Faylor St. Hilaire
9920 SW 12 Street
Pembroke Pines, FL 33025
Mobile:- – Email:-
NMLS#: 382709 License#: L035066
QUALIFICATION HIGHLIGHTS
Highly motivated and passionate individual with a culmination of 10 plus years of experience in
the area of customer service and mortgage. Very hard working individual willing to go the extra
mile in order to meet deadlines and goals; and able to understand and implement job related
policies.
EDUCATION
Master of Business Administration
2008 – 2011
Concentration in Finance
Nova Southeastern University, Ft. Lauderdale, FL
Bachelor of Arts and Sciences
1997 – 2000
Major: Psychology
Minor: Marketing
Florida International University, Miami, FL.
PROFESSIONAL EXPERIENCE
Loan Consultant
loanDepot, LLC
2018 - Present
● Promoting and selling of residential, jumbor, and personal loans.
● Conducting online and face-to-face sign-up and registration of mortgage applications.
● Running and reviewing credit report information of clients.
● Originating mortgage products.
Mortgage Consultant/Loan Officer
Neighborhood Assistance Corporation of America
2016 – 2018
● Creating home ownership opportunities for low and moderate-income individuals and
families by conducting comprehensive face-to-face housing affordability counseling to
80-100 potential homeowners each month.
● Using verification forms for rental history and previous/current employment and
income to minimize fraud.
● Developing and maintaining strong third party relationships with realtors, listing
agents, and grant provider(s).
● Conducting community outreach though homebuyer workshops 2-3 times a month
with at least 300+ people in attendance.
● Conduct realtor workshops.
● Prioritizing, organizing, and performing multiple task simultaneously.
● Conducting 10-day, 3-day, and 24-hours call-outs to confirm member appointments.
● Researching, reviewing, understanding, and properly applying FHA and HUD
guidelines.
● Communicating clearly and effectively, in writing and verbally, across a variety of
audiences.
● Analyze simple and complex financial data and provide provide financial alternative
within NACA policies and guidelines.
● Pull members’ credit reports to analyze credit history and management.
● Overall volume in closed loans: $7 + million.
Faylor St.Hilaire
Junior Underwriter
American Bancshares Mortgage, LLC
2015 – 2016
● Underwrote conventional loans for refinance and purchase mortgage transactions.
● Recommended loans for final approval while minimizing the overall credit risk to the
Lender.
● Reviewed income, asset, credit report, collateral, insurance, and Title documents.
● Approved final HUD-1 documents.
● Provided ticket support to loan originators and processors regarding mortgage related
questions by reviewing Freddie Mac, Fannie Mae, VA, and VA guidelines.
● Gathered and shipped loan documents requested by Warehouse Banks.
● Insured FHA loans.
Mortgage Underwriter
Digital Risk
2014 - 2015
● Manually underwrote and rendered 60 initial loan decisions and completed 210 total loan
activities a month.
● Recommended loans for final approval after accurately analyzing file to minimize credit risk or
credit fraud to the Bank.
● Recommended denials and discussed with mortgage loan originator and processor to provide
guidance and possible future lending solutions for the client.
● Reviewed 100+ loan disclosures, including Texas 50 (a)(6) loans, a month to ensure compliance
with RESPA/STATE/Federal and investment requirements.
● Reviewed and verified Flood Certification for every loan file.
● Reviewed over 1000+ pages of wage earner and self-employed income (1040, 1120, 1120S,
1065, K-1, Schedule E, Schedule C, 2106 tax forms, and P&L Statements), asset (IRA,
401(k)/Keogh retirement accounts, stocks, & mutual funds) and credit report documents each
month.
● Determined representative FICO score for clients seeking mortgage credit for refinancing and
purchasing of property by analyzing credit reports.
● Completed in-depth analysis of 1000+ of pages collateral appraisals (single family residence,
PUD, Condo, and Co-operative properties) each month.
● Reviewed 100+ pages of Title documents per month.
● Reviewed loan conditions and cleared loans for closing.
