1. Lynette Heeren
945 Willow Run, Stone Mountain, GA 30088 email: lynsha69@gmail.com Telephone: (678) 458-3180
Seeking position as…
SENIOR UNDERWRITER
FNMA/FHLMC
Special Emphasis: JUMBO Underwrites
“Proactive Leader and Problem Solver”
Extensive experience in mortgage underwriting positions. Expertise in AUS and Manual Underwriting, Product
guidelines, Operation processes, underwriting systems and due diligence & compliance on closed loans.
AREAS OF EXPERTISE
 Conventional Underwrites
 Manual Underwriting
 Leadership and Training
 Due Diligence Compliance Underwriting
 Quality Control Assurance
 Interactive with Sales and Customers
 Product Knowledge, Performance, Production
Volume
 DataTrac, Encompass, Calyx, Paperless, Blitz
Docs
 Ship and Fund closed loan documents
CAREER HISTORY
1/13 - Present Clayton, QC Underwriter
Prepared and preformed closed loan underwrite.
Conventional first and second residential mortgage loans for various investors
Utilize the CLAS system
Identify and record all underwriting exceptions in the Issues and Exceptions section of CLAS.
Prepared repurchase and exceptions for client review in accordance with the Investor’s policies and guidelines.
Assist associates with stipulations and underwriting conditions to position as support.
2/10 - 12/12 Home Capital Inc., Quality Control Auditor - Compliance
Specialist
Preformed QC auditing for front line underwriting.
Process Post-closing issues and insuring of HUD payouts.
Implement and created monthly Audit Summary Reports,
Identify and record all underwriting exceptions in the Issues and Exceptions section.
Prepared repurchase and exceptions for client review in accordance with the Investor’s policies and guidelines.
Assist associates with stipulations and underwriting conditions to position as support.
02/08 - 2/09 Americap Mortgage Corporation, Quality Control Auditor
Internal File Auditing, Conventional & Government Loans Back-end Underwriting
Recertifying all qualifying information submitted prior closing and funding.
Complied weekly report for management review of QC audits preformed with findings.
Prepared repurchase and exceptions for client review in accordance with the Investor’s policies and guidelines.
Assist associates with stipulations and underwriting conditions to position as support
2/07 – 2/08 Westminster Mortgage, Secondary Marketing Specialist
Preformed and assisted MLO to lock all loans, Conventional, Government
Research the Investor guidelines to ensure lock appropriately for the loan program and product.
Complied weekly report for management review of Loans locked and priced for management.

2. CAREER ACCOMPLISHMENTS
Quality Control Auditor Clayton 2012-Present
Quality Control Auditor – Compliance Specialist Home Capital Inc. 2010-2012
Quality Control Auditor Americap Mortgage Corporation 2008-2009
Secondary Marketing Specialist Westminister Mortgage Bankers 2007-2008
Mortgage Professional Training Course (150 hrs.)
Certified Notary, DeKalb County, GA (thru 2009)
EDUCATION
Neighborhood Watch Training Course (150 hrs.)
High School Graduate Kalamazoo Central High School 1986
College Graduate Grand rapids Community College 1989
REFERENCES
Upon request