Experience

• 

  Caltech Employees Federal Credit Union

  • United States
  • Banking
  • 1 - 100 Employee

  • Vice President Real Estate Lending

    • 2020 - Present

  • Assistant Vice President Real Estate Lending

    • May 2016 - 2020

• 

  Fannie Mae

  • United States
  • Financial Services
  • 700 & Above Employee

  • Regional Repurchase Manager / Risk Repurchase Specialist

    • 2011 - 2015

    Managed the repurchase efforts of four regional customer account teams encompassing over 80 lenders of various sizes in 11 western and mid-western states. Worked with lenders to resolve repurchase requests. Provided recommendations to improve lenders' operations to increase operational efficiency.

  • Customer & Sales Support Manager

    • 2010 - 2011

    Resolved issues identified by credit risk management, loan quality, and loan acquisition teams. Conducted data analysis and submitted changes as necessary to ensure data integrity and loan-level data quality. Delivered draft and final presentations of Quarterly Business Reviews (QBRs) to Director and team.

  • Customer Account Risk Manager

    • 2009 - 2010

    Monitored, analyzed and shared performance-related data with the account team to develop risk management strategies for assigned territory and assigned lenders. Leveraged data to assess the overall risk of the lenders’ business. Collaborated with extended teams and regional counsel to ensure that all documentation and contract terms and conditions were met.

  • Senior Risk Manager

    • 2008 - 2009

    Worked with the core account as well as extended team members to fully understand the overall credit position of assigned lenders including underwriting, quality control, loan servicing, and counterparty risk issues. Reviewed and evaluated requests and new business opportunities from lenders, providing thorough analysis and business justification to support potential variance and / or waiver decision.

  • Senior Underwriting Consultant

    • Jun 2006 - Jan 2008

    Provided lender training on loan underwriting and eligibility, affordable housing, and quality control. Served as primary subject matter expert of the Fannie Mae “Selling Guide” to assigned lenders. Consulted with lender around its business goals and objectives and then collaborated with the core account team and contract teams in managing Master contracts, amendments and variances.

• 

  Wescom Credit Union

  • United States
  • Banking
  • 700 & Above Employee

  • Real Estate Operations / Production Manager

    • 2003 - 2006

    Managed and mentored a team of up to 35 employees that included department supervisors, underwriters, processors, and funders of both first mortgage and home equity products. Oversaw an operating expense budget of over $3M annually. Reported loan volume, performance levels, and expense costs on a monthly basis to meet strategic targets. Implemented the use of Fannie Mae’s Desktop Underwriter® (DU®) and Prime Alliance Loan Fulfillment software.

  • Assistant Production Manager / Senior Underwriter

    • 1998 - 2003

    Underwrote loans that satisfied organization, mortgage insurance provider, and investor lending guidelines. Acted as the primary underwriting contact from loan originators, wholesale brokers, branch staff, the mortgage insurance provider, and service vendors. Performed various management functions, including - but not limited to - payroll, employee counseling, interviewing and hiring, on-going training, and termination or separation. Maintained a strong working knowledge of mortgage industry trends.

• 

  Los Angeles Times Federal Credit Union

  • Los Angeles, CA

  • Senior Real Estate Loan Officer / Residential Underwriter

    • Jul 1997 - Jan 1998
    • Los Angeles, CA

• 

  Bank of America

  • Tempe, AZ

  • Senior Credit Officer / Real Estate Underwriter

    • Oct 1994 - Jul 1997
    • Tempe, AZ