Experience

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  Absolute Mortgage a division of Finance of America Mortgage LLC

  • Remote

  • Sr. Underwriter IV/Team Lead - Remote

    • Aug 2015 - May 2022
    • Remote

    Underwriting Absolute Mortgage's FHA, VA, Conventional, Bond, MCC & Non-Conforming residential mortgage loans and Team Lead for 8 underwriters as a Finance of America underwriter effective 11.14.15. (Formerly Pinnacle Capital Mortgage Corporation LLC purchased by Blackstone Company). This is an amazing group of people, most of whom I have worked with extensively at other lenders over the past 20 years, and I could not be more impressed with the quality of their operation, technology and knowledgeable staff. It's actually easy to be an underwriter here and I love it! **UPDATE, LAID OFF MAY 2022 DUE TO LACK OF VOLUME IN OUR NW REGION (JUMBO & VA WHICH I DO THE MOST OF), ELIGIBLE FOR RE-HIRE. **FINAL UPDATE: ANNOUNCED DECEMBER 2022, FAM SHUTTING DOWN ALL MORTGAGE OPERATIONS LAYING OFF 5,500 EMPLOYEES.

• 

  Bay Equity, LLC

  • Remote

  • Senior Government Underwriter - Remote

    • Mar 2014 - Aug 2015
    • Remote

    Underwriting FHA, VA & Conventional first mortgage loans including 203k, Manufactured Housing, Bond/DPA/MCC, Manual Underwrites. Resigned my position as I reconnected with one of the owners from Absolute Mortgage whom I had underwritten for and impressed in the business more than 20 years ago and we decided it was time to get back together. Also in my present job, I was transitioned to underwriting wholesale loans which was not the position I had applied for and accepted. My understanding was retail only and that did not work out. Bay was a great company but I received an amazing offer of retail only I could not refuse from a dear friend and resigned.

• 

  Guild Mortgage Company

  • Bellevue Ops

  • Senior Underwriter

    • Jun 2010 - Feb 2014
    • Bellevue Ops

    Underwriting FHA, VA & Conventional retail loans for Guild Mortgage's Regional Operations Branch in Bellevue, WA. My specialities include WSHFC Bond & MCC, EEM, Section 8, High Balance, Preferred Products, Jumbo/Non Conforming with BAML, RWT & Everbank, Leasehold/community land trust loans with community seconds which must be manually underwritten. Q & A Specialist, answering all NW Underwriting questions for our branches, assisting management in training and development of regional underwriting staff and branch personnel. Laid Off due to lack of company's volume.

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  Sydion Financial

  • Senior Risk Analyst

    • Dec 2008 - Mar 2010

    Underwrote Conventional & Government loans for both wholesale & retail, managed Loan Scenario and Exception helpdesk, assisted in implementing policy, procedures and revising underwriting guidelines based on ever changing overlays of correspodent investors B of A, Wells Fargo & GMAC. Trained staff on Hera, HVCC, Respa 2010 and VA Loan underwriting. Trained new hires on Sydion's PC Lender/IHM Loan system along with Sydion philosophy, policy & procedures, how to put a file to docs including completion of required checklists, final case queries, accurate data entry of all fees, impounds and lock terms. Helped conventional underwriters become DE Certified, responded to FHA Post Technical Reviews, implemented in-house Quality Control, Product Specialist. Recipient of the 2009 Employee Experience Award for going above and beyond, always willing to make myself available to help others both internally and externally with questions, concerns, products, and explaining decisions/layers of risk on the more complex files. Laid off as Sydion went out of business.

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  Flagstar Bank

  • Sr. Retail Underwriter

    • Oct 2007 - Oct 2008

    Underwrote FHA, VA, Conventional 1st & 2nds including Utah Bond Loans on site at the Puyallup Retail branch for all WA Retail branches as well as OR regional branch and Utah Retail branches. Also underwrote wholesale loans from MI nationwide queue when time permitted and was the local Retail Helpdesk. Laid off due to region's low volume.

• 

  First Magnus Financial

  • Underwriting Manager, Northwest Wholesale

    • Feb 2004 - Sep 2007

    Managed a staff of underwriters and processors and supported several branch managers. Underwrote Conventional, FHA & VA as well as Alt-A and second mortgages for the WA Regional Wholesale Branch. First Magnus closed its doors August 2007 laying off all employees nationwide after filing for bankruptcy.

• 

  Various Mortgage Banking Companies

  • Senior Underwriter/Underwriting Manager

    • 1989 - 2004

    Puget Sound Bank is where my career in underwriting started and I worked there for 5 years through the Key Bank merger and then resigned to take a senior underwriting position with Crossland Mortgage. Left Crossland after a year to pursue an opportunity with the old Puget Sound Banker group who where starting up Columbia Bank and Mortgage where I was the Underwriting Manager for 2 years, then teamed up with Federated Mortgage and Coldwell Banker Hawkins Poe in Puyallup as an In-House full service Columbia Bank Mortgage for 2 more years until the project was discontinued. Tried contract underwriting for Cmac on site in a broker's shop (Home Mortgage USA) underwriting specifically for investors Flagstar and Countrywide for 1 year, then went back to Columbia Bank as Underwriting Manager of Wholesale and Retail and resigned in 2000 when it was clear to me their committment to mortgage lending was fading as they eventually disbanded their entire in house mortgage division as now it is all done through out-sourcing at the bank branch level. Spent a year working for Accubanc/National City Wholesale and left for a better opportunity with Evergreen Moneysource Retail. Cowlitz Bank's Mortgage Division, Bay Mortgage, made me an offer I could not refuse and both myself and several Evegreen Moneysource originators left for what we thought were greener pastures with Bay Mortgage until Cowlitz decided to discontinue their mortgage division with the slowdown in the market by the end of 2003 the year in which we started. In early 2004, First Magnus approached me to start a wholesale branch in Washington, and as the underwriting manager, I hired 4 employees that I had met at Evergreen Moneysource as my underwriters and processors, then built an even larger team, endured 5 different branch managers and we flourished until First Magnus filed bankruptcy August, 2007. Since then, I have held various positions at other companies, and desire a company that holds the promise of longevity!