeline of approved loans to closing within 24-48 hours

• Performed verbal verifications of employment when needed and also performed the required data entry into ACAPS around the receipt, analyzation, and status of mortgage documents.

• Informed the Broker of final loan decision and any closing conditions.• Acquired in-depth knowledge of FHA, VA and Conventional guidelines.

TECHNICAL SKILLSIMS/TMO/SMT Valuation Dashboard CENTRIX Appraisal PortApplntell DPI QuickBooks MS OFFICE