Experience

Optionwide Financial Corporation

• United States
• Financial Services
• 1 - 100 Employee

• Credit and Product Manager

  • Dec 2021 - Present

  Irvine, California, United States Oversees the loan scenario & exceptions desk and underwriting department. Reviews challenging loan scenarios and files with Exceptions Analyst and/or Underwriting Manager to determine best path forward to either restructure files or determine if exceptions are warranted. Evaluates and makes decisions on exception requests based on credit risks and compensating factors. Responsible for keeping current on investor loan program underwriting guidelines and maintain company lending guideline… Show more Oversees the loan scenario & exceptions desk and underwriting department. Reviews challenging loan scenarios and files with Exceptions Analyst and/or Underwriting Manager to determine best path forward to either restructure files or determine if exceptions are warranted. Evaluates and makes decisions on exception requests based on credit risks and compensating factors. Responsible for keeping current on investor loan program underwriting guidelines and maintain company lending guideline requirements accordingly. Assists in the development of more efficient processes and systems, improving products and/or implementing new products. Conducts training on new products and processes. Acting System Administrator for BytePro (Optionwide’s Loan Origination System) and provides technical support for system issues. Subject matter expert for Optionwide’s proprietary bank statement analyzer, Xtractifi. Interacts with stakeholders and provides superior customer service to achieve company objectives.

• Underwriting Manager

  • Feb 2021 - Nov 2021

  Costa Mesa, California Oversaw a team of Underwriters and managed daily operations of the underwriting process. Ensured that expectations and delivery timelines per SLA were met. Provided support, answered questions, and made credit decisions or recommendations on complex loan files. Provided training on department processes workflow, system (LendingQB) functions and investor guidelines to team members. Conducted quality control audits, examined data and ensured that team members follow proper procedures and company… Show more Oversaw a team of Underwriters and managed daily operations of the underwriting process. Ensured that expectations and delivery timelines per SLA were met. Provided support, answered questions, and made credit decisions or recommendations on complex loan files. Provided training on department processes workflow, system (LendingQB) functions and investor guidelines to team members. Conducted quality control audits, examined data and ensured that team members follow proper procedures and company guidelines. Responded to due diligence reviews to clear deficiencies for loan purchase. Collaborated with team members and upper management to establish guidelines and best practices. Collaborated with upper management in product development.

• Underwriter

  • Jan 2020 - Feb 2021

  Costa Mesa, California Responsible for reviewing, conditioning, analyzing and issuing decisions on mortgage loans in accordance with investor, regulatory, and company policies, procedures, and guidelines. Assessed the borrower’s creditworthiness and non-credit and property risk factors with analytics supported by file documentation. Specialized in non-QM and agency loans. Validated accurate input of data to the loan origination system (LOS), LendingQB. Submitted the loan package for investor approval and cleared… Show more Responsible for reviewing, conditioning, analyzing and issuing decisions on mortgage loans in accordance with investor, regulatory, and company policies, procedures, and guidelines. Assessed the borrower’s creditworthiness and non-credit and property risk factors with analytics supported by file documentation. Specialized in non-QM and agency loans. Validated accurate input of data to the loan origination system (LOS), LendingQB. Submitted the loan package for investor approval and cleared related conditions, if required. Reviewed loans for issuing a clear-to-close. Responsible for keeping current on investor loan program underwriting guideline requirements and maintains company lending guideline requirements accordingly. Assisted in the development of more efficient processes and systems, improving products and/or implementing new products. Interacted with internal and external stakeholders and provided superior customer service to achieve company objectives.



