LaWanda Carey
Fredericksburg
Summary
Mortgage and financial services professional with 14+ years of experience supporting mortgage underwriting and operations. Skilled in financial analysis, credit report and loan documentation review, underwriting support, and compliance. Experienced with Encompass and other financial services systems. Currently pursuing National Association of Mortgage Underwriters (NAMU) coursework, including FHA DE LAPP/SAR classes. Active Virginia Certified Title Settlement Agent with additional banking and real estate experience.
Overview
1
1
Certification
20
20
years of professional experience
Work History
Member Service Representative
Educational Systems Federal Credit Union
Greenbelt, MD
05.2026 - Current
- Provided comprehensive assistance to members through 90+ daily incoming calls, addressing inquiries related to loan payments, credit lines, withdrawals, and additional financial transactions.
- Reviewed and enforced BSA, OFAC, and information security guidelines, ensuring alignment with organizational policies.
- Facilitated high-quality professional services while balancing numerous priorities in a dynamic financial services atmosphere.
- Managed account transactions through CRM systems, maintaining high standards of accuracy and reliability.
- Provided exceptional customer support, resolving inquiries and enhancing member satisfaction.
Client Service Advocate
CFP BOARD OF STANDARDS
Washington, DC
01.2020 - 09.2025
- Managed high-volume client interactions while guiding individuals through registration, documentation, and certification requirements.
- Reviewed documentation for completeness, tracked outstanding requirements, and maintained accurate records.
- Communicated complex requirements clearly and collaborated across departments to resolve issues and support operational goals.
Mortgage Loan Specialist II
SUNTRUST MORTGAGE, INC.
Glen Allen, VA
10.2006 - 01.2020
- Supported a 25-member underwriting team with mortgage operations, procedures, and policy requirements.
- Reviewed financial statements, credit reports, and supporting documentation for accuracy, completeness, and acceptability.
- Performed financial analysis and coordinated loan documentation to support underwriting review.
- Maintained loan activity logs and tracked incoming loans to facilitate timely processing and underwriting.
- Prepared required declarations and forms, calculated rates and premiums, and managed policy endorsements.
- Maintained accuracy and compliance while managing detailed documentation in a high-volume mortgage environment.
Education
Bachelor of Science - Business Administration and Management
Virginia Commonwealth University
Richmond, VASkills
- Mortgage Loan Processing
- Underwriting Support
- Credit & Financial Document Review
- Loan File Management
- Income & Asset Documentation
- Compliance
- Quality Control
- Loan Operations
- Condition Follow-Up
- Encompass
- Microsoft Office
- Customer Service
- IWork
- Qualia
- Document Management Systems
Certification
- Active Virginia Certified Title Settlement Agent (VCTSA) License
- Virginia Notary Public
- Virginia Real Estate License
- Maryland Real Estate License
Timeline
Member Service Representative
Educational Systems Federal Credit Union
05.2026 - Current
Client Service Advocate
CFP BOARD OF STANDARDS
01.2020 - 09.2025
Mortgage Loan Specialist II
SUNTRUST MORTGAGE, INC.
10.2006 - 01.2020
Bachelor of Science - Business Administration and Management
Virginia Commonwealth University
PROFESSIONAL DEVELOPMENT
- National Association of Mortgage Underwriters (NAMU) — Coursework in Progress
- Currently pursuing additional mortgage underwriting education, including:
- FHA DE LAPP/SAR Classes
- Mortgage underwriting principles and guidelines
- Credit analysis and credit risk
- Income and employment verification
- Asset and reserve analysis
- Debt-to-income ratios
- Loan-to-value ratios
- Borrower qualification requirements
- Loan documentation and underwriting conditions