* Recruiting and building an operation team* Create and map process flow to ensure efficiency and accountyability* Working with our Sale Team to insure compliant and follow all guidelines set forth by the industry* Underwrite and clear all conditions for HECM reverse mortgage loans

•Develope and train on the reverse mortgage loans product (work flow, guideline, etc) to ensure to meet investor and HUD requirements•Completed and obtained the company “Firm Commitment” approval for Reverse Direct Endorsement•Analyze issues and risks that influence a lending decisions•Underwrite and clear all conditions for HECM reverse mortgage loans for all branches

* Managed, trained and evaluated 20 underwriters on policies and procedures for FHA reverse and conventional loans (HOMEKEEPER).* Work closely with staff to prioritize workload and resolve customer services issues, including daily production requirements,quality score measurement and time in process standards. * Underwrote loans manually in wholesale and retail environment to determine credit worthiness and perform collateral appraisal review for HECM reverse loans.* Handle second level reviews of declined transactions and review complex loans structures outside the underwriter lending authority.* Performed risk analysis and made decision regarding deficiencies identified during management review process for any indication for potential fraud.* Lending authorizes sign off 1 million* Completed turn time reports to management and respond to audit findings for the Underwriting Department. * Assisted the Compliance Department with the audit finding from Fannie Mae on repurchase loan for servicing department.* Help with underwriting special projects for back logged loans submitted for review.

* Cross-trained staff to clear underwriting conditions on FHA retail and wholesale loans and helped train staff for the new the LOTUS/Stellent mortgage system.* Assure all reverse loans were in standard compliance for the company, according to FHA and FNMA guidelines.* Prioritized and monitored conditions rec'd to ensure a timely closing.* Served as temporary manager of Intake/Imaging and Shipping Departments, managing and training more than 40 individuals, and establishing policy and procedures.

* Underwrote files (FHA/FNMA) and cleared all conditions for correspondents and retail processors for HECM reverse and HOMEKEEPER product* Ensure proper processing of mortgage loans in a compliant and timely manner* Lending authorizes sign off 417,000* Performed internal audits, research and resolves outstanding issues on pending or closed loans* Reviewed more than 200 loans per month and consistently posted less than 10 percent in errors

* Processed and closed Reverse Mortgage Loans (such as Proprietary Loans) for wholesale lenders nationwide, including closing 50 percent of loans within 30 days of receipt from correspondents.* Processed an average of 300 loans HECM and 50 cash accounts monthly while managing 10 staff processors.* Interaction with loan Officers, title companies, contractor, and appraiser to facilitate closing