Lead Business Execution Consultant – RCSA • Complete 1st and 2nd level RCSA analysis on a variety of projects. • Facilitate and participate in group meetings designed towards process improvement. • Perform quality reviews of legal and proprietary documents as part of Global Privacy and Consumer Lending projects • Participated in reviewing and assessing the Consumer Lending Risk and Control Self-Assessment (RCSA) environment through Quality Control (QC) activities • Maintain high production numbers while also providing quality reviews. • Strong analytical, critical thinking and problem -solving skills. Couple with an ability to translate ambiguous ideas/issues into well-defined plans/solutions with a track-record of delivering results • Escalate key errors identified during quality control process and ensure resolution of same in compliance with internal company requirements • Effectively manages and implements change • Performs oversight reviews of testing executed by various team members for accuracy and provide coaching

• Contributes to student learning, growth, and advancement.• Demonstrates familiarity with multiple subject area (s) and displays an inclination for developing competency across the curriculum (with respect to different age and grade level).• Maintains a positive mindset toward student learning, teaching practice, and personal/collective professional development.• Familiarity with computers (PC, Canvas, etc.) and their use in instruction to enhance student learning.• Facilitates problem-solving.• Organized tasks and manage to meet many and varied deadlines, manages both small and large groups of students in a classroom environment.• Worked with students with behaviour issues.• Serves as a role-model to students.• Work efficiently with students at the specified age level with diverse backgrounds and levels of ability toward accomplishing their educational goals.• Learned and conveyed a variety of subject matters quickly, while adhering to school and protocols.

• Worked with Encompass database and imaging systems with paperless loans.• Verified integrity of applicant’s information to minimize fraud.• SME (Subject Matter Expert) – SFO & HFI loans – 2nd level reviews of loans to ensure loans were underwritten and decision correctly according to guidelines.• Knowledge of policy violations, risk management and compliance• Understanding and experience conducting Risk Control Self Assessments (RCSA) of large business functions.• Strong understanding of policies, procedures, and programs to ensure appropriate and effective risk mitigation controls are in place.• Review and ensure data integrity to confirm the accuracy of the automated underwriting system’s (AUS) findings.• Analyzed and verified the employment profile, credit strength, property, property characteristics and information pertinent to the credit decision process.• Communicates required conditions and stipulations effectively.• Assisted QC project with mass clean-up of QC errors to ensure sale ability.• Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment.

• Responsible for the timely and accurate evaluation and approval or denial of mortgage loan applications according to investor guidelines.• Responsible for assessing the risk of a mortgage loan and making an approval, counteroffer or declination based on loan attributes.• Review and ensure data integrity to confirm the accuracy of the automated underwriting system’s (AUS) findings.• Applies internal, investor and federal regulations to the decision process to ensure mortgage loan quality.• Knowledge of policy violations, risk management and compliance• Analyzes and verifies the employment profile, credit strength, property, property characteristics and information pertinent to the credit decision process.• Communicates required conditions and stipulations effectively.• Exposure and knowledge to fraud, policy violations, risk management and compliance• Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment.• Participates in training and mentoring of underwriters.• Demonstrates the ability to comprehend program changes and new program guidelines.• Adheres to all internal and external NPI procedures and policies.

• Made initial decisions on refinancing of home mortgage loan submittals, insuring both the company and secondary market investor standards are met (quota a least 8 touches per day).• Cleared (PTD) prior to doc conditions, (PTF) prior to funding conditions and Appraisal conditions that were placed in queue within a 24-hour time limit.• Examine loan documentation for accuracy, completeness, and adherence to AUS findings.• Reviewed credit applications, credit reports, income documents, asset statements, collateral valuation, applicable ratios, and other supporting documentation to ensure all loans documentation is accurate, complete and within compliance.• Partnered with Loan Processors to secure all required documents needed to complete underwrite.• Utilized all required checklists and tools and uploaded into the Encompass System.• Worked with Encompass database and imaging systems with paperless loans.• Verified integrity of applicant’s information to minimize fraud.• Knowledge of policy violations, risk management and compliance• Review and ensure data integrity to confirm the accuracy of the automated underwriting system’s (AUS) findings.• Analyzes and verifies the employment profile, credit strength, property, property characteristics and information pertinent to the credit decision process.• Communicates required conditions and stipulations effectively.• Assisted QC project with mass cleanup of QC errors to ensure salability.• Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment.• Created and maintained a spreadsheet as a daily log of all work performed.

