Experience

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  Oklahoma Central Credit Union

  • United States
  • Banking
  • 100 - 200 Employee

  • Mortgage Loan Manager

    • Oct 2016 - Present

    Assists with underwriting as needed and reviews all loans for clear to close. Conducts First Time Home Buyer Workshops and training for staff as well. Diverse in all areas of new construction from interim to permanent financing. Work with auditors on state and federal audits along with monthly audits that are performed to complete reporting requirements as required by compliance and investor guidelines.Update and train staff on any compliance and regulation changes.Work with various banking software (XP), Microsoft office, and Excel. Holds weekly staff meetings, reviews pipeline report with processors and originators and prepares updated closing projection.Weekly and monthly reports for finance and upper management.Maintain HMDA LAR and compliance/regulatory requirements for quarterly reporting.Recruiting, hiring, staffing and yearly performance reviews for mortgage departmentHandle all construction loans including builder/member draws and construction to permanent transfer, 12 month point of contact.

  • Mortgage Underwriter

    • Oct 2016 - Jul 2018

    Primary underwriter for credit union 1st lien mortgages, HELOC, fixed home equity, construction to permanent loan. Review loans when application is originally taken and then again after processing completes the loan process.Maintains data and records for HMDA and compliance.

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  Newbold Advisors, LLC

  • United States
  • Business Consulting and Services
  • 100 - 200 Employee

  • Team Lead / Compliance-Audit (Contract Job)

    • Jan 2014 - Oct 2016

    •Complex review on mortgage loans that have escrow impediments and need litigation for compliance on files with federal indictments.•Review bank data systems to determine if all bank and state requirements have been met to maintain compliance regulations prior to referring to foreclosure. •Identified servicing deficiencies for legal compliance adherence prior to OCC, DOJ / CFPB audit•Specialized training in: Dodd Frank Act, FCRA, Fair Lending, U.S. Patriot Act, Money Laundering Risk and Mortgage Fraud.•Part of selected group chosen for off site special projects. Recognized as Subject Matter Expert.•Exceeded individual goals and maintained above average quality score.•Trained new hire Researchers and Team Leads soft skills using both self-developed and packaged material for a variety of projects.•Researched and corrected payment errors and escrow analysis with Proof of Claim verification •Reviewed SCRA eligible loans for appropriate application of retro benefit based on DOJ eligibility.•Audit and Quality Assurance review of 565 mortgage loans.

  • Foreclosure Referral Review (Contract Job)

    • Feb 2012 - Jan 2014

    • Underwrite and analyze loans, review notes of various data systems of the bank to determine if all bank and state requirements have been met to maintain compliance regulations prior to referring to foreclosure. • Research letters and legal documents in various data systems (AS400, HomeSaver, HomeBase, FRQ, Sharepoint, Iportal).• Part of a selected group chosen for various special projects within Bank of America.• Exceeded individual goals for loans reviewed and deferred maintaining above average quality score.• Trained new hire Researchers and Team Leads soft skills using both self-developed and packaged material for a variety of projects for the bank.

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  Carlisle & Gallagher Consulting Group

  • Executive Customer Relations Team Lead (contract job)

    • May 2010 - Jan 2012

    Trained, managed, motivated, and retained assigned employees. Performance evaluations on team. Implemented policies and procedures with employees.•Managed case team to meet objectives of projects that are complex in scope, risk, and / or organizational span. This included queue triage and management of high volume of work of time sensitive cases in advocate queues.•Maintained multi-functional team relationships. •Monitored case team production performance to maintain quality of services, deliverables and content; verifies compliance with the requirements. •Team met or exceeded goal each week for cases closed and quality score.•Performed quality review / underwriting of cases prior to final loan modification.•Proactively communicated and escalated issues, challenges and opportunities.•Assisted, provided knowledge to clients and explained agreed upon decisions and strategies.

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  Access Mortgage

  • Underwriter / Mortgage Specialist

    • May 2009 - May 2010

    • DU/LP automated underwriting for the Argyle branch office. •Reviewed loan files to ensure loans were in compliance with investor guidelines and evaluated the risk in underwriting on full document loans for FNMA and FHLMC.

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  Chase Bank

  • Underwriter / Mortgage Specialist

    • Feb 2008 - May 2009

    •Assisted underwriting for conventional full document loan products and determined credit decisions for loan approval. •Reviewed property appraisals in accordance with the bank or investor guidelines. •Originated all purchase loans, refinance and home equity loans for three bank branch offices in the Denton area for residential and commercial lending.•Maintained a pipeline for twelve personal bankers and their referrals.•Trained personal bankers on using database to increase production and implemented a referral program along with a more productive tracking system.•Used database of bank to help personal bankers cross sell and meet customer’s needs.•Prepared and conducted weekly meetings with each bank branch.

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  Maverick Residential Mortgage

  • Producing Branch Manager

    • Sep 2005 - Feb 2008

    •Evaluated credit documents and property appraisal on mortgage loans to determine credit approval. •Reviewed mortgage loan applications and files according to investor guidelines on full document loans for branch offices running DU/LP for a wide range of loan programs (FHA, VA, USDA, FNMA, FHLMC)•Reviewed monthly P&L reports. Easily accessible and hands-on in all aspects of the employee management and branch financial analysis. Strong communication and presentation skills with Performed as the top originator while managing three mortgage offices in Denton, Coppell, and Decatur for residential and commercial lending.•Mentored 8 new loan officers which 6 became top producers in Denton / Wise County. •Prepared all commission reports and business associates and customers.

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  Premier Nationwide Lending

  • Producing Branch Manager

    • Feb 2003 - Sep 2005

    •Underwriting FNMA and FHLMC loans at branch level. Ran automated underwriting systems DU/LP and reviewed receipt of conditions, stipulations or pre-funding requirement. Cleared conditions for funding.•Credit and property underwriting on full document loans.•Opened the branch office from the construction stage and staffed entire office. •Managed office with twelve employees, produced mortgage loans, planned and held monthly staff meetings along with training seminars for builders and realtors. •Prepared all payroll reports, including monthly commission reports for all employees, reviewed P&L’s, reviewed funding and projected closing reports and made changes in personnel as needed. .

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  University Mortgage (Amnet Mortgage)

  • Sr. Loan Officer

    • Sep 2001 - Feb 2003

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  Farmers & Merchants State Bank (F&M Mortgage)

  • Sr. Vice President of Mortgage Lending

    • May 1999 - Sep 2001

    • Officer on the Board of Directors.• Originated mortgage loans while serving as Senior Vice President.• Hired and managed employees for the mortgage department which included the underwriting and closing department.• Acquired relationships with investors to have access to new products and services. • Involved in many charity and community functions.