HUD Certified Housing Counselor

• 2017 - Present

● Provide comprehensive individual housing and credit counseling sessions to clients in the community, including, but not limited to: financial literacy, pre and post purchase counseling, budgeting, homeownership education, and foreclosure prevention. ●Engages in tenant advocacy; offers 1st Homebuyer and Fair Housing education workshops throughout the community; links clients to other community resources through referrals or interdepartmental programs available within the NHCAC agency. ● Identify emerging needs, issues and trends among low-and moderate-income residents that impact home ownership and neighborhood construction revitalization. ● Maintain accurate records, produce timely written and verbal reports and effectively use CounselorMax to maintain a computerized tracking system, monitor participants and log case management notes. ● Experience with providing community referrals to family shelters and support services to homeless, low-income, domestic violence victims, elderly, disabled and formerly incarcerated population. ● Build community awareness and seek community partnerships through active outreach participation. ● Employ bilingual marketing strategies and responsible in implementing a curriculum for financial literacy workshops/programs for adults and teens throughout the community while in effort to increase public awareness of all NHCAC programs. ● Enhance the performance of the staff through effective leadership, coaching, and definition of expectation; facilitate and strengthen the ability of staff to problem solve and develop skills. ● Sustain community relationships and work effectively with current and potential housing funders. ● Foster a positive and strong organizational culture that will value accountability, collaboration and help attract and retain a successful and committed department. ● In accordance with grant requirements, complete all quarterly and annual reporting to various funders. Show less

Loan Underwriter

• 2019 - 2021

• Reviews, examines and underwrites loans to ensure soundness, business value and compliance with Investor Guidelines. • Assesses loan attributes and documentation for soundness and accuracy. • Reviews and evaluates data to ascertain loan viability and identify risk issues and potential fraud • Evaluates Debt to income Ratio, Loan to Value ratios, credit score property valuation and other factors. • Determines and documents loan conditions and communicating requirements and / or decisions • Assists in identifying, recommending and / or negotiating alternative loan requirements, funding and / or loan structure solutions. • Provides input on new and / or existing Underwriting processes, procedures and / or approaches • Independently conducts full and comprehensive evaluations of a variety of complex mortgage loan applications. • Applies specialized knowledge in the interpretation of loan and underwriting criteria and the determination of underwriting decisions and final courses of action. • Identifies and recommends alternative financing solutions. • Assesses underwriting program effectiveness and provides input for improvement. • Coaches processors and loan officers on technical underwriting issues. • Exercises discretion and independent judgment in addressing critical business matters that have a significant financial impact. • Responds to Quality Control reports as requested by Senior Management. • Continuing education through company and / or industry sponsored classes or seminars. • Trained and mentored comprehensive conventional lender’s loan programs, procedures, DU/LPA matrix-lending guidelines, and technological resources. Show less

Branch Operations Manager

• Jun 2009 - Dec 2016

Oversee daily operations, including supervision of Member Service Representatives, adherence to policies, equipment operation/repair, maintenance of database, secured opening and closing operations, cash/ ledger balances, etc. Conversant with credit union policies, including updating underwriting policies and guidelines when changes are required. Oversee loan operation process, ensuring timely and appropriate lending. Prepare reports for and participate in Strategic Planning, monthly Board meetings and applicable committee meetings. Ensure vendor due diligence based on NCUA regulations and implementation/facilitation of products/services. Facilitate financial literacy workshops throughout the community. Employ bilingual marketing strategies to increase membership. Show less

Credit/Housing Case Manager

• Jan 2009 - Dec 2016

Provide financial counseling, including money management, and goal planning to eligible low income individuals in debt. Responsible in helping clients address credit obligations, provide rental/mortgage counseling to assist with housing retention. Contact creditors and lenders to discuss feasible payment arrangements for possible loan modification or forbearance programs. NACCC/HUD-certified and possess a strong knowledge of all community resources available through the new American Recovery and Reinvestment Act (ARRA). Work closely with loss mitigation, HAMP, and foreclosure proceedings. Prepare tax returns through the Volunteer Income Tax Assistance (VITA) Program. Underwrite personal, business, auto, and student loans for the 1st Bergen FCU. Show less

