Underwrite conventional, VA, USDA, and portfolio product loans for mortgage division. Assist compliance with HMDA reporting and accuracy and support processing staff with any workflow issues that may arise.

 Recognized as Top Producer for reviewing most number of loans profiles while achieving accuracy and quality of review rate. Prioritized deals, negotiated loan terms when necessary, and applied internal guidelines and insurer guidelines to the credit process for responsible approval. Verified compliance of ongoing loan acquisition, including review on down payment, appraisal and financial documentation received. Communicated credit issues with upper management; identified red flags and discrepancies during review and conducted fraud reviews.

 Processed credit and collateral documentation to ensure loan is compliant to all observed ethics and requirements. Collaborated with team to drive deals to successful funding and close; maintained meeting company production goals and objectives with foregoing applications. Communicated with clients needs, assess profile and reconciliation; assumed responsibility in approval on conventional and Harp mortgage loans. Secured company credibility and integrity in handling loans through extensive profile assessments, produced comprehensive and substantial calculated risk.

 Analyzed employment profile, credit strength, property characteristics and other pertinent information ensuring standards were attained. Reviewed loan files, compliance of documents to company and investor guidelines; possessed full authority on conforming loans, including high balance loans. Teamed with mortgage personnel and brokers in following product guidelines, approval conditions and changes, and loan documentations. Sustained growing company production goals and clearing stipulations in a timely manner; organized files for future perusal

 Ensured that standards of excellence in product and service delivery are maintained; reached over 100% production goal and 98% quality goal monthly. Assessed and reviewed credit and collateral documents, enhanced accuracy in loans compliant to FNMA and investor guidelines. Guaranteed quality issues were resolved on FNMA audit projects; audited post foreclosure and early default mortgages. Generated and provided professional reports regarding procedures to meet all compliance requirements.

 Founded the company from grassroots and showed goal-oriented leadership indicated by over 180 customers and more than 30 visits a day. Supervised day-to-day schedule of employees and staff, adequate follow-up and communications with customers. Administered accounting procedures including A/P and A/R, and monthly and yearly audit sheets and taxes, complying to set regulations. Developed brand awareness measures positively increasing patrons; implemented marketing and promotion strategies.

 Evaluated client needs and appropriated solutions to meet desired goals; recommended loan products, as well as conventional and government loans. Documented and processed pre-underwrote residential loans throughout the whole application process until account closing phase to eleven Account Executives. Prepared reports and presentations on loan programs and services; recommended strategies account closing and growth. Identified and developed leads through sales and marketing; assisted generation of new business opportunities while maintaining high levels of customer service.