Licensed in PA, VA, MD, and DCSpecializing in Non-QM loans with over 5,000 loan programs. Use of CRM/POS/LOS and exclusive leads to build a team and happy customers.•Approve loans for various client bases within specified limits.•Analyze applicants’ financial status, credit, and property evaluations to determine the feasibility of loans.•Review loan agreements to ensure they are in compliance with regulatory requirements.

Licensed in PA, VA, MD, and DC•Approve loans for various client bases within specified limits.•Analyze applicants’ financial status, credit, and property evaluations to determine the feasibility of loans.•Review loan agreements to ensure they are in compliance with regulatory requirements.

Missionary work at Red ADvenir TV which included video editing and helping with general duties and maintaining their 50 hectares of land - then starting a restaurant (Cafe Mo’ed Vegana) in Cochabamba, Bolivia including marketing and menu design, and restaurant duties (taking orders, cooking, dishes, caring for customers, managing and training others).

•Managed the Secondary Marketing and Lock Desk, and led the Pricing Committee to drive pricing strategy and decision-making process.•Worked with their internal finance group to analyze our Asset-Liability position and establish a pricing strategy that minimizes NEV risk while maintaining competitively priced products within the marketplace - this included improving their overall secondary margin by streamlining workflow by fully utilizing their existing technology platforms.•Fully automated recurring reporting needs utilizing SQL SMSS, Report Builder, Finastra's Reporting Services, and Salesforce Reporting and researching and utilizing appropriate API's.·•Acted as the Real Estate technology administrator and Subject Matter Expert (SME) for all systems such as the Loan Operating System, Point of Sale, and Secondary Marketing Product and Pricing engine.•Conducted UAT testing for system updates, prepared and presented their Quarterly Budget Reporting, updated their Products and Procedures (Business Requirements Documents), and performed Risk Analysis for upper management.•Was their Finastra Mortgagebot LOS and POS Admin, along with their Optimal Blue Admin, setting up mortgage products and configuration for product search criteria, fee schedules, pricing, rate sheets, and product eligibility.•Provided Ad-Hoc analysis which includes Business Unit P&L, Credit Risk Analysis, Pipeline and pull-through analysis, Discounted Cash Flow, and Business Unit industry comparisons.

•Ensured daily and periodic at-issuance and ongoing disclosure activities were performed timely, accurately, and completely, and met service-level agreements with the Federal Reserve Bank and CSS.•Analyzed discrepancies to determine root causes and report on issues that have a significant impact on the corporation.•Analyzed complex Data Change Requests to ensure compliance with Securitization Policy and Trust agreements and recommended decisions to management.•Created, developed, and analyzed all daily, weekly, and monthly trend/exception reporting requirements within their area of responsibility.

•Oversaw transactions of Federal Reserve Bank of New York (FRBNY) wire-cash transfers via system delivery application access to investors.•Managed the repurchase of mortgage loans and resolution of mortgage insurance denials and rescissions that breached contractual obligations.•Identified self-reporting obligations for servicing related issues and defended against inappropriate demands from various counter-parties for servicing related issues.•Worked collaboratively with cross-divisional teams including the PL&R, Litigation, and Mortgage Analytics Teams.

•Developed, documented, and communicated system requirements for the implementation of business solutions. Created conceptual, functional, and technical design specifications.•Managed Enterprise Cash Customer Setup Mailbox, answered emails, provided quick and responsive system access issues, and provided remedies.•Identified business and functional requirements and led the collection, analysis, documentation, and coordination of those requirements. Created and terminated relationships of CTOS, Warehouse Lenders, Sub-Servicers, Document Custodians, TPTS, and new and/or existing Seller / Servicers.•Managed individual's access to Freddie Mac's systems, including SharePoint, provided passwords, resets, and regulated access to Guarantor Roles, and SMO Roles, along with access to Selling, Servicing, Document Custodian, and Test Environment Roles.•Trained Team members and new hires for Third Party Foreclosure procedures and guidelines.•Adhered to production standards and ensured minimal audit findings for processed loans.•Participated in quarterly QAT testing environments for implementation of technology improvements and provided feedback on noted bugs or issues.•Redesigned Default Asset Recovery (DAR) business rules for Third Party By-Pass project, saving $5M in potential DAR losses.

•Reconciled multi-invoice $18M government contracts utilizing Microsoft Excel and Access to analyze tens of thousands of lines of raw data extract derived from multiple Microsoft Excel Sheets and converted these into a simplified TOFASR Spreadsheet required for reporting to Senior Management and government agencies.•Extensively used Microsoft Excel abilities including V-lookup, H-lookup, and Pivot Tables to produce Calculations and reconcile to allowable project budgets.•Extensive use of SharePoint for tracking and updating client profiles.•Performed weekly status updates and collaborated with Business Analysts to complete the project on time.

•Mentored, trained, and led six Grant Processors of this government contract for victims of hurricanes Rita and Katrina.•Verified compliance of applications with program policies set forth by the Louisiana Office of Community Development and HUD guidelines in preparation for Federal Auditors.•Appointed as one of six Tier II Quality Control reviewers to audit grant applications for over 200 colleagues as part of the Final Grant Review Team.•Gathered required documentation and evaluated applications preceding federal audit of 150,000+ victims.

•Led and motivated team, tracked performance, and attended status meetings with senior management.•Received Top Producer Award for 2006 with over $19M of loan volume closed.•Assisted Loan Officers with scenario questions, structuring and pricing loans, locking and registering loans via DU, LP, Calyx Point, and Zippy.•Managed a pipeline of incoming loans; distributed workload to the processing team; followed up with training and processors.•Analyzed customer profiles to determine the best possible mortgage solutions, providing Prime, Alt-A, and Sub-Prime Loans as determined by customers' needs.

•Verified funding procedures were followed and verified loan closings with Settlement Agents or attorneys by reviewing and reconciling HUD-1 Settlement Statements and handled any post-closing issues.•Maintained closing pipeline by completing closing documents in advance of closing, adhering to wire cut-off times and clearing deficiencies, and ensuring timely delivery of completed Certified Closed Loan Packages.•Resolved post-closing exceptions, working as final contact with the Settlement Agent or Attorney to ensure customer experience.