Director of Credit

• Jun 2022 - Present

Regional Underwriting Manager / CRA

• Jun 2018 - Present

VA Underwriting Department Manager (Remote Role)

• Jan 2016 - 2018

Capitalize on the opportunity to train, mentor, and manage a top-performing team of 34 Remote Government Underwriters, including leading weekly meetings, as well as planning and prioritizing daily loan file assignments per pipeline for a 24-hour turnaround. Communicate among Underwriters and Team Leads to discuss VA Circular updates / announcements, Credit Policy additions / revisions, and VA Deficiency findings. Objectively deliver disciplinary actions to uphold a high-productivity workplace and align with underwriting standards. Handle timecards, PTO, and / or payroll oversight. Conduct semi-annual / annual reviews, and suggest annual pay increases. • Deliver 2nd Level Underwriting decisions for high-risk VA Purchase or Cash-Out loans. • Collaborate with National Management Group to manage underwriting / operational strategies. • Continually drive Underwriting team to achieve goals and deliver quality-centric loan decisions. • Promote a productive environment and work culture that values staff and rewards key performance. Show less

Credit Risk / Operation Manager (Remote Role)

• 2013 - 2016

Expertly managed underwriting of FHA and VA mortgage loans to verify for completeness, accuracy, and compliance. Optimized use of resources to achieve goals by assigning loan files to underwriting teams. Validated Government test cases for Underwriters’ VA and / or DE designation. Reviewed post-closing audits on government purchase and Jumbo loan files, and review complex loans requiring exceptions and disseminate decisions (i.e. approval, suspend, denial) via both verbal and written communications within a 48-hour turnaround time. • Served as the designated VA Liaison / Subject Matter Expert. • Supported the company’s Director with New Underwriting training. • Promptly analyzed and reported deficiencies, defects, and / or performance gaps. Show less

AVP - Government Underwriting Group

• 2012 - 2013

Strategically steered government underwriting initiatives with management-level responsibilities, including serving as a proactive underwriter of New Construction VA loans for KB Home, as well as FHA Bond loans. Ensured seamless operational processes at all times by assisting departmental staff as necessary to achieve key goals. • Served as 2nd Reviewer on escalation processes. • Recognized as the company’s VA Liaison / Subject Matter Expert. Strategically steered government underwriting initiatives with management-level responsibilities, including serving as a proactive underwriter of New Construction VA loans for KB Home, as well as FHA Bond loans. Ensured seamless operational processes at all times by assisting departmental staff as necessary to achieve key goals. • Served as 2nd Reviewer on escalation processes. • Recognized as the company’s VA Liaison / Subject Matter Expert.

Senior Underwriter III

• 2011 - 2012

Utilized broad scope of industry knowledge toward analyzing and conditioning FHA and VA approved and manually underwritten mortgage loans. Completed comprehensive analysis of personal assets, income, and liabilities for clients to secure an accurate decision to complete the loan processes. Exhibited talent in objectively analyzing personal and business tax returns for income qualification for home mortgage loans. • Successfully underwrote government purchases and refinanced mortgage loans. Show less

Senior Government Underwriter

• 2009 - 2011

Spearheaded thorough analysis to ensure the quality of each loan and to determine compliance with company and investor guidelines. Completed credit and income analysis of loan, ensured proper audits were completed, and verified consistency of loan file information. Evaluated credit information on VA and FHA loan documents. • Collaborated among top Account Executives, Operations Manager, and Production Manager. • Expertly interpreted company underwriting guidelines to make sound credit-worthy decisions. Show less

Senior Mortgage Underwriter

• 2004 - 2007

Contributed sharp analytical abilities toward generating daily credit reports and appraisals while managing a large-scale pipeline of conforming portfolio loans. Demonstrated experience in manually underwriting Conventional / Subprime Lending. Efficiently analyzed borrower debts and collateral to determine credit decisions, property valuation, and restructured loans. Validated underwriting decisions within authority. Seamlessly resolved risk issues for distribution to Team / Senior Managers by proactively assisting internal customers. • Successfully trained newly hired teams. • Ensured accurate and timely loan data on processing systems. • Achieved and maintained internal training certificate for underwriting. • Personally authorized to approve / decline mortgage loans up to a $1-million ceiling. • Developed training materials for Account Executives and Brokers to help produce better loan files. Show less

Mortgage Underwriter

• 2000 - 2004

Played a vital role in facilitating traditional underwriting for conventional loans that ensured accurate mortgage loan submission, including verifying income documents to ascertain credit worthiness. Consistently ensured appropriate document flow, and made alternative structure recommendations to exceed core objectives. • Expertly reviewed financial statements, credit reports, and collateral. Played a vital role in facilitating traditional underwriting for conventional loans that ensured accurate mortgage loan submission, including verifying income documents to ascertain credit worthiness. Consistently ensured appropriate document flow, and made alternative structure recommendations to exceed core objectives. • Expertly reviewed financial statements, credit reports, and collateral.