• Review claim to determine what Client is alleging.• Conducted a full loan file review by notating anything that relates to the claimant’s allegations (Income, Insufficient Coverage, LTV/CLTV, etc) or documents that would explain any apparent guideline variances. • Provide detailed documentation of the due diligence performed.• Exposure and knowledge to fraud, policy violations, risk management, or compliance• Link documents reviewed for final QC review.• Analyze the substance of the claims: Thoroughly and objectively reviewed the substance of all claims presented by the plaintiffs based on the information and documents in the loan file. Considered applicable guidelines and other information in the loan file based upon my experience and judgment as I saw relevant.• Document Analysis: Documented work into the database• Worked with Encompass database and imaging systems with paperless loans.• Verified integrity of applicant’s information to minimize fraud.• Knowledge of policy violations, risk management and compliance• Review and ensure data integrity to confirm the accuracy of the automated underwriting system’s (AUS) findings.• Analyzes and verifies the employment profile, credit strength, property, property characteristics and information pertinent to the credit decision process.• Communicates required conditions and stipulations effectively.• Assisted QC project with mass cleanup of QC errors to ensure salability.• Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment.• Proofread and complete work: Ensured that I had reviewed each claim prior to changing the loan status to “completed”.

• Responsible for reviewing, analyzing, approving, and underwriting individual consumer requests and products within company and industry guidelines. $1M signing authority. • Reviewed credit applications, credit reports, income documents, asset statements, collateral valuation, applicable ratios, and other supporting documentation to ensure all loans documentation is accurate, complete and within compliance.• Contacted customers and partners to gather information to make appropriate decisions.• Worked with Encompass database and imaging systems with paperless loans.• Verified integrity of applicant’s information to minimize fraud.• Knowledge of policy violations, risk management and compliance• Review and ensure data integrity to confirm the accuracy of the automated underwriting system’s (AUS) findings.• Analyzes and verifies the employment profile, credit strength, property, property characteristics and information pertinent to the credit decision process.• Communicates required conditions and stipulations effectively.• Assisted QC project with mass cleanup of QC errors to ensure salability.• Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment.• Implemented fraud detection techniques and performed compliance reviews.• Utilized all required checklists and tools, while staying abreast of any/all credit policy changes and worked with production to resolve questions when possible.

Sr. Conventional Underwriter/Correspondent Lending 12/19/09-12/2011 •Underwriting of conventional wholesale loans requests, ensuring compliance with appropriate company and secondary market investor standards are met.•Examined loan documentation for accuracy, completeness and adherence to AUS findings.•Identify transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified.•Maintain a sound knowledge of Fannie Mae guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans. $1M signing authority.SR Underwriter - UW Quality Returns Wholesale Department 12/2011-07/2013 •Underwriting of residential loans ensuring compliance with appropriate company and secondary market investor standards. •SME (Subject Matter Expert) – SFO & HFI loans – 2nd level reviews of loans to ensure loans were underwritten and decision correctly according to guidelines.•Examined loan documentation for accuracy and completeness while working with loan originator or production staff to secure all required documents. •Assessed individual's creditworthiness while adhering to all regulatory and compliance requirements •Partnered with loan originator or production staff to secure all required documents. •Working with other senior mortgage underwriters on loan exceptions having the authority to withdraw and decline loans. •Worked in several types of mortgage lending (conventional, government-backed, etc.)•Responded directly to individual and investor audits. •Ensuring compliance with appropriate company and secondary market investor standards.

