Claudia Reid's core competencies, as detailed in the sources, can be categorized into three main areas: Underwriting Expertise, Technical Proficiencies, and Leadership & Management. These areas collectively demonstrate her versatile skill set, bridging deep financial operations with strategic project and business consulting.
Here are her core competencies:
• Underwriting Expertise:
◦ Credit Risk Assessment & Analysis: This is a foundational skill, highlighted by her 20+ years of experience in mortgage underwriting. She conducted comprehensive credit analysis, including income verification, asset assessment, and analysis of reports from all three major credit bureaus.
◦ Regulatory Compliance (FHA, VA, USDA): Claudia has extensive knowledge and experience ensuring adherence to federal and state lending requirements. Her roles consistently involved maintaining strict adherence to regulatory guidelines, including Dodd-Frank, Fair Lending, and Truth in Lending regulations.
◦ Debt-to-Income Ratio Calculations: An essential part of her underwriting duties, ensuring financial viability for borrowers.
◦ Automated Underwriting Systems (AUS/DU): She is proficient in using systems like Desktop Underwriter (DU) for automated loan eligibility assessments.
◦ Loan Quality Control: Demonstrated by her consistent achievement of exceptional loan quality standards and accurate processing.
◦ Financial Document Analysis: She specialized in analyzing business financial statements, particularly for self-employed borrowers.
• Technical Proficiencies:
◦ Encompass: Used for processing high-volume mortgage applications.
◦ Loan Origination Systems (LOS): Utilized for efficient loan processing.
◦ Desktop Underwriter (DU): Essential for automated loan eligibility assessments.
◦ Fiserv CorePoint Lending: Employed for underwriting complex loan applications.
◦ Loan Prospector.
◦ Electronic Document Management (EDM).
◦ CRM Systems.
◦ Fraud Detection Systems.
◦ Beyond these, her recent certifications include AI and digital technologies, and Cloud Migration & Cybersecurity, further expanding her technical acumen.
• Leadership & Management:
◦ PMO Consulting: Claudia provides strategic guidance in establishing, optimizing, and managing project management frameworks for organizations. This is also evident in her current independent engagements as a PMO Consultant / Business Consultant.
◦ Project Management: She has a strong background in project management, leading enterprise-wide technology deployments, system migrations, and real estate development projects.
◦ Process Improvement: A key strength, where she has demonstrated success in streamlining processes, enhancing operational efficiency, and reducing turnaround times.
◦ Risk Mitigation: She develops strategies for various risks, including construction delays, cost overruns, and market fluctuations.
◦ Team Leadership: Coordinated cross-functional teams including vendors, contractors, and internal stakeholders, and coached project managers to strengthen delivery and organizational performance.
◦ Vendor Relations: Successfully coordinated multi-vendor operations.
◦ Stakeholder Communication: Provided clear communication throughout the loan process and engaged with various stakeholders in project roles.
◦ Quality Assurance: Conducted rigorous quality assurance testing and troubleshooting in financial
