Experience

CV3 Financial Services

• United States
• Financial Services
• 1 - 100 Employee

• Quality Control Analyst III

  • Aug 2023 - Present



CIVIC Financial Services - Non QM

• Redondo Beach, California, United States

• Sr Underwriter / Sr QC Analyst

  • Sep 2019 - May 2023



Cloudvirga

• Irvine, CA

• Sr. Underwriter - SME - Fulfillment Specialist / QA Analyst

  • Sep 2016 - Jun 2019

  Sr. Underwriter - SME - Fulfillment Specialist: Conventional, FHA & VA - manual and AUS Underwriting QA Analyst: test system performance to ensure adherence to business requirements Fulfillment: Worked on the AFE project (Automatic Fulfillment Engine) to revolutionize the mortgage industry. Codified AUS messages - Conventional - FNMA/FHLMC and FHA/VA Sr. Underwriter - SME - Fulfillment Specialist: Conventional, FHA & VA - manual and AUS Underwriting QA Analyst: test system performance to ensure adherence to business requirements Fulfillment: Worked on the AFE project (Automatic Fulfillment Engine) to revolutionize the mortgage industry. Codified AUS messages - Conventional - FNMA/FHLMC and FHA/VA



NewLeaf Financial, a division of Skyline Financial

• Calabasas, CA

• Team Lead Consumer Evaluation

  • Dec 2014 - Sep 2016

  I have joined the business development team to assist in the fruition of company vision for streamlining the loan process from origination to close. I am responsible for developing and implementing new underwriting process including income calculations and collateral analysis. Wrote a comprehensive income calculation manual which included tax return analysis. The manual included underwriting flags and fraud validation. I have joined the business development team to assist in the fruition of company vision for streamlining the loan process from origination to close. I am responsible for developing and implementing new underwriting process including income calculations and collateral analysis. Wrote a comprehensive income calculation manual which included tax return analysis. The manual included underwriting flags and fraud validation.



Skyline Home Loans

• United States
• Financial Services
• 1 - 100 Employee

• Sr. QC Analyst

  • Aug 2014 - Nov 2014

  Reviewed loans to ensure investment quality per GSE requirements. Responded to repurchase requests from Fannie Mae, Freddie Mac, FHA and VA. Completed specific target audits including EPD and Neighborhood Watch. Participant in Due Diligence audits for various investors. Reviewed loans to ensure investment quality per GSE requirements. Responded to repurchase requests from Fannie Mae, Freddie Mac, FHA and VA. Completed specific target audits including EPD and Neighborhood Watch. Participant in Due Diligence audits for various investors.



Bank of America

• United States
• Banking
• 700 & Above Employee

• AVP, Underwriting Manager

  • Mar 2000 - Aug 2013

  I was a Fulfillment Team Underwriting Manager. I managed a group of conventional retail underwriters. I also underwrote overflow loans, reviewed escalations and interacted with senior leaders as well as junior staff.I was with the bank for 13-years, a legacy Countrywide associate. After 10+ years of working for Wholesale lenders in Secondary Marketing and Underwriting, I joined Countrywide in the Correspondent Lending Division as a Senior Underwriter in the Repurchase / Quality Assurance Department. I worked under the leadership of Mark Miller, Carol Leys and Kelly Darraugh. I was promoted to Assistant Vice-President in Quality Assurance under Kelly Darraugh. Once the bank exited Correspondent Lending, I transitioned to Default Servicing as a manager in the Foreclosure Lookback Project. After the completion of the project, I transitioned to the Retail Division. Show less

• AVP, Quality Assurance

  • Mar 2000 - Nov 2011

  Managed an audit team. Ensured underwriter findings were factual. Cured GSE deficiencies in effort to mitigate risk to company. Capacity planned.



Countrywide

• Sr Underwriter

  • 2000 - 2001



Provident Funding

• Sr. Underwriter

  • Nov 1996 - Nov 1999

  Senior Underwriter - Conventional and Sub-Prime both manual and AUS. Senior Underwriter - Conventional and Sub-Prime both manual and AUS.



Medallion Mortgage

• Calabasas

• Underwriter

  • 1993 - 1996

  I enjoyed underwriting Conventional loans and underwriting face to face with various brokers. I enjoyed underwriting Conventional loans and underwriting face to face with various brokers.



Empire of America

• Woodland Hills, CA

• Secondary Marketing

  • 1985 - 1991

  I was responsible for producing a daily rate sheet, quoting rates, locking rates, extending rates and advertising rates. I enjoyed a "no hit" record for my time with the company. I received an award for top performing employee of the Western Region, which consisted of Woodland Hills, Orange County, Walnut Creek and Arizona. I was responsible for producing a daily rate sheet, quoting rates, locking rates, extending rates and advertising rates. I enjoyed a "no hit" record for my time with the company. I received an award for top performing employee of the Western Region, which consisted of Woodland Hills, Orange County, Walnut Creek and Arizona.