Springboard Home Loans

• United States
• Financial Services
• 1 - 100 Employee

• Program Administrator

  • Jul 2019 - Jan 2020

  Riverside, California Responsible for the administration and processing needs of assigned down payment assistance programs and served as a subject matter expert. Depending on the program under management, handled a wide range of responsibilities, including customer service, processing, eligibility, funding and reporting activities. Assisted in the analytics associated with the development of more efficient systems, reducing costs, improving programs and/or implementing new programs. Processed the assigned programs… Show more Responsible for the administration and processing needs of assigned down payment assistance programs and served as a subject matter expert. Depending on the program under management, handled a wide range of responsibilities, including customer service, processing, eligibility, funding and reporting activities. Assisted in the analytics associated with the development of more efficient systems, reducing costs, improving programs and/or implementing new programs. Processed the assigned programs in accordance with established guidelines. Reviewed new loan applications for eligibility against pre-established program criteria. Interacted with both active and prospective clients, real estate agents, loan officers and any other parties that may be involved in the program transaction. Performed servicing activities on loans under management; customer service, payment reviews, borrower outreach (as needed) and payoff and re-conveyance processing. Reviewed loans for purchase and prepared funding activities. Prepared spreadsheets and different statistical reports as needed for external agencies and business partners. Assisted in any business unit audits.

• Processor Lead/Processor II

  • Dec 2018 - Jul 2019

  Riverside, California Supervised a team of Quality Control Auditors who conducted post-close reviews on Down Payment Assistance (DPA) loans funded under a state Hardest Hit Funds (HHF) program. Provided reporting, which included a list of post-closing conditions, file decisions and statistical data, to the state Housing Finance Agency oversight team. Worked with state Housing Division to coordinate collection and sign off of post-closing conditions, communicated adverse decisions, and reviewed and responded to… Show more Supervised a team of Quality Control Auditors who conducted post-close reviews on Down Payment Assistance (DPA) loans funded under a state Hardest Hit Funds (HHF) program. Provided reporting, which included a list of post-closing conditions, file decisions and statistical data, to the state Housing Finance Agency oversight team. Worked with state Housing Division to coordinate collection and sign off of post-closing conditions, communicated adverse decisions, and reviewed and responded to appeals and rebuttals. Performed QC post-close reviews on DPA loans.



Springboard Solutions

• United States
• Business Consulting and Services
• 1 - 100 Employee

• Product Operations Manager

  • Mar 2016 - Nov 2018

  Riverside, California Managed centralized product teams of Processing and Eligibility Specialists focused on processing and decisioning homeowner files for KYHC benefit assistant ensuring that final decisions are made using the approved, appropriate and applicable program criteria guidelines, documents, approval matrices and standard operating policy and procedures. Optimized pipeline management activities, workload allocation and load balancing focused on achieving performance standards and measures and ensuring… Show more Managed centralized product teams of Processing and Eligibility Specialists focused on processing and decisioning homeowner files for KYHC benefit assistant ensuring that final decisions are made using the approved, appropriate and applicable program criteria guidelines, documents, approval matrices and standard operating policy and procedures. Optimized pipeline management activities, workload allocation and load balancing focused on achieving performance standards and measures and ensuring that associate resources are sufficient and aligned to achieve performance standards. Reviewed and decisioned complex files while ensuring adherence to guidelines & Policies and Procedures and responded to escalation files. Participated in program change initiatives around product development, processes, eligibility policy and strategy; recommended/implemented changes to improve processes and productivity. Identified staff training needs and planned training strategies and sessions. Conducted periodic coaching / training with team members to ensure that staff understands the need for accurate documentation, good file quality and production expectations. Provided response, analyses and reporting regarding department standards, quality assurance and control, production, etc.

• Eligibility Supervisor

  • Dec 2012 - Mar 2016

  Riverside, California Interviewed, hired, trained and managed a team of Eligibility Specialists. Supervised the day-to-day eligibility operations for specific products team. Assisted others with resolving complex problems while ensuring adherence to guidelines and Policies & Procedures. Participated with senior management regarding initiatives around product development, process improvement, eligibility policy and strategy; recommended/implemented changes to improve productivity. Conducted periodic coaching /… Show more Interviewed, hired, trained and managed a team of Eligibility Specialists. Supervised the day-to-day eligibility operations for specific products team. Assisted others with resolving complex problems while ensuring adherence to guidelines and Policies & Procedures. Participated with senior management regarding initiatives around product development, process improvement, eligibility policy and strategy; recommended/implemented changes to improve productivity. Conducted periodic coaching / training with team members to ensure understanding of accurate documentation, good file quality and production expectations.