Faylor St.Hilaire
Mortgage Credit Underwriter
Bank of America, Sunrise, FL
2013 - 2013
● Manually underwrote and rendered 60 initial loan decisions and completed 210 total loan
activities per month.
● Reviewed 1000+ volumes of complex business income tax documents (1040, 1120,
1120S, 1065, K-1, Schedule E, Schedule C, 2106 tax forms, and P&L Statements) per
month.
● Analyzed 240+ volumes of personal income documents (Paystubs and W-2s, social
security benefits, annuities, interest and dividends, notes receivable, and pension) per
month.
● Analyzed 1400 volumes of asset documents (checking and savings, certificate of deposit,
IRA, 401(k)/Keogh retirement accounts, stocks, mutual funds, gift funds, business funds,
earnest money deposits, and proceeds from property sale) per month.
● Performed in–depth analysis of 600 volumes of credit report documents per month to
ensure all liabilities are accounted for and appear on the 1003 per guidelines
requirements.
● Performed in-depth analysis of credit reports to ensure name and/or address variations are
captured and Letters of Explanation are conditioned for as needed per guidelines
requirements.
● Determined representative FICO score for clients seeking mortgage loans.
● Completed in-depth review of collateral appraisals (single family residence, PUD,
Condo, and Co-operative properties) and conditioned for any needed items per guideline
requirements.
● Completed the 1008 forms for every final approval of loan files. - Reviewed 100+
volumes of Title documents to evaluate property ownership.
● Underwritten in an efficient manner in order to meet ECOA 30-day requirement. Worked and communicated with senior management credit conditions and status. Assisted loan processors and originators in addressing credit related issues and point of
risks in order to render an equitable, legal, and beneficial decision.
Faylor St.Hilaire
Mortgage Banking Credit Underwriter
JPMorgan Chase & Co., Jacksonville, FL
2012 - 2013
● Authorized 60 initial credit decisions and completed 180 total loan activities per month.
● Analyzed 1000+ pages of financial document for self-employed customers (e.g., 1040,
1120 & 1120s, 1065, Schedule E tax forms) per month.
● Analyzed 240+ personal income documents per month to determine qualifying income
(e.g., W-2, paystubs).
● Analyzed 1400 asset documents per month to determine eligibility of reserve
requirements.
● Analyzed 600 credit report documents per month to determine qualifying representative
FICO score and evaluate tradeline requirements.
● Analyzed 100 collateral appraisal documents per month to verify subject property
compliance with bank policy and procedure.
● Assisted loan processors and loan officers in addressing credit related issues and point of
risks.
● Underwrote HARP loans.
Loan Servicing Officer
Opa-Locka Community Development Corporation, Miami, FL
2010 - 2011
● Aided clients seeking homeownership counseling with preparation of proper and
pertinent documents.
● Calculated pre-qualifying loan amounts for prospective borrowers.
● Posted loan payments from clients to Trakker loan servicing software and receipt book.
● Composed and mailed delinquency and collection letters to clients in delinquency status.
● Updated files of clients seeking home ownership aid and counseling through the
organization.
● Collected price quotes from surveyors and appraisers for home purchasing related
services for Fund Manager.
● Provided support in the grant proposal process for the lending department.
● Prepared monthly loan status reports for Fund Manager and Company President.
● Filed loan agreements, mortgage, promissory notes, and amortization schedule for new
loans.
● Created electronic folder on corporation’s computer network for account holders of
mortgage loans.
● Set up new loan accounts in Trakker loan servicing system.
● Generated 1098 IRS Forms for each loan account detailing previous year interest
payments via Trakker loan servicing software.
● Generated coupon booklets for each loan account holder via Trakker loan servicing
software.
Faylor St.Hilaire
SKILLS
● Proficient in MS Office Applications (Excel, Word, PowerPoint, Outlook), Internet, and
Email
● Experienced with Fannie Mae Desktop Underwriter & Freddie Mac Loan Processing
Underwriting Systems.
● Working experience in Encompass.
● Effective Multi-Tasker
● Financial Analysis
● Credit Analysis
● Experienced, Effective, Articulate, and Persuasive Presenter
● Social Media Expert
