Experience

• 

  Dade County Federal Credit Union

  • Miami/Fort Lauderdale Area

  • Mortgage Manager

    • Jan 2019 - Present
    • Miami/Fort Lauderdale Area

• 

  Self-employed

  • West Palm Beach, Florida Area

  • Consultant to Start-up Mortgage Company

    • May 2018 - Nov 2018
    • West Palm Beach, Florida Area

    Wrote investor required Policy and Procedures, from Disaster Procedures through SAFE Act PoliciesCompleted information on Company's website, includes learning basic HTMLProgrammed Calyx including Utilities, Drop-down, Templates and Custom LettersAssisted in MERS membership and investor applications.

• 

  Flagship Financial Services, LLC

  • Miami/Fort Lauderdale Area

  • Vice President of Mortgage Operations

    • Jan 1990 - Dec 2017
    • Miami/Fort Lauderdale Area

    • Managed five offices with over 50 employees as company expanded, then oversaw layoffs and contraction of company after mortgage bubble burst• Managed Personnel: Hired, trained, and staff reduction, including: processors, closers and underwriters• Ensured the company remained compliant with industry requirements, including: o Enabled employees participation in regular trainingo Worked with staff to resolve problem files and post-closing issueso Monitored TRID compliance from origination through post-closing and account records maintenanceo Utilized and reviewed FraudGuard and PredProtect reportso Reviewed Quality Control reports and changed procedures based on findingso Prepared & submitted NMLS quarterly and annual call reporto Monitored loan officer's compliance with licensing requirementso Ensured compliance and timely submission of HMDA data. Reviewed government response and replied.o Reviewed documents and compliance data for 1098 forms; used 1099Pro for mailing and submission to IRSo Managed MERS users, ensured timely registration, monitored officer certification, and CRM compliance• Underwrote and managed underwriters- FNMA, FHLMC and FHA DE designated, with DO, LP and manual underwriting with over 10 years of underwriting experienceo Submitted and reviewed findings through FHA EAD and FNMA & FHLMC SSR reporto Uploaded and released FNMA and FHLMC UCD Findings to investor• Financial management, including:o Ordered payroll through Professional Payroll and ensured payroll taxes paid promptlyo Managed 401k account, payroll submission, and annual reports.o Balanced warehouse line, accounts payable, payroll, and escrow accounts timely.o Prepared financial reports, including profit & loss and balance sheeto Provided financial documentation to accountant for annual audito Analyzed and decision maker for equipment leases.• Programmed basic information for Encompass broker edition