• Eligibility Specialist

  • Apr 2012 - Dec 2012

  Riverside, California Validated accurate input of data to the CMAC system. Reviewed submitted files to analyze hardship situation and verify income and qualifying ratios. Analyzed files for program eligibility and ensure files meet program guidelines and counteroffer when a different program is appropriate. Communicated decision (approval, suspense, denial) to appropriate individuals. Assigned files and distributed NOS (Notice of Sale) / Escalation files to other Eligibility Specialists.

• Processing Specialist

  • Oct 2010 - Apr 2012

  Riverside, California Processed applications for Keep Your Home California. Contacted homeowners to collect all necessary documentation. Analyzed hardship situation and calculated income and qualifying ratios. Handled complex files and responded to escalated homeowner inquires. Determined appropriate KYHC program and reviewed files to be submitted for final eligibility determination. 2nd Sign Reviewer - Reviewed files that are ready to submit for final eligibility determination to ensure program guidelines… Show more Processed applications for Keep Your Home California. Contacted homeowners to collect all necessary documentation. Analyzed hardship situation and calculated income and qualifying ratios. Handled complex files and responded to escalated homeowner inquires. Determined appropriate KYHC program and reviewed files to be submitted for final eligibility determination. 2nd Sign Reviewer - Reviewed files that are ready to submit for final eligibility determination to ensure program guidelines compliance. Reviewed ineligible files to ensure accurate ineligible status and applicable ineligible codes are used.



Accredited Home Lenders

• Financial Services
• 200 - 300 Employee

• Operations Manager

  • Sep 2006 - Aug 2008

  Orange, California Oversaw a team of Loan Specialists, Sr. Loan Specialists and Team Underwriters in their daily activities and worked with Regional Sales Manager to meet team goals. Managed pipeline and projection reports and workflow distribution to ensure quality, efficiency & productivity. Provided products and system training for new hire associates and coaching for existing associates. Conducted employee performance reviews and made recommendations for improvement on quality, efficiency & productivity… Show more Oversaw a team of Loan Specialists, Sr. Loan Specialists and Team Underwriters in their daily activities and worked with Regional Sales Manager to meet team goals. Managed pipeline and projection reports and workflow distribution to ensure quality, efficiency & productivity. Provided products and system training for new hire associates and coaching for existing associates. Conducted employee performance reviews and made recommendations for improvement on quality, efficiency & productivity. Conducted detailed review of files requiring credit exceptions to determine if credit risk is warranted and decisioned status within designated signing authority.

• Senior Loan Specialist / Wholesale Underwriter

  • Apr 2003 - Sep 2006

  Orange, CA Worked in a team environment to accomplish goals as set forth by Operations Manager. Analyzed credit/income worthiness of borrowers based on risk factors and program guidelines. Worked with support departments to ensure service delivery per company policy and clients’ expectations. Conducted audit review of files not able to sell in secondary market to determine appropriate actions necessary to resell loan or made recommendation for file retention. Maintained business relationship with… Show more Worked in a team environment to accomplish goals as set forth by Operations Manager. Analyzed credit/income worthiness of borrowers based on risk factors and program guidelines. Worked with support departments to ensure service delivery per company policy and clients’ expectations. Conducted audit review of files not able to sell in secondary market to determine appropriate actions necessary to resell loan or made recommendation for file retention. Maintained business relationship with Mortgage Brokers.



Axiom Financial Services (Retail Division of Accredited Home Lenders)

• Loan Specialist I

  • Apr 2002 - Apr 2003

  Pasadena, CA Processed residential mortgage loans from loan origination to closing. Analyzed credit report, income documentation, appraisals and calculated DTI & LTV ratios. Reviewed files for adherence to underwriting standards and ensured accuracy and completeness. Contacted borrowers to collect necessary documentation and act as a liaison between origination staff and underwriters.