Experience

Forward Lending, Wholesale Lending Division

• United States
• Financial Services
• 1 - 100 Employee

• VP of Credit and Underwriting

  • Mar 2023 - Present



Nations Direct Mortgage

• United States
• Financial Services
• 100 - 200 Employee

• VP of Credit and Underwriting

  • Feb 2022 - Mar 2023



LoanStream Mortgage, Wholesale Lending Division

• United States
• Financial Services
• 100 - 200 Employee

• V.P. of Undewriting

  • Oct 2019 - Feb 2022



JMAC Lending

• United States
• Financial Services
• 1 - 100 Employee

• VP of Underwriting

  • Nov 2016 - Oct 2019



Greenlight Loans

• VP of Underwriting

  • Jul 2015 - Nov 2016



Homebridge Wholesale

• United States
• Financial Services
• 1 - 100 Employee

• Underwriting Manager

  • Sep 2013 - Jul 2015

• UW Manager

  • 2013 - 2015

• UW Manager

  • 2013 - 2015



Homebridge Financial Services, Inc.

• Financial Services
• 700 & Above Employee

• UW Manager

  • 2013 - 2015

• UW Manager

  • 2013 - 2015



Clear Vision Funding

• Santa Ana, Ca

• AVP of Underwriting

  • May 2012 - Sep 2013

  Overseeing all of Underwriting with an emphasis on training, product develpment, establishing efficiencies and increasing production while maintaining a high level of quality. Overseeing all of Underwriting with an emphasis on training, product develpment, establishing efficiencies and increasing production while maintaining a high level of quality.



Icon Residential Lenders

• United States
• Financial Services
• 1 - 100 Employee

• Underwriting Manager

  • Jun 2010 - May 2012

  Successfully restructured Underwriting department by setting priorities and better time management skills for underwriters. Improved underwriting turn times while volume has increased by almost 500 new loan submissions a month. Enhanced response time, which has led to record production months. Assisted in the development of Mortgage Cadence, ICON's new operating system. Successfully restructured Underwriting department by setting priorities and better time management skills for underwriters. Improved underwriting turn times while volume has increased by almost 500 new loan submissions a month. Enhanced response time, which has led to record production months. Assisted in the development of Mortgage Cadence, ICON's new operating system.



Prospect Mortgage Corporation (formerly Ameripath Mortgage Corporation)

• Regional Operations Manager

  • Dec 2008 - May 2010

  Successfully led the Merger of the Operations Division of Ameripath to Prospect Mortgage Responsible for managing a team in increasing monthly production from $30mm to $120mm a month in loan volume Maintain a direct relationship with the local HUD office Train Sales and Processing staff on all loan products and updates including Conventional & FHA products Manage and work directly with Underwriting and Processing Managers to improve turn-times and production while maintaining quality levels. Show less



Paramount Residential Mortgage Group

• DE Underwriter

  • Aug 2008 - Dec 2008

  Achieved top ranking within Underwriting by exceeding goals while maintain high quality levels Volunteered to assist other local offices to maintain expected turn-times New Underwriting decisions to Funding ratio exceeded 65% Achieved top ranking within Underwriting by exceeding goals while maintain high quality levels Volunteered to assist other local offices to maintain expected turn-times New Underwriting decisions to Funding ratio exceeded 65%



Indymac Bank

• Banking
• 700 & Above Employee

• Sr. Underwrting Manager

  • Jul 2005 - Jul 2008

  2005-2006 in Retail Lending Division: 2006-2008 in Wholesale Lending Division. Managed a team of Underwriters who underwrote over $500mm a month in new business while maintaining turn times of six days or less Prepared and gave training sessions with Sales on Personal and Business Tax Returns and other forms of income Developed the metrics for the Underwriter's compensation plan Became an approved Condo Project Manager with FNMA Assisted with new business development by visiting new and existing Loan Brokers to share underwriting processes and philosophy Provided all corrective management to the Underwriting team and coached them to become more efficient and issue a more accurate and clear decision A.V.P. of Operations, M & T Mortgage (formerly known as Regions Bank and Union Planters Mortgage Jan 2003- July 2006; Set procedures that increased underwriting turn-times from twenty days to less than five days, while increasing our underwriting to funding ratios Set all policies and procedures for office Increased funding volume from $30mm to $120mm Successfully led two operation mergers Ensured all staff from Loan Set Up to Funding where properly trained on all systems, products and processes as they became available Show less



Secured Funding Corp

• Sr. Underwriting Manager

  • Jul 2002 - Jan 2003

  Initiated their First TD Division of Underwriting for both Retail and Wholesale Ran the Operations department in VP's absence Managed both the First and Second TD Divisions of Underwriting as well as the QC Department Initiated their First TD Division of Underwriting for both Retail and Wholesale Ran the Operations department in VP's absence Managed both the First and Second TD Divisions of Underwriting as well as the QC Department



Genisys Financial Corp

• Underwriting Manager

  • Jan 2000 - Jan 2002

  Created Matrices for new products based on Investor guidelines Prepared weekly Rate Sheets for all company products Developed QC procedures to ensure quality of loans underwritten Created Matrices for new products based on Investor guidelines Prepared weekly Rate Sheets for all company products Developed QC procedures to ensure quality of loans underwritten



Crestline Funding Corp

• Sr. Underwriter/Funding Manager

  • Jan 1999 - Jan 2000

  Obtained FHA CHUMS number and Salespersons license Supervise processors to ensure timely and accurate fundings Managed companies warehouse line Obtained FHA CHUMS number and Salespersons license Supervise processors to ensure timely and accurate fundings Managed companies warehouse line



Countrywide Wholesale

• Jr. Underwriter/Sr. Funder

  • Jan 1997 - Jan 1999



Bank of America

• United States
• Banking
• 700 & Above Employee

• Funding Team Lead, Countrywide Correspondent

  • Jan 1992 - Jan 1997