Senior Underwriter

• May 2017 - Present

Retail Government, FNMA,FHLMC, Jumbo Retail Government, FNMA,FHLMC, Jumbo

Sr. Underwriter - Remote

• Aug 2016 - May 2017

Wholesale Division - government, conventional, Jumbo Wholesale Division - government, conventional, Jumbo

Sr. Quality Control Auditor

• Dec 2014 - Aug 2016

Sr. Due Diligence Auditor / Underwriter

• Jun 2014 - Dec 2014

Top producing Senior Due Diligence Underwriter, paperless environment. Loans are submitted for purchase through the correspondence channel, I review individual loan packages and confirm that they meet all program guidelines, all documentation requirements, loan is in compliance with all current compliance requirements, review and balance Final HUD 1 to confirm loan was closed properly and that total fees charge meet current regulations and do not exceed established compliance guidelines. My authority extends to authorizing the purchase or decline of correspondent loan submissions. I have received excellent audit ratings from internal audit department on loans I authorized for purchase or declined when reviewed.

Consultant

• Sep 2013 - Apr 2014

Services was for start-up company out of Texas. I was subject matter expert for company departmental infrastructure, compliance, servicing set-up, process flow, wrote job descriptions and underwriting guidelines. Additionally, I sourced supportive documentation, information and clarification to Parent Company investors. Services was for start-up company out of Texas. I was subject matter expert for company departmental infrastructure, compliance, servicing set-up, process flow, wrote job descriptions and underwriting guidelines. Additionally, I sourced supportive documentation, information and clarification to Parent Company investors.

Senior Underwriter

• Feb 2013 - Aug 2013

High volume, difficult and complexed loan evaluation leader. Recognized for excellent interpersonal skills and customer service standards with brokers, loan officers, account managers and co-workers. Top performance producing underwriter. Received excellent audit reviews from company internal audit department upon loan file reviews. Accomplishments Paperless environment, exceeded expectations for production volume, response time turn around of assigned loan queue items. Quality control audits of underwritten loan files received excellent ratings. Skills Used Expertise in National Underwriting skills in all demographic areas across the USA, in depth knowledge of agency guidelines, investor guidelines.

Regional Service Manager

• Apr 2012 - Dec 2012

Direct center site responsibility of the National UCC Filing and National Mortgage Filing Service Centers including two support service units overseas. Tasked with creating the new mortgage business channels process flow set up, quality control policies and established workflow assignments within the new business channel. Established quality control compliance and protocols to meet Dodd -Frank and client audit standards while increasing servicing unit efficiencies. Direct center site responsibility of the National UCC Filing and National Mortgage Filing Service Centers including two support service units overseas. Tasked with creating the new mortgage business channels process flow set up, quality control policies and established workflow assignments within the new business channel. Established quality control compliance and protocols to meet Dodd -Frank and client audit standards while increasing servicing unit efficiencies.

Manager Residential Lending Division

• Oct 2010 - Apr 2012

Developed and implemented operational procedures, policies, guidelines and production flow processes. Manage secondary market loan sales, increased additional investor base and division net profitability by over 1 million dollars within first year. Project manager for new servicing platform with integrated software technologies including E-service, phone automation, branch and customer call center system support. Directly governed that all lending regulations and compliance standards met all state, federal and Visterra Credit Union’s audit standards. Managed all automated platform technologies to ensure systems function cohesively with one another. Identified program issues, coordinated or developed corrective methods and that correct testing measures were applied to meet desired outcome. Manage REO recovery strategies including loan modifications and defensive rewrites. Responsibilities included sales force, lending production volume, servicing platform, and Fannie Mae/Freddie Mac/HUD/FHA/VA relationship channels. Board Member Treasurer CUREN, Member Visterra Senior Loan Committee.

Loan Officer Mortgage Division

• Feb 2009 - Oct 2010

Reverse, FHA,VA, Conventional, Jumbo loans. Reverse, FHA,VA, Conventional, Jumbo loans.

Vice President Wholesale and Retail Underwriting

• Mar 2003 - Jan 2008

Responsible for risk exposure, credit quality, divisional reports for Western United States. Direct line reporting from Assistant Vice Presidents, underwriting and loan input departments. Dotted line reporting from all other center departments; processing, funding, quality assurance. Designed and taught training courses on credit quality, risk, fraud prevention, appraisal and BPO evaluations to support operational staff. Developed monthly training seminars for sales personnel including hard materials. Successfully designed file and process flows to optimize center production criteria, which lead to other national centers directed to follow operational model.

Director of Retail Operations for Eastern United States

• Oct 2000 - Mar 2003

Directly managed operations center for Eastern United States which supported 100 retail branches. Responsible for credit quality, risk evaluation, quality assurance, divisional compliance. Developed processes and procedures for production workflow. Lead manager/developer for “IRUS” Intergraded Risk Underwriting System project. Directly supervised input, processing, underwriting, funding and shipping. Taught training seminars file documentation, credit quality, risk, fraud prevention.

Operations Manager

• 2000 - 2001

Underwriting / Operations Manager

• Jan 1999 - Mar 2000

Senior Vice President Underwriting / Operations Manager

• 1996 - 1999

Underwriting Manager

• Jan 1994 - Jan 1996

Mortgage Operations Center Manager

• Jan 1976 - Jan 1994

Managed the Northern California mortgage operations center. Spread financial statements and wrote loan covenants. Facilitated commercial, credit card and auto lending departments. Developed middle market business and increase lending within the channel. Selected for Executive Management Training Program. Prior positions held as Commercial Loan Officer, Consumer Loan Officer, Collections Manager, Regional Branch Manager, Branch Manager. Managed the Northern California mortgage operations center. Spread financial statements and wrote loan covenants. Facilitated commercial, credit card and auto lending departments. Developed middle market business and increase lending within the channel. Selected for Executive Management Training Program. Prior positions held as Commercial Loan Officer, Consumer Loan Officer, Collections Manager, Regional Branch Manager, Branch Manager.