· Research and resolve all exception requests for jumbo and conventional loans.· Maintain monthly exception budget containment for all portfolio loans within a 10% tolerance, and present monthly reporting to Sr. Director.· Develop risk parameters for qualifying portfolio loan exceptions.· Underwrite jumbo (up to $3MM signing authority) and conventional loans ensuring compliance with appropriate company and secondary market investor standards.· Train and supervise new employees, and provide coaching to current production associates, loan processors, and loan underwriters on loan scenarios and exceptions.

• Underwrite conventional loans ensuring compliance with appropriate company and secondary market investor standards.• Responsible for all loan underwriting activities while maintaining awareness of overall process and team results• Audit approved loans to ensure all product guidelines and compliance rules have been adhered to.• Obtained underwriting Signature Authority Service and Enforcement (SASE) level 3 for conventional loans.• Train and supervise new employees, and provide coaching to current production associates, loan processors, and loan underwriters on loan deficiencies and audit failures.• Review mortgage loan applications for approval, decline or waiver of specific loan conditions underwriting the complete application for conventional loans.

• Managed a portfolio of over sixty business merchant accounts, with individual average annual bankcard volume between $3MM and $10MM.• Analyzed transactional data including monthly and annual volume, transaction types, net revenue, and pricing comparisons.• Maintained portfolio data and expanded market through development of client relationships with key client decision makers and financial officers.• Re-negotiated client contracts and cross-sold company products and services through client specific presentations and meetings.• Created analytical reporting detailing quarterly results of managed relationships for executive review.

• Managed a portfolio of over sixty business merchant accounts, with individual average annual bankcard volume between $3MM and $10MM.• Analyzed transactional data including monthly and annual volume, transaction types, net revenue, and pricing comparisons.• Maintained portfolio data and expanded market through development of client relationships with key client decision makers and financial officers.• Re-negotiated client contracts and cross-sold company products and services through client specific presentations and meetings.• Created analytical reporting detailing quarterly results of managed relationships for executive review.

• Reviewed mortgage loan applications for approval, after considering the financial strength, credit worthiness and payment history of the applicant.• Sold loan programs to potential borrowers on best options available for refinance and debt consolidation based off of program guidelines.• Daily interaction with Underwriting and Funding departments to ensure pipeline movement.• Assisted in managing a sales staff of 5 -10 associates.• Responsible for lead management, daily reporting, and training of new sales associates.• Second voiced all potential loans not sold within 24 hours to help overcome any customer objections.

• Identified and counseled seriously delinquent mortgage holders on best resolution of debt, via inbound phone calls and written correspondence by way of analyzing income and monthly debts.• Researched and resolved escalated customer service issues from borrowers and third parties; complex non-routine and sensitive issues including problems with escrow accounts, payment misapplication, credit bureau disputes, payoffs, delinquencies, collections, and other inquiries.• Educated customer on the best credit practices to help reduce defaults and risk of foreclosure.