Experience

Benchmark Mortgage (NMLS #2143)

• United States
• Financial Services
• 400 - 500 Employee

• Product Development Manager

  • Jun 2023 - Present



Northpointe Bank

• United States
• Financial Services
• 500 - 600 Employee

• Sr Product Development Manager

  • Apr 2022 - Feb 2023



Caliber

• United States
• Financial Services
• 700 & Above Employee

• Product Management Manager

  • Dec 2017 - Apr 2022

  · Work with designated individuals within the business to address all departmental items that may be affected, including but not limited to Legal, Pricing, Finance, Accounting, Treasury, Technology, Policy and Procedure, Compliance, Training, QA, QC, Post Funding, Servicing and Vendor Management. · Manage and complete recertification’s in a timely manner, as required by any business partner (quarterly or yearly). Work with various departments around the company to obtain any items specific to recertification, outside of Cap Market specific items. · Archive and track all executed documents that come into Capital Markets, generally Product Development and Contract specific items Lead new project rollouts and track approvals from all departments on project to do items Manage Investor Contact List · Analyze product and market trends including monitoring investor, GSE, HUD, and VA guideline updates. Provide support for questions related to loan products and guidelines Show less



Citibank

• Irving, Texas

• Risk Manager - Retail Lending

  • Feb 2015 - Dec 2017

  Responsible for the credit quality and underwriting culture in the Retail Business channel. Communication and the implementation of credit authority for vendor underwriting staff. Review and trend Quality Control findings; Vendor Quality Review ; UPR and/or MSA results. Assist and direct underwriters and Ops UW Managers on the most complex transactions and ensure business originated is in accordance with credit policy, investor guidelines and regulatory compliance. Build and maintain a partnership with sales and operations, providing communication and effective implementation of all credit policy updates, changes and guidelines. Provide underwriting support, guidance, mentoring and training to external underwriters. Partner with RAM training staff in the development and presentation of Underwriter Workshops; Job Aids and Best Practices. Coach, mentor and assist in the development of underwriters ensuring a consistent application of and interpretation of credit policy. Advise the Deputy Chief Underwriter of any issues and quality trends Show less



Citi

• United States
• Financial Services
• 700 & Above Employee

• Risk Manager, Correspondent Lending

  • Jan 2013 - Jan 2015

  Responsible for the credit quality and underwriting culture in the Correspondent Business channel. Communication and the implementation of credit policy practices throughout the Correspondent Fulfillment Centers' credit authority delegated staff including Underwriters and underwriting Reviewers. Review and trend Quality Control findings; Vendor Quality Review ; UPR and/or MSA results. Assist and direct underwriters and Ops UW Managers on the most complex transactions and ensure business originated is in accordance with credit policy, investor guidelines and regulatory compliance. Build and maintain a partnership with sales and operations, providing communication and effective implementation of all credit policy updates, changes and guidelines. Provide underwriting support, guidance, mentoring and training to internal and external underwriters; Post Purchase Reviewers; Vendor Reviewers and Corr Lender clients. Partner with RAM training staff in the development and presentation of Underwriter Workshops (internal/external); Job Aids and Best Practices. Coach, mentor and assist in the development of underwriters and reviewers, ensuring a consistent application of and interpretation of credit policy to all of the decision-makers within the channel. Advise the Deputy Chief Underwriter of any issues and quality trends Show less



Citi India

• India
• Financial Services
• 700 & Above Employee

• • Jan 2012 - Jan 2013

  Foster long lasting relationships with our correspondent lenders. Act as a liaison between sales and our lenders in regards to escalated issues. Evaluate exception requests to ensure soundness, accuracy and compliance with credit policy guidelines. When necessary, work directly with risk partners to assess policy exception requests in order to mitigate risk and ensure salability. Lead a team which includes a Team Lead, Underwriters, Underwriting Advocates and Senior Loan Specialists. Responsible for pipeline management, coaching, training and motivating our team. Analyze credit packages / income / assets / appraisal / closing documentation to ensure they meet investor / agency standards. Comfortable with meetings from planning and research to organizing and presenting. Some travel. Show less

• • Sep 2009 - Jan 2012

  First point of escalation for processing, underwriting and external customers. Monitor escalation reviews. Responsible for pipeline management, coaching, training, motivation of employees and daily updates - ensure team goals are met. Assess / evaluate loan transactions to ensure soundness, accuracy and compliance with credit policy guidelines.



