Responsible for underwriting jumbo, non-QM, DSCR,VA , assets/ statement loans and conventional loans for purchase and refinance. □ Compliance Risk Management in Partnership with enterprise risk and business risk Leaders to include Solutioning and Implementation changes resulting from Loan Review, Audit, and other areas where risks could be identified□ Management and ongoing monitoring of Risk based projects such as Adverse Action. Collaboration with other teams of the bank on projects.□ Conducts thorough credit reviews, validating credit information for completeness and accuracy, analyzing credit documents, including, but not limited to, applications, credit history, tax, titles, appraisals, standard income documents, as well as alternative income documentation, and all applicable compliance documents for both non-QM and QM loans□ Reviews debt ratio, loan-to-value ratios, credit score, property valuation, and various other factors assessing the loan for exception approvals or verified automated.□ Applies all internal underwriting guidelines, investor underwriting guidelines and requirements as well as federal regulations to the decision process to ensure high loan quality.□ Signing authority up to $3 million.□ Maintained quality control errors to below 2%.□ Analyzed and calculated income based on documentation provided, income types include but are not limited to personal/corporate returns, rental, self-employment income (Sch C, S Corp, C Corp, Sch E Real Estate) bank statements, P & L, salaried, bonus, overtime, commission, social security income, pension income etc. □ Evaluates credit applications to insure the loan package is clear of fraudulent activity and provides feedback to the Processors and Originators to improve the quality of the loan files.□ Identifies portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure for investor and Business Purpose loan programs.

Conducted credit risk assessments.Made recommendations to mitigate risk and optimize the credit underwriting strategy.Analyzed Federal and State income taxes documents for businesses, benefit funds, real estate individuals, and exempt organizations.Prepare internal memoranda written correspondence private letter rulings and other documents for submission to the IRS or Treasury Department.Develop underwriting strategies to maximize profitability for assigned branches.Managed tax compliance process as part of the Financial Services/General Business Group.Established new and existing client relationships and demonstrate knowledge of client business.Prepared quarterly Business Activity Statements.Trained staff reviewed and evaluated their work.

• Conducted meetings with prospective clients to review investment goals prepare recommendations for products such as stocks, bonds, options, mutual funds, annuities, and insurance products. • Engaged in the development of a book of business in order to meet and exceed the required performance hurdles.• Sourced prospective client to recommend suitable investment products and services based on client objectives, resources, time horizon etc• Provided risk profile and preferences balancing investment growth, referral activities.• Maintained solid customer follow up, prospect building, day-to-day and longer-term plan. • Completed training to enhance FA knowledge base in compliance with FINRA rules and regulations.• Maintained corporate policies ensuring conformity with bank policies and procedures. Industry Experience: 6week Series 7 Training Program

□ Underwrote Non QM, conventional / jumbo purchases and refinance loans with signing authority up to $2million.□ Management and ongoing monitoring of Risk based projects such as Adverse Action. Collaboration with other teams of the bank on projects.□ Compliance Risk Management in Partnership with enterprise risk and business risk Leaders to include Solutioning and Implementation changes resulting from Loan Review, Audit, and other areas where risks could be identified.□ Mortgage Lending and finance underwriting /origination, and mitigation for FHA, VA, Jumbo, unconventional, sub-prime, prime, commercial mortgages, consumer lines, commercial lines of credit, and various ancillary products.□ Analyzed personal and business tax returns, legal documentation, appraisals, title reports, and analyzing credit reports to determine credit eligibility and signoff on all conditions.□ Executed an analysis to determine the acceptable collateral risk standards are met, while completing the necessary research to determine federal, state and company compliance.□ Performed due diligence quality review of underwriters, by providing a detailed review of retail and correspondent approved loans, including credit, income, and asset analysis and findings.□ Managed Loan Modification, Forbearance Agreement, Deed in Lieu of Foreclosure, Short Sale, Promissory Note, Note Sales on defaulted second Train staff reviewing and evaluating their work.