Senior Underwriter

• Nov 2022 - Present

Triple Crown Solution Underwriter - Loan Re-structuring

• Jul 2019 - May 2022

• FHA Direct Endorsed• Main broker contact for escalated loans in suspended status• Leverage knowledge of credit risk, loan products, agency, investor, and regulatory guidelines to provide acceptable re-structure solutions• De-escalate difficult situations calmly to repair and restore relationships while demonstrating empathy and a sense of urgency• Manage a large pipeline while prioritizing multiple competing tasks and deadlines in a fast-paced environment while delivering high-quality, sellable loans• In-depth knowledge of Conventional, FHA and Jumbo products Show less

Sr. Final Sign Off Underwriter - Pre-Closing Quality Control

• Jan 2017 - Jun 2019

• Promoted to Solution Underwriter responsible for reviewing Suspended and escalated loans• Review and analyze loans to provide Quality Control feedback to the underwriting team prior to closing/funding• Confirm loan is in compliance with risk tolerances, program guidelines, and client eligibility• Review employment documentation and re-calculate income for accuracy• Review and re-calculate asset documentation and reserve requirements• Perform credit risk review including reviewing the credit report and ensuring liabilities are calculated correctly• Review title commitments, hazard insurance and flood determinations to ensure all requirements are satisfied• Identify any red flags, potential fraud and/or misrepresentation and address accordingly• Confirm all documents and pre-funding conditions pertaining to Title, Trusts, Subordinations, and POAs have been satisfied• Serve as auditor and subject matter expert for the underwriting team providing concise and accurate feedback Show less

Presidents Club Sr. Underwriter

• Mar 2015 - Dec 2016

• Promoted to Pre-Funding Quality Control Underwriter• Analyze all income, asset, credit, property, and title documentation to ensure meets program and investor guidelines• Ensure the integrity and consistency of data and validate meets automated underwriting engine requirements• Maintain a large pipeline of loans, working independently, making sound decisions, and using good judgment to ensure sellability• Act as a resource and subject matter expert for mortgage brokers as the main contact for underwriting questions and scenarios• Maintain thorough knowledge of lending programs, policies, procedures and regulatory requirements including Fair Lending, ECOA, HMDA, TILA, RESPA and Fair Credit Reporting Act• Multiple time President's Club member for top production and quality Show less

Underwriter II/Team Lead

• Aug 2010 - Jan 2014

• Evaluate and analyze complex residential mortgages on a contract basis for the 3rd largest US Bank • Interpret and adhere to bank, agency, and investor guidelines • Thrived in a fast-paced, aggressive SLA environment • Serve as a subject matter expert assisting management with complex and escalated files • Consistent top producer and 4-time Credit Due award winner for top production and quality, promoted to Team Lead • Provide ongoing training and support to new and existing teammates Show less

Sr Account Executive

• Sep 2001 - Feb 2008

• Business development and client relationship management • Consistent top producer, reaching the #1 salesperson • Build and maintain long-term client relationships • Multiple-time Presidents Club and Producers Circle member • Assisted in hiring, training and mentoring new and existing AE's • Penetrated new markets and generated long-term sales • Business development and client relationship management • Consistent top producer, reaching the #1 salesperson • Build and maintain long-term client relationships • Multiple-time Presidents Club and Producers Circle member • Assisted in hiring, training and mentoring new and existing AE's • Penetrated new markets and generated long-term sales

Fair Lending Compliance Analyst/Regional Credit Underwriter/ Assistant Sales Manager

• Jan 1996 - Jul 2001

• Develop and implement company risk standards to ensure compliance with federal regulations • Provide ongoing Fair Lending, HMDA, and CRA training to all employees • Conduct audits to identify potential compliance weaknesses, and non-compliant situations, report findings to leadership, and provide remediation solutions • Collect, analyze and report fair lending data for HMDA and CRA • Conduct regular audits to identify potential compliance weaknesses, and non-compliant situations, report findings to leadership and provide remediation solutions • Collaborated to create a low-to-moderate income portfolio product Show less