Experience

Exchange Bank

• United States
• Banking
• 300 - 400 Employee

• AVP/Residential Mortgage Operations Manager

  • Oct 2015 - Present

  Plan, direct, administer and manage day-to-day activities and functions of the Residential Mortgage Department. Analyze organizational workflows and production results. Initiate changes for efficiency, increased productivity, and error elimination. Implemented and Administrator of the Encompass LOS. Train, maintain, and enhance Encompass. Fulfill required reporting needs and ensure department activities are in compliance with current regulatory requirements. Act as a liaison between staff to ensure a productive working relationships. Recruit, select, train and provide leadership and performance feedback for direct reports. • Licensed under CalBRE #01906931 and NMLS #1022688 Show less



Sequoia Pacific Mortgage Company, Inc.

• United States
• Real Estate
• 1 - 100 Employee

• Operations Manager (Loan Processor & Loan Officer)

  • Aug 2008 - Oct 2015

  Maintains the daily workflow of the office. Process files for loan officers and credit packages. Run automated underwriting through DU and LP. Calculate income documentation and review credit history. Order and review title reports as well as appraisals. Prepare credit packages for submission to lenders. Organize loans for closing, manage the company pipeline. Up to date with guidelines and loan products. Process all loan products including FHA, VA, Conventional, and Reverse Mortgage. Run and maintain Broker Reports in Loan Processing System. Supervise and manage reception/loan processing positions. Train staff on loan procedure and industry updates. Originate Residential Real Estate Loans. • Licensed under CalBRE #01906931 and NMLS #1022688 Show less



PNC

• United States
• Financial Services
• 700 & Above Employee

• Underwriting Manager / Team Manager

  • 2006 - 2007

  Led operations team consisting of openers, underwriters, schedulers, closers, supervisors, and an internet sales division consisting of up to 20 employees. Implemented corporate restructure for optimized workflow. Provided operational support for loan volume to two sales teams, including underwriting staff. Performed loan audits, report management, daily monitoring of production and funding statistics. Oversaw and performed underwriting for home equity fixed-loans and lines of credit. Performed quarterly and annual performance evaluations of staff. Coordinated payroll and incentive, attendance, as well as personnel management. Provided team and individual pipeline management, reviewing and following up on loan pipeline, tracking new files and underwriting turn-time requirements. Served as liaison to corporate support for underwriting and post-closing exceptions. Facilitated all underwriting and processing training courses on guidelines, income, general operations, and decision certification. Show less

• Sr. Loan Underwriter

  • 2004 - 2006

  Review and decision all loans in the Equity Department. Reviewed loan package presented by Loan Processors, calculated income documentation, reviewed and addressed credit reports, as well as title work and appraisals. Responsible for loan exceptions. Facilitated training for processors on income calculation, appraisal review, and guidelines.

• Loan Processor / Team Lead

  • 2000 - 2004

  Reviewed loan package presented by sales staff, calculated income documentation, reviewed and addressed credit reports, as well as ordered title work and appraisal products. Prepared and submitted loan packages to underwriter for approval. Implemented approval conditions and cleared title work. Organized loans for Scheduling, closing, managing pipeline of more than 60 loans. Handled purchase and refinance transactions in Home Equity, Conventional and Government Mortgages. Maintained knowledge of guidelines for all loan products. Had a cohesive working relationship with several loan officers. Skilled in the use of the LP and DU automated underwriting systems. Show less