• Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.• Supported clients with business analysis, documentation and data modeling.• Obtained Florida MLO license in order to originate owner financing loans as required by Florida Law.• Supported creation of detailed, technical financial models to value potential acquisition targets.• Created real estate portfolio of over 10 various properties for investor in under one year.• Seek funding for businesses that need funding, whether it be through private funding sources or SBA or other commercial sources.• Presently working with 25 clients both nationally and internationally.

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.• Verified integrity of applicants' information to minimize fraud.• Worked with processing loan officers and processors to communicate errors and obtain missing information for applications. Restructured loans as needed.• Maintained mortgage program compliance with federal agencies such as VA, HUD, USDA, FHLMC, FNMA and various bond loans.• Consistently underwrote new submissions in under 24 hours..

REMOTE SENIOR UNDERWRITER 05/2015 to 11/2016 GUARANTEED RATE, Remote Jumbo Underwriter | Chicago, IL• Assisted senior executives with final loan closings and underwriting, coordination and submission of high-profile loan packages.• Consistently maintained 24-hour turnaround on all new submissions and conditions.• Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.• Sole underwriter for most successful Loan Officer in Chicago region.• Made decisions on acceptance, rejection or modification of loan proposals.• Provided high level of assistance to customers and loan officers helping with review, restructuring, and flipping programs to make all loans possible.

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.• Verified integrity of applicants' information to minimize fraud.• Checked team calculations to validate information and underwriting decisions.• Reviewed team underwriting decisions to identify incorrect actions and provide remediation remedies.• Reviewed over 50 financial statements per month.

• Consistently top underwriter in terms of both value and quantity.• Determined and documented loan conditions and communicated requirements and decisions.• Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions.• Reviewed loans and mentored new underwriters.

• Managed workforce of 65 front-line employees and 5 supervisors responsible for all phases of mortgage operations• Coached, developed and managed team members including decisions relative to performance reviews, terminations, hires, discipline, salary actions, and performance improvement plans.• Managed budget of unit• Participated in strategic planning regarding future direction, formulation and implementation of systems, policies and guidelines and oversaw implementation of practices to ensure compliance with Wells Fargo, legal, investor, regulatory and business policies.• Reduced underwriting turn times from 5 days to 2 days by inspiring and cultivating high levels of employee involvement.• Increased percentage of loans closed by effectively introducing concepts of “Courageous Underwriting.”• Improved customer satisfaction while reducing costs through Root Causes Analyses of quality issues.• Developed reports and financial sheets for annual budgets and senior leadership goals.• Planned budgets and communication initiatives for comprehensive facility management and allocation of space and funds.• Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.