Worked in several different roles during my two-year tenure. Underwrote conventional, FHA, VA (non-delegated), USDA, Bond Program, and Non-QM (Jumbo) loan files. Earned two promotions. First, promote to Subject Matter Expert (SME) for a team of Los, Regional Operational and Branch Managers on the DAS Underwriting Help Desk and then becoming Help Desk Team Lead. ➣ Ranked as Top Producer in volume and customer service ratings for the Help Desk. ➣ Led guideline researching efforts, answered underwriting scenario questions and helped LOs and Regional Operations Managers structure deals prior to loan submission. ➣ Reviewed and completed complex self-employed income calculations prior to UW submission.➣ Assisted leadership with providing hands-on training and mentoring of new hires.

Served as an integral member of a 7-person underwriting team dedicated to underwriting conventional and FHA loans for Crestmark, a subsidiary of Cornerstone. Earned commendation as a consistent top producer. Earned my HUD DE during my 4-year tenure.➣ Underwrote conforming and FHA loans to the Agency, negotiated investor guidelines and company overlays to ensure the loan’s overall investment quality. ➣ Audited loans to ensure attainment of state and federal compliance regulations including but not limited to AML and BSA Acts.➣ Evaluated collateral for residential mortgage loans to ensure investor quality and compliance with company and government guidelines.➣ Managed negotiations, and additional comp requests for Reconsiderations of Value for all requests within the company.

Hired to pilot a new mortgage underwriting department. Took the lead with all loan originations, underwriting, processing, and closing procedures. Instrumental in closing 15-25 files monthly, consistently exceeding goals. ➣ Developed and worked with leadership to implement GFCU’s current appraisal review process.➣ Managed the processing, underwriting, closing, funding and servicing procedures.➣ Underwrote non-conforming (portfolio) mortgage loan applications to maximize profit and minimize loss.➣ Evaluated collateral reports for residential mortgage loans to ensure government compliance and all internal company guidelines were met.

Audited closed loans to ensure the inclusion of all compliance documents and attainment of compliance guidelines related to Reg Z, Reg X, ECOA, HMDA and FACTA. Audits included pre and post-Dodd-Frank Act files.➣ Spearheaded compliance testing that included APR, LE and CD tolerances and thoroughly reviewed all application and closing documents.

Underwrote conforming loans to the Agency and negotiated investor guidelines and company overlays to ensure investment quality. Reviewed loans to ensure adherence to all state and federal compliance guidelines. ➣ Exceeded monthly production goals for quantity and quality; awarded a 20% quarterly bonus.➣ A sudden and unexpected downturn in the business led to the layoff of all the remote staff.

Compiled, analyzed, and reviewed application data to determine the appropriate credit risk of the borrower.Mentored and trained lower-level team members and provided performance feedback to management.➣ Recognized by leadership for consistently meeting or exceeding monthly production goals for quantity and quality. Awarded the highest salary raise available during my annual performance review.➣ Analyzed complex financial and credit information for high net-worth clients with $1M+ appraised value or at least $500,000 in net bank deposits.

Hired to a 6-month contract to preform comprehensive forensic reviews of loans purchased by Fannie Mae that were flagged by the Central Repurchase Team. Ensured loans findings were accurate and complete. ➣ Performed forensic risk analysis and identified and addressed deficiencies during the QC review process.➣ Accurately recorded data and documented conclusions into Fannie Mae’s Quality Assurance System.➣ Interfaced directly with lenders regarding potential discrepancies within loans sold to Fannie Mae.

Served as senior management’s trusted liaison for leading negotiations of closed loans whose purchase was suspended or had received a repurchase request.➣ Accountable for underwriting conforming loans to the agency while negotiating investor guidelines and company overlays to ensure investment quality.➣ Reviewed loans to ensure strict adherence to all state and federal compliance regulations.

Tasked with performing comprehensive forensic underwriting reviews on non-performing or modified loans. Manually underwrote loans that contained ‘Caution/Refer’ AUS findings to determine the investment quality.➣ Accurately recorded data and documented conclusions into Freddie Mac’s Quantum system.➣ Composed repurchase letters to lenders outlining the issues triggering the repurchase request.➣ Created rebuttal letters to reaffirm or rescind the initial repurchase request based on the offered evidence and the lender’s response.