Experience

Fortace, LLC

• United States
• Financial Services
• 1 - 100 Employee

• Underwriter

  • Dec 2019 - Present

  Manhattan Beach, California, United States • Review and index post short sale and foreclosure documents. • Review post-closing documents to determine if there were any potential misrepresentation and/or breaches that occurred at the time of loan origination primarily related to the borrower’s employment, income, ability to repay, occupancy, appraisal and debts.



Painting with a Twist

• United States
• Entertainment Providers
• 400 - 500 Employee

• Franchise Owner

  • Apr 2016 - Dec 2019

  Chattanooga, Tennessee Area • Managed build out to Franchise specifications • Marketed for, interviewed and hired staff • Maintain social media sites to obtain customers • Handle inventory, payroll, and budget • Insure memorable customer experience to insure repeat business



Bank of America

• United States
• Banking
• 700 & Above Employee

• Wealth Management Loan Officer

  • Dec 2016 - May 2018

  Chattanooga, Tennessee, United States Originate first mortgages and home equity through the Financial Advisors at Merrill Lynch. Developed relationships with advisors in Chattanooga, Huntsville and Florence, AL to allow them confidence their high net worth clients will have a smooth and transparent loan process. Originate FHA, VA, and conventional mortgage that meet all servicer guidelines. Manage the sales process, disclosure of all regulations, explanation and retrieval of documentation with analysis before… Show more Originate first mortgages and home equity through the Financial Advisors at Merrill Lynch. Developed relationships with advisors in Chattanooga, Huntsville and Florence, AL to allow them confidence their high net worth clients will have a smooth and transparent loan process. Originate FHA, VA, and conventional mortgage that meet all servicer guidelines. Manage the sales process, disclosure of all regulations, explanation and retrieval of documentation with analysis before submission. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Quality Assurance Analyst

  • Feb 2011 - Apr 2016

  Tampa/St. Petersburg, Florida Area • Quality audit of loans approved by home equity underwriters in three different sites. • Assigned U.S. Trust auditing which consists of high dollar clients with highly complex income analysis. • Responsible for communicating audit decisions in clear and concise manner along with referencing appropriate policy/procedure associated with finding.

• Underwriter

  • May 2009 - May 2011

  Tampa/St. Petersburg, Florida Area • Underwrite Home Equity loans with loan amounts up to $400,000. • Maintained quality standards of at least 93% for all months since being hired except one.



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Division Manager, Loan Underwriting

  • Aug 1985 - Oct 2008

  Tampa/St. Petersburg, Florida Area • Directed and supervised five managers with subordinate staff consisting of Loan Underwriters, Loan processors, receptionists, and saleable mortgage trainers. Total staff of 42 employees. • Monitored and insured compliance of Wachovia HR policies including employee development, career development, disciplinary actions and performance appraisals. • Responsible for insuring individual and team production goals were met. Insured individual team members met turn-around time, weekly… Show more • Directed and supervised five managers with subordinate staff consisting of Loan Underwriters, Loan processors, receptionists, and saleable mortgage trainers. Total staff of 42 employees. • Monitored and insured compliance of Wachovia HR policies including employee development, career development, disciplinary actions and performance appraisals. • Responsible for insuring individual and team production goals were met. Insured individual team members met turn-around time, weekly production and quality requirements. • Responsible for residential loan decision quality averaging $70 million per month in a geographic range between Naples and Pensacola. • Insured service standards were clearly communicated to team and monitored managers and team to insure standards were met and exceeded. • Created, presented, and facilitated training courses needed to insure high quality, manager competence, efficient and effective time use for all staff and sales team. • Reviewed all residential loans with loan amounts exceeding one million dollars, complex personal/corporate/partnership tax returns, or deals with higher risk exceptions to underwriting policy. • Insured regulatory compliance requirements were followed by staff and regularly audited by managers. • Reviewed budgets for offices in my division, determined expense overages and worked with vendors and managers to resolve or alter expenses. Show less