Experience

Highlands Residential Mortgage, Ltd.

• United States
• Financial Services
• 300 - 400 Employee

• Production Supervisor

  • Sep 2020 - Mar 2022

  Supported production team with system and policy needs. Trained new hires on Encompass

• Sr. Underwriter

  • May 2019 - Sep 2020

  FHA, VA, and Bond UW



Homebridge Financial Services, Inc.

• Financial Services
• 700 & Above Employee

• DE / VA LAPP/SAR Underwriter

  • Jan 2018 - Mar 2019



Capital One

• United States
• Financial Services
• 700 & Above Employee

• FHA Credit Admin - guidelines policies & pocedures

  • Feb 2015 - Jan 2018

  Maintain FHA and affordable housing guidelines, create procedures for process improvements and new products, train underwriters. Work with technology to design better efficiency for UW system. Created, trained and maintained Capital One’s DE sponsorship program. Subject matter expert for UWs and QA for FHA and FNMA guidelines along with process questions. Evaluate risk for product expansion and overlay removals. Reviewed Defect loans for rebuttal and remediation.



Evolve Bank & Trust

• United States
• Financial Services
• 400 - 500 Employee

• DE Underwriter / Team Lead

  • Sep 2012 - Jun 2014

  Frisco, Tx • UW VA credit; FHA; USDA and Conventional Loans through Manual UWing and AUS; LP , DU, DO and GUS • Compliance Review • Order MI • Lead Underwriter for Frisco Branch (corp office is based in TN) • Interview/Hire/Coach/Train/Maintain day to day office operations and facilities • Underwriting system used: Encompass



Bank of America

• Underwriter III

  • Jun 2009 - Sep 2012

  Plano, Tx • UW and condition review Non Conforming, Conventional Loans and VA IRRLS • Work with HSS’s and MLO’s to obtain loan approvals for our customers and do what is in my power to achieve an overall pleasant loan experience • Maintain a 24 – 48hr turn-a-round on conditions and ICD’s