● Apply Chase Default Policies and Procedures or Chase Credit Policies to each loan● Adhere to all Chase Fair Lending Practices● Review all underwriting documentation to ensure the following compliance and Investor requirements● Analyze financial documents and information including, calculation of income and debt ratios, verification of assets, collateral, and credit review● Display excellent customer service● Utilize relevant technical and computer expertise● Efficient communication skills● Achieve work goals for productivity and turn time● Prioritize and manage workflows and deliverables based on business and project● Voice Network Team: Participates in VOICE Network activities, which include test-driving new products, sharing my authentic customer viewpoint on the value and effectiveness of new and existing Chase products, and, at times, sharing my employee perspective. Provide private, confidential, and sensitive survey information per the requests.● UAT Testing for five months: System testing for proper results (Cross Training)● FHA Underwriting (Cross Training)● Underwrite high-priority loans specialized in remediation of modification for MHA, in-house CHAMP, or BAU that was a risk to the company, high balance, imminent default, escalated loans, employee loans and customers with multiple properties or businesses.● Underwrite loans that are Bank Owned, Securitized, FNMA, FHLMCSystems: WP2, HSSN, BKFS, MSP, Data Verify, Word, Excel, Power Point, etc....

● Generate and Manage Daily reporting of Loan Officers files● Manage pipeline for nine Loan Officers everyday with follow up and follow through● Prioritize workflow to ensure items are completed in order of urgency● Ensure files move through processing and closing in a timely manner● Promptly respond to client’s questions and concerns● Follow up with clients at all times, keeping them informed of the loan process● Systematically store and maintain client data and files● Properly prepare files for submission to processing● Daily illustration of excellent customer service skills with clients and applicants to ensure client retention● Efficiently perform a variety of research duties in support of the branch● Stay acquainted with assigned Loan Officer’s daily schedule● ● Manage the collection of items from members, review for accuracy and upload to system● Validate Order outs completed- order Appraisals, Title, HOI, VOE, Credit Supplement● Enter loan application information into the Encompass loan origination system● Performs other duties as assigned● Having excellent communication skills to effectively communicate with clients and referral sources.● Maintain and follow up with all new and existing files in a timely and accurate manner

● Directly mentored & coached the staff with training to improve their knowledge & support their ongoing development & growth● Developed, tested, & implemented daily, weekly, & monthly objectives● Produce reports that enable data-driven decisions at the Executive Director level● Managed Metrics & KPI for production, volume, & quality of work performed● Trained, monitored, & addressed deficiencies as appropriate by providing feedback & retraining● Managed & led projects from conception to completion (Successor in Interest)● Provided data analysis to upper leadership that improved efficiency by 20%● Designed & automated a report for production to track & ensure 100% compliance with controls and audit requirements daily and analyze any trends● Designed reporting that adapts to business environment changes ● Participated in the hiring decision for new team members● Rolled out new & rejuvenated existing departmental procedures ● Educated departments on process changes & led the flow of process & procedure updates ● Directly Managed multiple projects that resulted in LOB VPs implementing process changes to ensure business continuity in their groups● Developed four preventative processes that strengthen the control framework of lines of business & cost saving for the company● Incorporated root cause analysis of risk, control, & compliance issues of operations & escalated risk exceptions appropriately● Managed capacity planning for the department based on the volume of work & staff levels● Performed testing on over four projects that resulted in meeting 100% of the Go Live launch date ● Cross-trained & developed strong partnerships with internal departments on projects to align & ensure successful results● Managed all team-assigned tasks & reports were being completed within the allotted SLA time frames● Managed, gathered, and prepared the Monthly Business Report (MBR) on PowerPoint for the Department● Designed & managed SharePoint requests

