Experience

Archwest Capital
• United States
• Financial Services
• 1 - 100 Employee
• Vice President of Underwriting (DSCR Portfolio)

  • Jul 2023 - Present


Conventus Holdings Corp.

• Underwriting Manager (DSCR Rental & Bridge)

  • Sep 2020 - Jul 2023

  Charged with managing and training 12 Underwriters while creating ongoing best practices and process enhancements. Making credit decisions and assessing risk on a broad spectrum of loan scenarios. Apply all internal underwriting guidelines, external investor requirements, while adhering to both federal and local regulations to ensure quality. Perform detailed analysis by reviewing valuations, title, guarantor background, entity formation and ownership documentation to determine risk and… Show more Charged with managing and training 12 Underwriters while creating ongoing best practices and process enhancements. Making credit decisions and assessing risk on a broad spectrum of loan scenarios. Apply all internal underwriting guidelines, external investor requirements, while adhering to both federal and local regulations to ensure quality. Perform detailed analysis by reviewing valuations, title, guarantor background, entity formation and ownership documentation to determine risk and guideline compliance. Provide various loan scenarios to create a positive experience for borrowers, brokers, capital partners and investors. Developed customized Underwriting Model for diverse loan products to increase productivity, enhance overall team efficiency and provide a seamless workflow. Success measured by 99.9% successful repayment of $200mm+ originated portfolio. Show less



5 Arch Funding Corp.

• United States
• Financial Services
• 1 - 100 Employee

• Senior Associate Underwriter (Business Purpose Lending)

  • Nov 2018 - Sep 2020

  Irvine, California Managed commercial underwriting, modeling and loan transactions secured by residential property, including single family and multifamily assets through sales comparison income approach analysis. Reviewed and analyzed complex loan scenarios to determine final approved loan terms and transaction feasibility based on borrower financial statements, credit, investment experience, risks and strengths. Reviewed and analyzed appraisal and third party reports to ensure accurate valuations and compliance… Show more Managed commercial underwriting, modeling and loan transactions secured by residential property, including single family and multifamily assets through sales comparison income approach analysis. Reviewed and analyzed complex loan scenarios to determine final approved loan terms and transaction feasibility based on borrower financial statements, credit, investment experience, risks and strengths. Reviewed and analyzed appraisal and third party reports to ensure accurate valuations and compliance standards are met. Strategized and worked closely with borrowers, internal departments and third party brokers on various scenarios based on internal guidelines. Managed portfolio of new loan submissions and made recommendations on approval or rejection of loan based on company guidelines and rating agency requirements for securitization. Successfully resolved post funding audit inquiries. Show less



Pacific Premier Bank

• United States
• Banking
• 700 & Above Employee

• Portfolio Manager | Credit Analyst | Business Analyst - Commercial Banking

  • Apr 2015 - Nov 2018

  Irvine, California Portfolio Manager charged with credit underwriting and modeling, processing, documentation preparation and funding. Managed an assigned portfolio of 250 various C&I and CRE loans by renewing and modifying credits, and annually reviewing financials and grading loans, tracking for delinquency, and covenant compliance. Analyzed and spread business and personal financial statements. Identify risks or trends and provide recommendations on appropriate course of action related to findings. Identified… Show more Portfolio Manager charged with credit underwriting and modeling, processing, documentation preparation and funding. Managed an assigned portfolio of 250 various C&I and CRE loans by renewing and modifying credits, and annually reviewing financials and grading loans, tracking for delinquency, and covenant compliance. Analyzed and spread business and personal financial statements. Identify risks or trends and provide recommendations on appropriate course of action related to findings. Identified potential opportunities for additional services as they arise. Business Analyst - CASH Financial Underwriting Software Administrator responsible for establishing, monitoring and continual analysis of Bank’s lending portfolio. Managed business information systems process utilizing data assessment while producing and interpreting various reports and analytical models to maintain quality control and ensure compliance of policies and procedures and SOX control compliance as required by regulators. Trained and implemented bank wide programs, including: Continuously Managed Credit report based on audit controls and various loan criteria, post funding Final Title Review, and Trailing Documentation Log transformed from an Excel spreadsheet into a multiuser database managed workflow. Created workflow process and combined four separate roles into one position: Processing, Underwriting, Documentation and Funding. Established annual auto-renewal process and procedure, including implementation and training of Credit Analysts and collaboration with internal departments. Processor prepared loan documentation based on approval terms and reviewed for accuracy. Filed blanket UCC’s on corporate assets. Researched Westlaw, UCC database and credit reports. Examined final title policies for correctness. Ordered property inspections and valuations on real estate collateral. Loan funding and final reconciliation of third party invoices to issue refunds. Show less



Doan Law Firm, LLP

• United States
• Law Practice
• 1 - 100 Employee

• Bankruptcy Paralegal Manager

  • Mar 2010 - Apr 2015

  San Clemente, CA Managed more than 130 new client case load throughout the high-quality petition processing through discharge with an unwavering focus on client services. Utilized Best Case Solutions software to prepare Chapter 7 and 13 bankruptcy petitions and various motions including motion to avoid lien, motions to modify plan, objections to proof of claims and conversions. Reviewed bankruptcy petitions with clients to ensure accuracy and understanding of all procedures, case timelines and post-filing… Show more Managed more than 130 new client case load throughout the high-quality petition processing through discharge with an unwavering focus on client services. Utilized Best Case Solutions software to prepare Chapter 7 and 13 bankruptcy petitions and various motions including motion to avoid lien, motions to modify plan, objections to proof of claims and conversions. Reviewed bankruptcy petitions with clients to ensure accuracy and understanding of all procedures, case timelines and post-filing events. Worked closely with Attorneys while supporting all pre and post-petition tasks, collaborating with creditor attorneys, court appointed clerks and trustees. Managed hearing calendar and monitored all electronic notices. Proficient with electronic filing all petition schedules, motions and pleadings. Assessed current practices and implemented manners to improve firm procedures. Delivered staff training to 15 Case Managers, Attorneys and staff. Show less



