Conduct full comprehensive evaluations of a variety of complex high-risk mortgage loans, with lending authority of $1M with ability to approve higher amounts following current process and guidelines.• Evaluate debt-to-income ratios, loan-to-value, and credit reports to ensure loans meet investor guidelines with 0 Material findings over past 2 years.• Extensive Experience with complex income calculations including a strong understanding of personal and business tax returns which enabled me to complete higher risk loans including Self Employed, Corporate Returns and Real Estate Owned files.• Assist team and management with escalated and time sensitive items using autonomy and excellent time management skills.• Explain and coach employees on current and new policy changes and requirements for Agency Loans resulting in minimizing risk and reducing overall Findings for Agency Loans in 2022 by 3% Material and 5% Moderate.• Identify solutions for borrowers and loans in place of denials using strong capacity for problem solving and risk assessment skills.

* Manage and Operate a Wells Fargo Branch with a total staff of 14 employees.* Perform constructive observations with feedback on Bankers, Tellers and Service Manager.* Provide Coaching on sales and customer service skills to Bankers, Tellers and Service Manager.* Complete Daily, Weekly and Monthly control reports to ensure quality and efficiency of store operations.* Coach to Weekly, Monthly and Quarterly Performance Goals for each Team Member and for the Store overall.* Partner with multiple lines of business to provide customers with a one stop shop experience. This includes Business Merchant/Payroll Services, Business Lending, Investments, Insurance, Mortgage and other lines of lending.* Create a store environment that achieves high marks in customer service. Took store from underperforming at 52% to gold standard of 83% in span of 6 months of starting with the branch.* Lead as Mortgage Champion for the Tucson Mountain Ridge district to partner with our Mortgage Lending Department and to create awareness and coaching to other managers in the district regarding Mortgage Lending.* Utilize an array of reports and system generated leads to go outbound for sales and relationships, including personal and business sales.

* Perform weekly Income Review Audits as Lending Manager and CLU4* Successfully complete Letter Project to correct and resend out corrected HAMP Approval Letters to Borrowers.* Work with Tempe site leaders to review Second Level Review Underwriter’s with potential Rating Issues and help Identify trends and concerns with those SLR reviews.* Point of Contact for Tempe and St Louis Park sites for questions and issues concerning complex income and expense situations from SLR and Lending Managers.* Prepare and communicate training to SLR using power point presentations, Live Meetings and Intercall telephonic conferences; ie: Simplified Net Income, Expense reconciliation Job Aide, Fraud Procedures, etc.* Complete Quality Assurance Fail corrections on Denial and Approval Letters and send out daily reports to Upper Management.* Organize and hold a Weekly All Team call that includes entire FHA SLR group.* Complete Monthly Income reviews for internal SLR audit.* Provide insight and research of formal reports on issues that arise to ensure that company guidelines and policies are being met.* Travel to Columbia, SC site to perform Side by Side reviews and review overall operations of site. Provided process flows and advice to management on issues and possible opportunities. Held a weekly team meeting to cover items and trends that were discovered at the site.* Complete Peer Reviews for Internal SLR and provide feedback to Lending Managers and ratings of the review.* Assemble and Present Formal training for 43 SLR transfers and new hires. This includes bringing team members up to speed in current FHA environment, Practice Files, Test Cases and obtaining their Delegation of Authority.

* Lead a talented team of Underwriters that travel to Home Preservation Workshops around the United States to help Borrowers in Depressed Markets.* Coordinate Logistics, Staffing, Underwrites, and Scheduling between 4 Home Preservation Workshop Travel Teams located in different locations throughout the country.* Provide excellent customer service and deal with highly escalated situations with borrowers at HPW events.* Balance a production based Underwriter Team along with the rigors of leading and coordinating HPW events.* Spearhead the creation and use of a central Share Point website for all HPW teams to use to streamline and better coordinate our efforts.* Present feedback on Committee Review Calls on complex files that were to be moved from one department to another.* Coach an underperforming HPU to standards in the span of 3 months using and implementing a performance tracking plan to raise that HPU’s production numbers.* Transition our current team of underwriters into a new position and role from Bank and Private investor to FHA investor guidelines as Second Level Review.* Build relationships within the new department to facilitate and streamline our underwriter's ability to attain their Delegation of Authority to review files.* Successfully train and work with group of 45 HPU’s to obtain their FHA Delegation of Authority within specified time period set forth but upper management.* Operate a team of 22 FHA Underwriters with DOA until management was put in place to disburse into 3 total teams.* Manage FHA SLR team that deals specifically with Specialty files, including: Bankruptcy, OOP, CHA, NACA, Mediation, Appeals and Disaster Files.

* HAMP and Proprietary Unemployment Program Tempe Site Subject Matter Expert* Tempe Site Team Lead for a team of 12 HPU’s* Conduct review of complex loan files and make recommendations as part of our SLVAM (exception) process to mitigate risk for our department.* Top Producing Underwriter for Tempe Site for September, October and December 2012* Proactively communicate with other departments to help develop a smooth workflow between our home preservation specialists and second level review team peers* Ensure loan modifications meet compliance requirements with treasury, investor and company guidelines.* Member of Tempe Site Income Review committee that deals with complex income situations and current changes in income policy.* Attended multiple Home Preservation Workshop Events to meet with distressed borrowers face to face and process and underwrite files under strict time restraints* Created and started a new process flow for NSS Appeal team underwriters that increased efficiency and process flow for the new department.* Provide support and leadership for NSS Appeal team as point of contact and reference for process flow and income review

* Effectively manage a branch with a portfolio of $35 million holding up to 2,100 accounts ranging from Consumer, Real Estate and Retail loans.* Monitor and control daily branch activities which include business development, collections, insurance sales, underwriting, approving and extending loans.* Create relationships with local businesses and qualify those businesses for retail financing.* Perform extensive reviews on local businesses including review of balance sheets, commercial bank statements, cash flow statements and personal credit profiles of the business to qualify for retail financing.* Responsible for Underwriting Conventional Refinance, Purchase and Home Equity Loans with authority of up to $417,000.* Supervise and develop staff including preparing action plans, overseeing production standards, and the interviewing and selection of staff.* Control delinquency through the use of a variety of collection methods including calls, letters, and the use of legal action.* Led district in Branch Credit Insurance and Non Credit sales for 2010 and 2011* Decide a course of action through the use of Loss Mitigation including HAMP compliant modifications, secondary modifications, forbearance plans, Deed in Lieu, Short Sales and Foreclosures.