•Recommend and implement credit risk standards for products Fannie Mae finances or underwriters.•Effectively evaluate credit limits and monitor credit exposure for standard (conventional) and complex transactions (structured).• Conduct credit analysis to aggregate data provided by services and internal parties.• Detail market analysis for loan conformity to local conditions for loan sizing and waiver approval.• Diligently examine risk elements of existing deals and make recommendations to management regarding possible credit enhancement..•Confirm, upgrade or downgrade loan ratings based upon aggregated data that is based on internal risk rating matrixes.• Evaluate principal borrower performance and identify potential product stress.• Key contributor in credit reviews and meetings as well as ad hoc assignments.

Serve as Point Of Contact for loans which Ocwen provides a shadow servicing role.•Responsible for oversight and performance of assigned portfolio (1,297 loans, $538MM aggregate UPB).•Reconcile P&I and T&I investor accounts (remittance reports) on a daily basis and provide in-depth analysis on reporting.•Prepare monthly and weekly cash flow reports and active UPB balance reports.•Maintain active relationship with borrowers and guarantors.•Determine best asset performance strategy by analyzing financial information, examining loan documents and understanding market conditions. •Review completed property inspections for overall health of property and identifying life safety and compliance issues. •Complete Watchlist Reporting per industry standards and the Pooling and Servicing Agreement.•Compile monthly trustee reporting in accordance with industry guidelines•Monitor real estate taxes and property insurance status of all loans in assigned portfolio.•Provide reporting assistance to upper management as needed. •Order, track and coordinate environmental requests for Special Servicing department. •Review documents (loan documents, environmental reports, surveys).•Provide IT support and assistance to the Houston Commercial Department.

Service a portfolio of performing and non-performing commercial real estate assets acquired from the FDIC.•Co-manage payoff portfolio consisting of 800 ($850MM aggregate UPB) loans and manually prepare commercial loan payoffs serviced by Situs. •Analyze loan documents and determine provisions of prepayment.•Ensure accounting is properly recorded according to loan documents.•Research real estate tax and other government entities to determine status of taxes.•Examine collateral review and lien releases and provide findings.•Consult and provide customer service to borrowers and investor regarding loans.

Review new and existing website projects for SEO best practices and develop tactical recommendations to improve search engine visibility. • Conduct research and define targeted keywords for website content pages using tools such as WordTracker,Google Adwords and Analytics.• Develop page title, descriptions and meta keywords for all website projects.• Coordinate submissions to all major and appropriate search engine directories.• Create and implement effective link building campaigns, including identifying appropriate links and obtaining linking partners.

Monitored Real Estate Owned (REO) properties to ensure appropriate oversight and management. •Managed inventory averaging 1,000 properties per month.•Ensured redemption, evictions and property preservation were completed in a timely manner.•Analyzed property marketing activities weekly and made marketing plan revisions as necessary.•Approved billing and obtained collateral valuations (BPO/BPI) on subject properties.•Mortgagor negotiation and deed-in-lieu assistance.

Sold Conforming, Jumbo Conforming, FHA and VA in the A Paper market.•Set a companywide record for funded loans in the first 2 months of employment.•Trained clients on underwriting guidelines and product matrix and pricing.•Negotiated new correspondent accounts with nation-wide clients.•Implemented annual quarterly marketing plans to ensure future growth and capture new clients.•Maintained weekly agenda of 20 client meetings and 50 service orientation calls.•Provided guidance and resolved customer service issues.

Conducted quality cold calls with prospective and existing mortgage brokers and bankers.•Responsible for a team of 5 employees with specified and differing duties.•Analyzed borrower credit reports and made loan decisions for proper program placement.•Reviewed and cleared outstanding loan stipulations by underwriting.•Worked with management to actively forecast monthly closed loan volume and consistently meet funding goals. •Implemented a loan retention program with realized increase in 20% closing per month.•Trained new Account Executives and Team Leaders.

•Interacted with UBS/PaineWebber financial consultants as well as bond traders from other firms.•Prepared various marketing and informational documents including adds, bond offering sheets and mailers as requested by traders and financial consultants.•Presented information to clients about Auction Rate Sheets (ARS).•Processed orders from financial consultants on ARS.•Maintained design and content of the Dallas Municipal Bond Trading Desk intranet site.

Efficiently managed the coordination and flow of files in the closing and funding department for the Dallas-Fort Worth production branch.•Responsible for the closing and funding functions for conventional, FHA and VA loans.•Closed and funded loans in accordance with FNMA, FHLMC and private investor guidelines.•Assisted brokers and title agents with questions regarding loan packages.•Guaranteed all post-closing documents were delivered to investors in a timely and efficient manner.