•Performed Due Diligence review of a multi-million dollar mortgage loan portfolio •Examine borrower’s past and current credit performance in order to assess risk potential •Calculated debt ratio, loan to value, and income documentation •Scrutinized loan applications, credit worthiness, property evaluation and complete loanDocumentation to verify compliance within approved guidelines•Extensive review of Title Commitment, Title Policy, Appraisal Reviews, Appraisal’s, and BPO’s•Excellent written and verbal communication internally and externally•Effectively communicated misrepresentation and fraud analysis to high profile legal team•Review existing residential and commercial real estate loan portfolios to capture the data required to determine the salient characteristics of the loans including the collateral, related lien priority, assessment of loan documents and collateral valuations.

•Underwrite loans to DU/LP/Investor specific guidelines•Explains conditions to Brokers to ensure all conditions are met according to FNMA, FHMLC or lender specific guidelines•Reviews documentation submitted by Brokers and determines if loan conditions has been satisfied including but not limited to appraisals, income and asset documentation, credit reports, loan payoffs and title commitments•Train new MGIC Contract Underwriters on current Customers computer system, policies and procedures•Discusses loan scenarios with Brokers to ensure loans are submitted to maximize the benefit to the Borrower, Broker and Customer•Enters all loan underwritten into MGIC database to ensure proper billing to Customer

• Underwrite Loans using manual underwriting per investor guidelines as well as Automated Underwriting – DU/LP/Clout.• Analyze credit, capacity and collateral; Clear conditions and prepares loans for closing.• Heavy phone customer service with Account Executives, Brokers and Account Managers.• Trained Junior Associates.• $750K loan approval authority.• Act as Underwriter Team Lead when needed.

• Underwrote 6 Sub-Prime loans per day based on BNC Mortgage guidelines/loan plans as well as entering decisions onto the empower software/ clear all loans with conditions/ Signing Authority up $750,000.00.• Informed brokers via phone calls & faxes regarding status of their loans (approved/decline).• Analyzed appraisals, collateral documents and debt / income ratios.• Coordinated loan officers, prep loans for closing and funding specialists.• Completed due diligence on all incoming loans.• Created and maintained a spreadsheet as a daily log of all work performed

Underwriter, BOA Wholesale Department 01/02-06-04 Underwrote 6 Conventional, Automated Delegated Underwriting (DU) and Loan Prospector (LP) loans per day based on guidelines, entered decision in database and cleared all loan with conditions. Informed Brokers via Phone call and Faxes, regarding the status of the loans (approved or declined). Communicated the status of loans to the Account Executive and the Brokers on a daily basis. Set up and managed the HMDA files. Created and maintained a spreadsheet as a daily log of all loans that were underwritten, conditions cleared, declined and HMDA.Data Integrity Team Lead, Correspondent Lending Dept 05/1999-12/01Trained staff as procedural changes occurred and created and maintained a smooth workflow process for 6 Data Integrity Auditors. Managed a shifting production volume with an unchanging FTE count, ensured accurate reporting of team production errors to the 10 team leaders and the 50 production auditors. Assisted the correspondent Lending Training Department in developing training material. Provided one-on-one training to the production auditors (coaching/training)/ Administered GPSI training. Created and distributed both a weekly and a monthly error report for the entire department. Developed both a Data Integrity Proposal and Training manual for the Correspondent Lending Department. Assisted in the development of the overall Correspondent Lending Training Manual. Trained Data Integrity Auditors, Team Leads and the Correspondent Lending Team auditors on how to set up escrows, (i.e., taxes and insurance). Auditor SME, Correspondent Lending 10/1995-04/1999 Audited 8 loan files per day to insure they meet Bank of America’s Loan delivery requirements. Reviewed the documents listed on a checklist, input accuracy data in the 88-88 flow, decision, and fund and release loans to servicing with minimum errors. Managed incorrect note, new loan set up and funding report on daily / managed suspended files.