Citi

• United States
• Financial Services
• 700 & Above Employee

• Senior Underwriter, Correspondent Lending

  • Dec 2005 - Aug 2009

  Identify risk issues and potential fraud. Evaluate debt ratios, loan to values, credit scores and property valuation. Determine and document loan conditions/stipulations - communicating decisions. Provide input on new/existing procedures/policies. Foster long lasting relationships with our correspondent lenders Identify risk issues and potential fraud. Evaluate debt ratios, loan to values, credit scores and property valuation. Determine and document loan conditions/stipulations - communicating decisions. Provide input on new/existing procedures/policies. Foster long lasting relationships with our correspondent lenders



United Guarantee Mortgage Insurance Company

• Underwriter

  • May 2003 - Sep 2003

  Underwrite conventional loans to the specifications of several lenders - MI as well as non-MI files Underwrite conventional loans to the specifications of several lenders - MI as well as non-MI files



Mary Ann Eason

• Independent contractor

  • Jan 1999 - May 2003

  manage all aspects of a home based business operation. Contract processing services for small area wholesale brokers on a per file basis. manage all aspects of a home based business operation. Contract processing services for small area wholesale brokers on a per file basis.



National Association of Mortgage Professionals

• Training Manager / Partner

  • Jan 1998 - Dec 1998

  Developed and published The Processors Manual. Extensive research to develop and maintain the most up to date information and materials. Extensive travel throughout the country conducting seminars in conventional mortgage loan processing for groups of 15 to 50+ people. Developed and published The Processors Manual. Extensive research to develop and maintain the most up to date information and materials. Extensive travel throughout the country conducting seminars in conventional mortgage loan processing for groups of 15 to 50+ people.



B&B Mortgage Services

• Training Manager

  • Mar 1997 - Dec 1997

  Developed the training department and created educational material through extensive research and previous related experience. Supervision of three training associates who assisted in research, development and presentations. Training seminars conducted in house and off site. Travel for training of private label software. Assisted parent company, Pierson and Patterson, with document preparation Developed the training department and created educational material through extensive research and previous related experience. Supervision of three training associates who assisted in research, development and presentations. Training seminars conducted in house and off site. Travel for training of private label software. Assisted parent company, Pierson and Patterson, with document preparation



Merit Mortgage

• Senior Loan Processor

  • Feb 1996 - Feb 1997

  Processed conventional and government loans for four loan officers. Assisted in the preparation of marketing material for distribution. Heavy government exposure. Processed conventional and government loans for four loan officers. Assisted in the preparation of marketing material for distribution. Heavy government exposure.



Madison Commerce, Inc

• Operations Manager

  • Mar 1995 - Aug 1995

  Supervision of office personnel; preparation of marketing material for weekly distribution; prepared pipeline reports to tract individual productivity; processing of conventional and government loans. Supervision of office personnel; preparation of marketing material for weekly distribution; prepared pipeline reports to tract individual productivity; processing of conventional and government loans.



B&B Mortgage Services

• Operations Manager

  • Sep 1992 - Mar 1995

  Supervision of fifteen to twenty junior and senior processors. Prepared pipeline reports to track week-end and month-end productivity. Created an educational program for new and existing brokers. Conducted training presentations in the following areas: Loan Set Up, Compliance Guidelines / Regulatory Issues, Self Employed Income Analysis, Fraud Detection and Appraisal Review. Supervision of fifteen to twenty junior and senior processors. Prepared pipeline reports to track week-end and month-end productivity. Created an educational program for new and existing brokers. Conducted training presentations in the following areas: Loan Set Up, Compliance Guidelines / Regulatory Issues, Self Employed Income Analysis, Fraud Detection and Appraisal Review.



Empire of America

• QC

  • 1992 - 1993



US Army

• United States
• Armed Forces
• 700 & Above Employee

• Military Police

  • Jun 1984 - Dec 1986