Responsible for Portfolio Quality Assurance, including FHA and Freddie Mac refinances, Home Equities, and purchases. Order updated insurance binders and complete Verification's of Employment. Prepare attorney/branch closing packages and set closing appointments. Utilize the Five Star Bank system to fund and release loans to customers and attorneys. Assist mortgage processors and loan officers with initial application reviews, underwriting submissions, and reviews of income, assets, credit, and appraisals. Responsible for creating and distributing commitment letter information for borrowers, attorneys, and realtors. Proficient in utilizing the Desktop Underwriter and Uniform Collateral Data Portal for underwriting and the Calyx operating system for inputs and uploads. Assist Closers with post funding issues and stacking orders for submission to investors and FHA. Long term assignments included Five Star Bank and Genesee Regional Bank.

Focused on unemployment forbearance homeowners, in both imminent default and loss mitigation situations. Responsible for coordinating information flow and communications over entire horizon. Extensive knowledge of all programs, including Modification, Forbearance, Foreclosure, Deed-in Lieu, Short Sale, Reinstatement and Repayment. Responsible for staying current with the ever-changing policy updates, regarding government and investor guidelines on various mortgage assistance programs. Accomplishments included, but not limited to:- Twenty Key Recognition Awards from supervisors, co-workers and customers. - Exceeded company expectations, earning the Top Performer Award in 2012, 2013 and 2014.

On a select team that assisted in the development of the new product process for imminent default homeowners in anticipation of the release of government and investor guidelines. Focused on government and investor underwriting guideline compliance. Responsible for the final approval of passing files on or sending back to underwriting. Worked as an underwriter on special projects.

Processed refinances and purchases, ordered titles and appraisals, coordinated documentation, scheduled closing - owning the application process from initial receipt through decision and servicing.