Barbara Ann Byard

8817 Driftwood Commons Court

bb50south@hotmail.com
Mint Hill, North Carolina 28227 704-606-3768

Experience:

United Mortgage Loan and Investment Company

Carmel Road
Charlotte, North Carolina
2001 - Present
Quality Control Underwriter
Due Diligence Fraud Auditor

• Review, analyze and audit credit decisions according to applicable credit policy/guidelines
• Document findings in Risk Quality Control database or manually transcribe
• Audit assets, appraisals, income and collateral
• Examine legal documentation for possible misrepresentation, warranty violations or fraud
• Check for forgeries, and determine the source of the fraud
• Perform forensic loan reviews for potential repurchase by sellers
• EPD investigations include a thorough review of the mortgage application, purchase agreement, HUD-1,
verification of employment and assets, escrow instruction, consistency of the SSN and signatures,
appraisal, occupancy, and chain of title
• Work with third party web sites to search for fraud, occupancy and other discrepancies
• Conduct offsite audits
• Make recommendations for corrective action

I routinely analyze residential 1st and 2nd loans, SBA Loans, and Heloc’s. UMLIC is primarily a purchaser of
“scratch and Dent” loans.

I rely on experience and judgment to plan and accomplish my goals

First Beneficial Mortgage Corporation

North Tryon Street
Charlotte, North Carolina
1994 – 2001
Regional Sales Manager

• Managed 10 sales offices and approximately 30-40 employees within the southeast region
• Motivated and trained Account Executives on all loan products and programs
• Ensured Account Executives had a clear working understanding of Automated Underwriting Systems
• Conducted weekly, monthly and quarterly sales staff meetings.
• Ensured that production requirements were met by regularly completing and reviewing reports and
projections
• Stayed current on market trends, programs and products
• Generated additional business through marketing efforts
• Worked closely with Operations to ensure timely closings
• Planned, organized and prepared Workshops for 1st time homebuyers
• Identified key target markets and assisted with the implementation of new products for that market
• Recruited and hired Account Executives, Underwriters and Processors through various advertising
mediums
• Chaired underwriting review committee

I consistently exceeded company goals for monthly, quarterly and yearly production for which I received
 frequent awards and bonuses.

Allen Tate Builder Services Division (BSI)

6700 Fairview Road
Charlotte, NC
1992-1994
Assistant Marketing Director

Builder Services, Inc provides new home sales and marketing services to builders and developers. BSI represents
more than 50 builders and developers whose homes range in price from $70,000 to more than $1 million in
urban and suburban locations.

• Researched and prepared marketing reports for all potential new home communities
• Hired and supervised all new home hosts and hostesses
• Coordinated, prepared and staffed all trade shows
• Consulted with marketing and research firms about the correct marketing techniques for all new home
communities
• Assisted Realtors with commission and or draw structure

I routinely received awards and bonuses for my ability to work easily with multiple internal and external
partners.

Federal National Mortgage Association (FannieMae)

Walnut Street
Philadelphia, Pennsylvania
1982-1992

Multifamily Asset Manager

Fannie Mae provides financing for apartment buildings, condominiums, or cooperatives with five or more
individual units through a nationwide network of Delegated Underwriting and Servicing. My responsibilities
included the monitoring of lenders for compliance and understanding of Fannie Mae guidelines. I closely
monitored lenders and produced weekly and monthly reports which indicated their delinquency ratio, occupancy
ratio as well as other factors. Based on the lenders performance, I recommended a field visit, watch list,
suspension or termination.

Single Family Asset Manager

My duties included the supervision of lenders for compliance with Fannie Mae Guidelines. I assisted lenders with
questions or explanation of guidelines. I also assisted in the Fannie Mae approval process as well as the
suspension or termination of lenders. I routinely visited lenders who were on the watch list. I conducted on-site
workshops as well as assisted with in-house lender training.

The ten years I spent at Fannie Mae have proven to be an invaluable asset in the mortgage industry

Education:

Temple University, Philadelphia, Pennsylvania B.A Business Management

Chestnut Hill College, Philadelphia, Pennsylvania - Real Estate Paralegal Certification
North Carolina Loan Officers License

Skills:
Loan Prospector
Desktop Underwriter
Word, Excel, Point, Byte.
Excellent PC skills with a high level of proficiency in Microsoft Office applications

I possess strong written and verbal skills and demonstrate professional behavior and teamwork. I am punctual,
dependable and adhere to company policies and procedures.
 References
Patrick D. Cannon
Former Mayor Pro-tem
Former City Counsel Member
Owner:
EZ parking
Brittrick Consulting Firm
704-201-1214

James R. Dalton
Retired owner of:
Princeton Chevrolet
Retired New Jersey Talk Show Host
Current consultant for:
New Jersey Boys and Girls Club
609-575-7411

Derrick E. Walker
Owner:
DE Walker Construction
704-309-1986

Cheri F. McNeil
Residential and Commercial Realtor:
Twenty years
Coldwell Banker
704-947-8047

Sharon Abrams
Senior FHA Direct Endorsed Underwriter
Quality Control Underwriting Manager
301-834-4156

Continuing Education
Understanding today’s mortgage risk (MGIC)
Fair Housing (HUD)
Single family and FHA (HUD)
Housing Counseling (HUD)
Multifamily (HUD)

Skill building workshops

Fraud Detection (MGIC)
Understanding credit scores (MGIC)
Optimizing processing with DU and LP (MGIC)