Experience

• 

  Credit9, LLC

  • Irvine, California, United States

  • VP, Credit Policy & Underwriting

    • Mar 2022 - Present
    • Irvine, California, United States

• 

  Impac Mortgage Corp.

  • United States
  • Financial Services
  • 400 - 500 Employee

  • VP, Enterprise Development

    • Aug 2021 - Mar 2022

  • Director, Enterprise Development

    • Jun 2019 - Aug 2021

• 

  Bank of America

  • Brea, CA

  • Loan Compliance Auditor

    • Nov 2010 - Jun 2015
    • Brea, CA

    • Respond to internal and external audits and recommend bank counter action with objective supporting evidence • Conduct forensic underwriting audits to determine and establish product compliance • Respond to management project requests and provide support for pending repurchase requests and warranty claims

• 

  AR Business Ventures

  • General Manager

    • Nov 2008 - Nov 2010

    * Streamlined existing production process to reduce labor costs by 12% * Renegotiated vendor and supplier contracts to reduce total expenses by 3%* Named to the Marketing Advisory Counsel in recognition of operational excellence * Introduced green operations initiative which identified and reduced utility costs by 27%

• 

  Citi Residential Lending

  • Director of Underwriting

    • Sep 2005 - Aug 2008

    • Responsible for developing strategies and tools to combat the sophisticated fraud schemes which became rampant in the credit industry• Implemented verification and processing standards to reduce high risk loans from 51% to 9% in 11 months which reduced un-sellable securities by $10 million per month• Trained the production and sales departments to use a new line of credit offerings which became the company’s most successful product launch by growing 400% in the first year• Collaborated with the technology department to create software enhancements to reduce time required to perform the due diligence processes by 35%

• 

  Argent Mortgage

  • Processing & Underwriting Supervisor

    • Sep 2003 - Sep 2005

    • Brought a new second shift team that was responsible supporting the most production teams in the company up to full productivity in 3 months• Created a new processor training program which reduced the time it required for new associates to achieve proficiency by 50% from 16 weeks to 8 weeks• Installed auditing functions within the second shift to ensure the team maintained the lowest number of errors per application in the company at .3%

  • Underwriter

    • Aug 2002 - Aug 2003

    • Made sound loan decisions that were in accordance with company/investor guidelines and government regulations • Reviewed and verified loan stipulations for accuracy and fraud prevention• Communicated with Account Managers to resolve any issues preventing loan approval

• 

  Action Mortgage, Inc.

  • Assistant Mortgage Broker

    • Sep 2001 - Aug 2002

    • Responsible for creating strategies to increase volume while reducing operating costs• Worked closely with web designers to design the company website and an on-line advertising campaign• Increased volume by $2 million by converting internet inquires into funded applications• Upgraded the office’s computer network with a high speed internet service line to reduce automated approval times by 50%