● Managed work queue for the team, resulting in record-low inventory aging of fewer than two days● Triaged complex processes & products on escalated cases while maintaining customer satisfaction● Provided staff guidance on questions that allow them to complete cases within service-level agreements● Underwrote high-priority loans specializing in remediation of modifications for MHA, in-house CHAMP, or BAU that were of risk to the company, high balance loans, Imminent Default, escalated loans, employee loans, & Customers with multiple properties or multiple businesses.● Underwrote loans that were Bank Owned, Securitized, FNMA, FHLMC, and USDA● Managed work queue for a team that resulted in record-low inventory aging of fewer than two days● Led & trained co-workers on new projects & assisted management with tasks● Led an Advisory group that identified over ten gaps in our procedures & processes & provided resolutions for these gaps, which resulted in a 25% increase in team efficiency● Managed, led and, Re-wrote 35 policies & procedures & trained team on changes● Worked closely with Change Management to implement updated & new procedures. ● Led system testing on numerous system updates with the team ● Managed & reported on audit finding research & responses to enhance audit readiness for 100% Quality● Cross-trained with other Lines of Business to ensure accuracy & quality of work was aligned● Managed a diverse inventory of cases & heavy workload with 100% Quality● Conducted loan-level research & performed root cause reviews for Internal/External loan issues● Managed reporting from Internal/External Audit groups & performed loan-level root cause analysis to determine if findings were correct & reported accordingly● Managed & led projects from conception to completion. Assisted on the Delayed Conversion & testing for our department & relayed back to management the updates & changes that impacted our department

• Reviewed, underwrote and decision cases based upon financial package the customer sent in and entered data in system to determine what the best Loss Mitigation option would be for the Customer and the Company (Modification, Short Sale, DIL, Repayment Plan or Cash for Keys)• Work closely with the Loan Officers and Processors to obtain and review conditions on files that have been approved by the underwriters.• Establish a priority list from the Loan Officers on loans closing for the day.• Pipeline management for three Loan Officers• Experience and knowledge in policies/procedures for all products and Investors and followed guidelines closely.• Ordered title, flood determinations, credit reports, appraisals• Obtained knowledge of all loan programs and locking rates on loans• Ensured followed RESPA guidelines• Validated that all data on the documents was correct and matched what was in the system

• Coordinated, prepared, and work closely with the Processors and Loan Officers to obtain and review conditions on files that have been approved by the underwriters.• Move files thru to funding once conditions were obtained and cleared.• Pipeline management for two branches• Experience and knowledge in policies/procedures for all products and Investors and followed guidelines closely.• Reviewed all incoming documents for accuracy and validated all documents prior to submitting to title.• Obtained knowledge of all loan programs • Reviewed title to validate no other liens and validate ownership • Validated appraiser on appraisers list to be able to proceed with file.• Locked rates for loans• Ordered title, flood determinations, credit reports, appraisals• Validated that all data on the documents was correct and matched what was in the system• Ensured followed RESPA guidelines

• Triage and Audit loan documentation to ensure consistency throughout the file.• Coordinated and prepared closing documents and send to 3rd party closing agent for signing.• Review signed closing documents for accuracy• Experience and knowledge in policies/procedures for all products and Investors and followed guidelines closely.• Worked closely with Broker and title companies to gather any funding documents needed• Funded loan and send funds to title for close of loan• Ordered title, flood determinations, credit reports, appraisals• Ensured followed RESPA guidelines• Experience in FHA, VA, Sub-Prime, Jumbo, 80/20’s and New Construction Loans• Reviewed all documents back from the signing to ensure all documents signed and no alterations were made

• Triage and Audit loan documentation to ensure consistency throughout the file.• Coordinated and prepared closing documents and send to 3rd party closing agent for signing.• Review signed closing documents for accuracy• Experience in policies/procedures for all products and Investors and followed guidelines closely.• Worked closely with Broker and title companies to gather any funding documents needed• Funded loan and sent funds to title for close of loan• Experience in FHA, VA, Sub-Prime, Jumbo, 80/20’s and New Construction Loans• Reviewed all documents back from the signing to ensure all documents signed and no alterations were made