Feldman Law Center

• United States

• Paralegal | Processing Manager | Chief Negotiator

  • Jul 2008 - Nov 2009

  Mission Viejo, CA Responsible for overseeing more than 400 client properties while managing the client relationship from consultation, comprehensive financial analysis to mortgage modification resolution and home retention workout plan. Analyzed personal financial statements to determine modified loan terms and repayment plan. Introduced operational procedural improvement, process and procedures, roles and responsibilities including: submissions, processing,, underwriting and negotiations, resulting in 25%… Show more Responsible for overseeing more than 400 client properties while managing the client relationship from consultation, comprehensive financial analysis to mortgage modification resolution and home retention workout plan. Analyzed personal financial statements to determine modified loan terms and repayment plan. Introduced operational procedural improvement, process and procedures, roles and responsibilities including: submissions, processing,, underwriting and negotiations, resulting in 25% improved efficiency and organizational structure. Supervised and trained 15 department employees. Successfully marketed and sold financial services to a constantly expanding client base. Show less



Americor Lending Group

• United States
• Legal Services

• Loan Officer

  • Jan 2004 - Jan 2006

  Irvine, CA Recognized as 'Monthly Top 3 Producer' originating and selling mortgage refinance loans and purchase loans to a variety of nationwide consumers. Assessed and established potential needs and benefit, while reviewing various loan opportunities. Prequalified inquiries by completing verbal loan application, examining credit history and score, evaluating income and DTI analysis and collateral property comparable sale values and estimated LTV analysis to meet required rate sheet qualifications… Show more Recognized as 'Monthly Top 3 Producer' originating and selling mortgage refinance loans and purchase loans to a variety of nationwide consumers. Assessed and established potential needs and benefit, while reviewing various loan opportunities. Prequalified inquiries by completing verbal loan application, examining credit history and score, evaluating income and DTI analysis and collateral property comparable sale values and estimated LTV analysis to meet required rate sheet qualifications. Authorized initial loan request by recommending application approval and order appraisal. Maintained a seamless process from origination to funding, through continuous strategic collaboration, while gathering documentation and communicating the process details with the customer. Negotiated loan structure, fees, repayment options and final terms prior to closing. Show less



Solidium Financial

• Paralegal | Negotiator | Client Coordinator

  • Aug 2002 - Jan 2004

  Irvine, CA Debt Settlement Negotiator | Credit Counseling Client Coordinator | Legal Coordinator Debt Settlement Negotiator tasked with negotiating creditor settlements averaging 20-53% or less of total balance. Presented numerous financial programs to potential clients. Coordinated correspondence between Client Services, Creditor Services and the Legal Department. Credit Counseling Client Coordinator negotiated with creditors for repayment solutions. Discussed negotiated terms and managed… Show more Debt Settlement Negotiator | Credit Counseling Client Coordinator | Legal Coordinator Debt Settlement Negotiator tasked with negotiating creditor settlements averaging 20-53% or less of total balance. Presented numerous financial programs to potential clients. Coordinated correspondence between Client Services, Creditor Services and the Legal Department. Credit Counseling Client Coordinator negotiated with creditors for repayment solutions. Discussed negotiated terms and managed process while communicating with clients. Trained employees in excellent customer service, accounting transactions and organizational techniques. Legal Coordinator responsible for implementing paperless system within various departments. Processed legal documents and general data entry with 99% accuracy. Primary liaison between internal departments, Attorneys and clients. Show less



Kimball, Tirey & St. John

• United States
• Law Practice
• 100 - 200 Employee

• Paralegal

  • Oct 2000 - Aug 2002

  Irvine, CA Dedicated to assisting clients with understanding the unlawful detainer legal process, fees, and expected timelines, while ensuring all legal documents were prepared for filing with Superior Courts and Sheriff’s Departments. Coordinated Attorney and inter-departmental communication to ensure a seamless case management. Collaborated with court-aided appointees. Effectively transitioned office files from a paper to paperless system.



Mission Hospital

• Hospitals and Health Care
• 1 - 100 Employee

• ER Lead Admitting Counselor

  • Jul 1996 - Oct 2000

  Mission Viejo, CA Executive Administrative Assistant to CFO & Director of PFS responsible for accounts payable, accounts receivable, vendor reconciliation and verification due diligence, payroll processing, profit and loss and balance sheet financial statement reconciliation and month-end closing via QuickBooks. Various duties: meeting minutes, department memos, meeting coordination, Hospital PBX switchboard and mailroom services. Patient Financial Services Representative charged with medical insurance… Show more Executive Administrative Assistant to CFO & Director of PFS responsible for accounts payable, accounts receivable, vendor reconciliation and verification due diligence, payroll processing, profit and loss and balance sheet financial statement reconciliation and month-end closing via QuickBooks. Various duties: meeting minutes, department memos, meeting coordination, Hospital PBX switchboard and mailroom services. Patient Financial Services Representative charged with medical insurance billing and collections, insurance explanation of benefits audit, insurance re-billing and coding disputes, skip tracing, credit dispute resolution, refund analysis, loss mitigation ensuring repayment of claims, including bad debt processing and collection attorney communication. Liaison between secondary collection agencies. ER Admission Counselor managed patient registration, insurance verification and coding, discharge process and chart breakdown. Coordinated with Doctors, Nurses, Techs, internal departments and external providers, to ensure quality patient services. Trauma room liaison. Department work flow assessment, implemented efficiency improvement strategies. Trained in all capabilities. Show less