Experience

Hanover Bank

• United States
• Banking
• 1 - 100 Employee

• Non-QM Underwriting Division

  • Sep 2022 - Present



GloriFi (Fintech Start Up)

• Dallas-Fort Worth Metroplex

• VP - Underwriting Manager (impacted by industry layoffs)

  • Mar 2022 - Jul 2022

  Executive level position reporting to the President of the Mortgage Division Strategic role in development and management of credit policies and procedures Direct engagement in build out of Mortgage Lending Division DE Certified - CHUMS ID obtained in 1998 Executive level position reporting to the President of the Mortgage Division Strategic role in development and management of credit policies and procedures Direct engagement in build out of Mortgage Lending Division DE Certified - CHUMS ID obtained in 1998



First Guaranty Mortgage Corporation®

• United States
• Financial Services
• 200 - 300 Employee

• VP, Underwriting Retail Operations (move to GloriFi - career advancement)

  • Jan 2021 - Mar 2022

  Led Underwriting team of 3 Managers and 32 underwriters for Consumer Direct Channel. Full $2 million lending authority including authority to grant exception approvals. Led Underwriting team of 3 Managers and 32 underwriters for Consumer Direct Channel. Full $2 million lending authority including authority to grant exception approvals.



Developers Mortgage Corp

• Columbus, Ohio

• Underwriting Manager (move to FGMC - career advancement)

  • Sep 2018 - Dec 2020

  Managed credit decisions and underwriting quality on delegated pipeline for company's agency and non-agency programs including conventional, FHA and Non-QM loans. Managed credit decisions and underwriting quality on delegated pipeline for company's agency and non-agency programs including conventional, FHA and Non-QM loans.



Home America Lending Corp.

• Patchogue, New York

• National Underwriting Manager (out of business - transitioned to Developer's Mortgage)

  • Sep 2017 - Sep 2018

  Led team of Company underwriters covering loan decisions and credit risk for Retail Channel. Full lending authority for all credit decisions including agency, non-agency, FHA, USDA programs. Led team of Company underwriters covering loan decisions and credit risk for Retail Channel. Full lending authority for all credit decisions including agency, non-agency, FHA, USDA programs.



Caliber Home Loans

• Melville, NY

• Regional Processing Manager - New England Region (office closure - transitioned for new opportunity)

  • May 2016 - Sep 2017

  Built team of 15 employees to manage processing and closing for New England region. Successfully managed pipeline volume of 744 units for $255 million. Responsible for managing quality and integrity of units processed for the region. Kept abreast of all credit requirements and provided updates and coaching to staff. Effectively complied with all Federal and State Regulations. Assessed experience and knowledge growth of the team and provided continuous training. Built team of 15 employees to manage processing and closing for New England region. Successfully managed pipeline volume of 744 units for $255 million. Responsible for managing quality and integrity of units processed for the region. Kept abreast of all credit requirements and provided updates and coaching to staff. Effectively complied with all Federal and State Regulations. Assessed experience and knowledge growth of the team and provided continuous training.



Academy Mortgage Corp

• Farmingdale NY

• DE/Senior Underwriter (move to Caliber - better opportunity)

  • Jan 2013 - May 2016

  Responsible for credit quality of all conventional and FHA loans underwritten for the Company. Integral part of decision making in relation to financial risk level for the Company. Underwrote all loans to the guidelines of 5 eligible investors. Analyzed audit feedback from investors, addressed accordingly and reported analysis to Executive Management. Responsible for credit quality of all conventional and FHA loans underwritten for the Company. Integral part of decision making in relation to financial risk level for the Company. Underwrote all loans to the guidelines of 5 eligible investors. Analyzed audit feedback from investors, addressed accordingly and reported analysis to Executive Management.



Chase

• Garden City, NY

• AVP-Center Underwriting Manager (office closure - job change necessary)

  • Feb 2012 - Jan 2013

  Lending authority of $2.5 million with authority to analyze complex loans and second level review of all high end conventional loans transactions. Led team of 5 Underwriting Supervisors responsible for the quality of decisions rendered by staff of 30 day shift underwriters and 20 2nd shift underwriters. Managed pipeline of 500 conventional loans consisting of agency and non-agency loans. Lending authority of $2.5 million with authority to analyze complex loans and second level review of all high end conventional loans transactions. Led team of 5 Underwriting Supervisors responsible for the quality of decisions rendered by staff of 30 day shift underwriters and 20 2nd shift underwriters. Managed pipeline of 500 conventional loans consisting of agency and non-agency loans.



Prospect Mortgage

• SVP-Divisional Underwriting Manager East

  • Jun 2009 - Jun 2011

  Responsible for credit quality and performance for underwriting on the East Coast. Manage 1 Divisional Underwriting Manager and 4 Regional Underwriting Managers. Responsible for credit quality and performance for underwriting on the East Coast. Manage 1 Divisional Underwriting Manager and 4 Regional Underwriting Managers.



Bank of America

• VP-Fulfillment Site Leader (career advancement)

  • Oct 2008 - Jun 2009

  Responsible for managing operations of 37 employees in the Melville Regional Operations Center. The center is responsible for the disclosure, processing, underwriting, closing and post closing of existing Countrywide B2C customers for the North East Region as well as Branch business in the metro NY area. Responsible for managing operations of 37 employees in the Melville Regional Operations Center. The center is responsible for the disclosure, processing, underwriting, closing and post closing of existing Countrywide B2C customers for the North East Region as well as Branch business in the metro NY area.



IndyMac Bank

• VP - Operations Support Manager (move to Bank of America - career advancement)

  • 2007 - Sep 2008



American Home Mortgage

• SVP-National Underwriting Director (company closure)

  • Nov 2004 - Aug 2007

  Lead 3 VP- Chief Channel Managers for Wholesale, Retail & Correspondent Credit Divisions who manage 10 Regional Credit Managers covering business nationwide. Manage AVP-Credit Policy. Responsible for monitoring investor/agency updates & developing credit policy changes. Manages a team of 3 Project Managers. Manage VP Automated Underwriting Team responsible for administration/analysis of underwriting conditions for our automated underwriting engine. Manages a team of 4 Automated Underwriting Analysts.Manage VP of Risk Research & Development (R&D)Team responsible for analysis of processes & procedures to determine trends/patterns that may require improvement and recommend improvements. Manages team of 8 R&D Underwriters. Responsible for credit quality of all decisions rendered by AHM’s underwriting staff of approximately 450 employees. Lending Authority of $4,000,000 along with analysis on high jumbo loan sizes and rendering final decision on loans that exceed company guidelines.



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• VP-Senior Strategic Risk Manager (move to American Home - career advancement)

  • Nov 2000 - Nov 2004

  • Managed credit quality of 2 Retail and 2 Wholesale offices. • Analyzed and completed second level reviews for over 300 exception & high risk loan transactions per month with a Lending Authority of $4,000,000. • Authorized and monitored Risk Lending Authority for 4 Loan Fulfillment Centers. • Completed on-going training sessions with fulfillment underwriters on credit policy and procedural changes. • Developed procedures to improve credit quality and efficiency of underwriting staff. • Provided superior customer service and support to Sales and Operations staff for the NY/NJ market-Retail and Wholesale. • Extensive experience and understanding of Affordable Lending products and risk analysis on Community Focus Funds transactions. • Broad level of experience in the following areas: co-op/condo lending in Metro NY/NJ Market, Entity Vesting and risk analysis on loan transactions at million dollar mortgage levels.