Experience

• 

  Bay Federal Credit Union

  • Mortgage Operations Manager

    • Jul 2022 - Present

• 

  SAFE Credit Union

  • United States
  • Financial Services
  • 700 & Above Employee

  • Real Estate Risk and Systems Manager

    • May 2022 - Jun 2022

  • Real Estate Underwriting Manager

    • Dec 2017 - May 2022

• 

  Wells Fargo

  • Rancho Cordova

  • UNDERWRITER

    • Jun 2015 - Dec 2017
    • Rancho Cordova

• 

  Bank of America

  • OFFICER; UNDERWRITER/SENIOR UNDERWRITER – 1st MORTGAGE and HOME EQUITY

    • Mar 2013 - Jun 2015

    •Underwrote Residential Conventional loans to investor guidelines and manually Underwrote Residential Home Equity Mortgage loans to portfolio guidelines.• Reviewed and analyzed loan application, appraisal, title, credit, assets and income - including analysis and approval of multiple self-employment structures and tax returns (Schedule C & E, S Corp., C Corp. and Partnerships) to ensure adherence to published guidelines and risk framework.• Critical review of documentation for potential red flags and/or fraud.• Provide 2nd review, analysis, written support, rationale and recommendations for exceptions to written policy, as needed.• Quality error rate under 1%• Underwrote an average of 5-6 loan files a day, exceeding required metric of 2.2/day.• Ranked in top 5% of underwriters 3rd quarter 2013 for Western Division in production and quality metrics.• Achieved 2 Silver and 4 Bronze awards related to overall performance and ability to partner effectively with fellow associates for overall success of the team, unit and site.• Home Equity Employee Spotlight – February 2015

  • OFFICER; CASE MGMT AQM ANALYST - BUSINESS CONTROL TEAM MANAGER, SUPPLEMENTAL QUALITY TEAM

    • Apr 2012 - Mar 2013

    • Developed and assisted in process design of quality audit checklists for timely modification process• Collaborated and developed training material for 68 contract and 13 FTE quality analyst resources • Oversaw production, processes, training and development of contract resources within QA space for Centralized Execution (CET - Timely Modification Process) • Directly managed 8 QA associates responsible for 2 CMQA Supplemental Projects (HUD/FHA Servicing & CET)

  • HSS II/SASE LEVEL 1 UNDERWRITER – 1ST MORTGAGE DIVISION

    • Mar 2009 - Apr 2012

    • Processed and underwrote Residential Mortgage Loans within delegated authority, including Conventional Full Doc, MHA and FHA loan products • Level 1 Underwriting Authority• Ranked in the top 10% of my peers for number of units funded (Average of 20+/month) • Consistently met and exceeded goals and expectations for funding, quality and customer service • Top HSS for Richardson Site – January, 2012• Team Player for Richardson Site – December, 2010 • Top FHA HSS for Richardson Site- January, 2010 • Customer Delight Award for Richardson Site – November, 2009• Created and facilitated a local HSS Training Boot Camp for new hires - corporate level• Subject Matter Expert for 1st Mortgage Fulfillment New Hire Training for Home Service Specialist

  • AVP, FULFILLMENT TEAM LEAD – 1ST MORTGAGE DIVISION

    • Mar 2010 - Dec 2010

    • Managed and coached a team of HSS associates responsible for the processing of Residential Mortgage Loans• Connected associates’ personal goals with team goals in all facets of the process• Worked with Unit and Site leadership as needed to facilitate changes at the associate and branch level.• Level 1 Underwriting Authority

• 

  Greenstone Mortgage

  • Placerville, CA

  • Mortgage Broker/ Loan Officer

    • Mar 2004 - Mar 2009
    • Placerville, CA

    • Residential Mortgage Loan Originator, Broker. Interviewed clients, completed loan applications, researching appropriate loan products and rates to best fit the client’s needs as well as obtaining required documentation needed for processing of loan file. • Customer Service – Maintained and built relationships with clients through proactive and effective communication

• 

  Chicago Title

  • El Dorado Hills, CA

  • Sales Representative

    • Sep 1999 - Dec 2003
    • El Dorado Hills, CA

    • Made sales calls to real estate agents and mortgage companies, developed relationships with new clients as well as responded to existing client’s varying needs on a daily basis. • Created and implemented effective marketing plans to increase market share and revenue for designated territory • Interim Office Manager for a period of 6 months in 2002

• 

  Ford, Donegan and Associates

  • Fresno, CA

  • Subdivision Consultant

    • 1997 - 1999
    • Fresno, CA

    DRE Processing (Dept. of Real Estate)