Penny Rogers
Wilmington
Summary
Detail-oriented and results-driven mortgage professional with extensive experience across underwriting, closing, and regulatory compliance. Adept at evaluating loan risk, ensuring accurate documentation, and maintaining strict adherence to federal and investor guidelines (FHA, VA, FNMA, FHLMC). Proven ability to streamline workflows, reduce closing delays, and uphold audit-ready standards in high-volume environments. Known for cross-functional collaboration with loan officers, processors, and legal teams to ensure smooth, compliant closings and exceptional borrower experience. Proactive at heading off issues in operations, workflow, and production by uncovering trends affecting business success. Over 20 years of experience in Finance industry.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Loan Specialist II
Paragon Bank
Wilmington, NC
08.2023 - Current
- Coordinate with loan officers, underwriters, title companies, and attorneys to ensure smooth closings
- Prepare and assemble closing packages including promissory notes, deeds of trust, and insurance documents
- Schedule and facilitate loan closing meetings with borrowers and stakeholders
- Ensure all conditions of the loan approval are met prior to disbursement
- Enter loan data into internal systems for tracking and reporting
- Resolve discrepancies or missing documentation prior to closing
- Maintain organized records of all closing documents and communications
- Monitor deadlines and ensure timely funding and delivery of loan packages
- Strong attention to detail and accuracy in document preparation
- Excellent communication and interpersonal skills
- Ability to multitask and manage time effectively in a fast-paced environment
- Evaluated loan applications for compliance with bank policies and regulatory requirements.
- Assisted in the development of training materials for new Loan Specialists, contributing to overall team success.
Front Office Administrator
Special Wood
Wilmington, NC
05.2023 - 08.2023
- Interacted professionally with customers and inside personnel, answering questions and responding to phone and email inquiries
- Resolved customer complaints or answered customers' questions
- Matched orders with invoices and recorded required information
- Monitored payments due from clients and promptly contacted clients with past due payments
- Reconciles credit card reports daily
- Posted COD and charge accounts invoices to QuickBooks
- Wrote up invoices for customers for inventory needed
- Posted account holders payments in QuickBooks
Post-Closing QC Underwriter/Sr. Analyst
SITUSAMC
Remote, NC
09.2016 - 07.2022
- Audit post close mortgage loan files to include USDA, FHA, VA, Conventional, Modifications and Jumbo loans for compliance and TRID compliance
- Identified loan deficiencies and calculated the risk grade for lenders
- Re-Evaluated income, assets, appraisals, credit, and all applicable compliance documents to ensure they adhered to agency/non-agency guidelines
- Utilized AUS to determine applicable loan conditions
- Maintained up-to-date knowledge of Fannie Mae/Freddie Mac guidelines
- Reviewed an average of 8-10 files per day, while maintaining an average 99.99% accuracy rate
- Participated in training to improve skills set and boost overall knowledge
Senior Mortgage Underwriter
AMERICAN MORTGAGE CONSULTANT INC
Wilmington, NC
07.2016 - 09.2016
- Evaluated mortgage loan risk based on sound underwriting decisions
- Analyzed capacity, credit, cash, and collateral to determine loan approval, counteroffer, or denial
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals, and property valuations
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan
- Requested additional information and documents from borrower to help determine loan risk
- Comply with all state, federal and FNMA-FHLMC guidelines
FHA DE Underwriter
Towne Bank Mortgage
WILMINGTON, NC
05.2013 - 07.2016
- Analyzed documentation collected to ensure applications complied with all underwriting, investor, RESPA, and HMDA guidelines
- Experience with Conventional, FHA, VA, USDA, NC Housing loans
- Trained new employees
- Answered questions from processors and Loan Officers about guideline interpretations on specific loan files
- Prioritized work to meet deadlines while maintaining strong attention -to-detail
- Analyzed borrower financials, credit reports, and property appraisals to assess loan viability.
Education
Finance/Accounting
UNIVERSITY OF NORTH CAROLINA
WILMINGTON, NCSkills
- Extensive Knowledge of Conventional, FHA, VA guidelines
- Strong Attention to Detail
- Analyzing Data
- Automated Underwriting Systems
- Data Integrity
- Regulatory Requirements
- Credit and Collections
- Effective communication
- Account Reconciliation
- QuickBooks Knowledge
- Underwriting Processes
- Mortgage lending
Certification
- FHA Chums ID
- NC Notary
Timeline
Loan Specialist II
Paragon Bank
08.2023 - Current
Front Office Administrator
Special Wood
05.2023 - 08.2023
Post-Closing QC Underwriter/Sr. Analyst
SITUSAMC
09.2016 - 07.2022
Senior Mortgage Underwriter
AMERICAN MORTGAGE CONSULTANT INC
07.2016 - 09.2016
FHA DE Underwriter
Towne Bank Mortgage
05.2013 - 07.2016
Finance/Accounting
UNIVERSITY OF NORTH CAROLINA