Housing Counselor

• 2009 - 2012

Debt Settlement Specialist

• Jan 2009 - Jan 2010

Professionally represented and contacted clients regarding loan modifications, credit card debt settlement solutions, and bankruptcy issues. Ambitiously marketed products to clients and met monthly sale goals. Translated and reviewed contract terms and conditions with clients before signing. Worked closely with all attorneys to ensure customer program qualification success. Responsible for servicing after the sale, updated CRM system, maintained and reported pipeline activity. Professionally represented and contacted clients regarding loan modifications, credit card debt settlement solutions, and bankruptcy issues. Ambitiously marketed products to clients and met monthly sale goals. Translated and reviewed contract terms and conditions with clients before signing. Worked closely with all attorneys to ensure customer program qualification success. Responsible for servicing after the sale, updated CRM system, maintained and reported pipeline activity.

Business Development Consultant/ Prestige MB

• Jul 2008 - Apr 2009

Managed sale leads with adequate follow-up and overall customer satisfaction. Structured the best automobile rate and program for the customer's specific needs. Ability to coordinate deals to gain company gross profit. Responsible for pulling credit, taking application, and quoting the best available program for both client and finance insurance managers. Strong knowledge of the industry and possess strong negotiation skills. Managed sale leads with adequate follow-up and overall customer satisfaction. Structured the best automobile rate and program for the customer's specific needs. Ability to coordinate deals to gain company gross profit. Responsible for pulling credit, taking application, and quoting the best available program for both client and finance insurance managers. Strong knowledge of the industry and possess strong negotiation skills.

Personal Banker

• Jan 2008 - Jun 2008

Senior Team Underwriter

• Mar 2004 - Feb 2007

Trained and mentored comprehensive knowledge to employees of lender's loan programs, procedures, matrix-lending guidelines, and technological resources. Extensive experience with FHA and VA, FNMA and FHLMC. Supervised a minimum staff of 25 individuals. Maintained professional, ethical, and courteous relationships with both external and internal customers. Effectively communicated both favorable and adverse loan credit decisions to brokers and sales. Experience in both residential and commercial lending. Performed due diligence and reviewed high loan limit units for investor sale pools. Authorized senior manager with 850K loan limit and 10% LTV/DTI exception capacity. Show less

2004 Collection Account Manager

• Jan 2003 - Apr 2004

Assisted and participated in the negotiations of leases in matters relating to ownership, credit and accounts receivable issues. Administered the Accounts Receivable module of SAP (a financial management system), including the lockbox operation to ensure accuracy of the financial records and information. Maintained and implemented collection policies and produce and direct new methods as necessary to facilitate recovering the company's assets. Liaison with the law department on all legal matters pertaining to delinquent accounts and bankruptcies. Show less

Record/ Program Analyst

• Jan 2000 - Dec 2002

Prepared reports for Chief of Police and identified actual and potential problem areas, recommended changes relating to the Records Operational Department. Reviewed and evaluated firearm operational programs during application process. Utilized state and federal computerized informational systems to research, analyze, and gather adequate applicant verifications. Established and maintained records and files for all city licenses, firearm permits, warrants, and motor vehicle accident reports. Worked closely with city manager in any conducted city statistics, results or studies related within the police department headquarters. Show less

Store Manager

• Jan 1998 - Jan 2001

Serviced customers, dealt with vendors, and estimated project costs of merchandise. Delegated responsibilities, scheduled work, trained, supervised and evaluated staff. Developed sales strategies designed to promote product awareness to customers. Coordinated special promotions and events. Consistently met and surpassed sales quotas and goals monthly. SKILLS State of NJ Public Notary Exp. 2012 Windows XP, Microsoft Word, Excel, Access, Outlook, Power Point, MS Project, QuickBooks, Internet Explorer Calyx, LoanQuest and Gallagher Mortgage Software Show less