Experience

Progress Bank

• United States
• Banking
• 1 - 100 Employee

• Vice President NW Florida Mortgage Loan Operations Manager

  • Sep 2019 - Present

  Destin/Fort Walton Beach, Florida Area Manage pipeline and operations team in NW FL to stay within SLA's for new loans and resubs, one on one communication with branches, income reviews and scenario help desk. Supporting sales staff as a priority. Underwriting portfolio lending, Conv, VA, FHA, USDA programs (SAR/DE).



First Florida Bank

• Vice President, Director of Mortgage Lending Operations, Underwriter

  • Jan 2016 - Sep 2019

  Destin/Fort Walton Beach, Florida Area Manage pipeline and operations team to stay within SLA's for new loans and resubs, one on one communication with branches, assist with income calculation and underwriting questions. Investor relations, monthly/quarterly/annual recertifications and audits with QC, VA, FHA and USDA. Writing and updating guidelines, policies and procedures. Underwriting Conv, VA, FHA, USDA programs.



Aspire Lending

• United States
• Financial Services
• 1 - 100 Employee

• Senior Mortgage Underwriter/Team Lead

  • May 2014 - Jan 2016

  At home worker/Remote Promoted to Team Lead 4/1/2015 - Manage pipeline and team of underwriters to stay within SLA's for new loans and resubs, one on one communication with branches, assist with income calculation and underwriting questions, monthly meetings with underwriters to go over production, training, writing new guidelines, underwriting new loans and working conditions, 2nd level review for files over 300,000 that meet certain criteria. Previous...Underwrite credit package and appraisals for all programs to… Show more Promoted to Team Lead 4/1/2015 - Manage pipeline and team of underwriters to stay within SLA's for new loans and resubs, one on one communication with branches, assist with income calculation and underwriting questions, monthly meetings with underwriters to go over production, training, writing new guidelines, underwriting new loans and working conditions, 2nd level review for files over 300,000 that meet certain criteria. Previous...Underwrite credit package and appraisals for all programs to include Conv, VA, FHA, USDA, Bond programs. Show less



PrimeLending, A PlainsCapital Company

• United States
• Financial Services
• 700 & Above Employee

• Senior Mortgage Underwriter/Jumbo-2nd Level Review

  • Sep 2012 - Apr 2014

  At home worker/Remote Underwrite credit package and appraisals for all programs to include VA, FHA,USDA, Bond and all Jumbo programs with an underwriting approval to 3,000,000. Second review, high balance and jumbo loans, mentor new underwriters. Daily quota of 3-4 new loans per day along with working conditions.



First Florida Bank (Formerly Destin First Bank)

• Mortgage Underwriting Officer

  • Sep 2009 - Sep 2012

  Destin/Fort Walton Beach, Florida Area Underwrite credit package and appraisals for conforming and non-conforming loans, Underwrite appraisals for in house loan files and construction loans, Underwrite and review FHA, VA and USDA loans prior to submission to the investor, Maintain contact with loan originators, processors & management to keep abreast of loan status, Set up Quality Control guidelines and procedures and update as needed.



Bank of America

• United States
• Banking
• 700 & Above Employee

• Mortgage Loan Originator

  • Nov 2008 - May 2009

  Destin/Fort Walton Beach, Florida Area Originate mortgage loans, review documents prior to submitting to Underwriting



Wells Fargo Private Mortgage Banking

• Branch Manager - Underwriter

  • Jun 2006 - Nov 2008

  Destin/Fort Walton Beach, Florida Area Supervise Branch Employees and operations, Originate mortgage loans, Underwrite all personal production loans, evaluate and sign off on Baners loans, Quality control and evaluation of random loans closed by Bankers, Quarterly and annual audit coordinator for several branches in region, Managed a team of 8.



Countrywide Home Loans

• Mortgage Loan Originator

  • Oct 2004 - Jun 2006

  Destin/Fort Walton Beach, Florida Area Originate mortgage loans, Review documents prior to submitting to underwriting



Destin Bank

• Underwriter/Supervisor

  • Aug 2000 - Oct 2004

  Destin/Fort Walton Beach, Florida Area Underwriting all residential mortgage loans for secondary market, conventional and jumbo loans, closing when needed, HMDA, withdraw/decline review, underwriting in house construction files. Managed a team of 15.



Great Southern Bank, Gold Key Mortgage, Firstar Bank

• Processing, Closing, Underwriting

  • Jan 1993 - Aug 2000

  Springfield, Missouri Area Processing, Closing, Underwriting