C M. Email & Phone Number

California, United States

Responsible for underwriting non-agency and non-QM mortgage loans, ensuring they meet corporate and secondary market investor standards. My role is involve in analyzing borrower credit files, collateral, and capacity to determine creditworthiness, as well as reviewing loan documentation for accuracy and completeness. Acts as a subject matter expert, assisting third-party originators with structuring loans, providing solutions, and making loan decisions such as approvals, suspensions, or denials. Additionally, clears conditions, identify potential fraud, and ensure compliance with all regulatory and product guidelines, while working closely with both internal and external partners.

Remote, United States

Responsible for overseeing the underwriting process for Qualified Mortgage (QM) and Non-Qualified Mortgage (Non-QM) loans. My role involves leading a team of underwriters, ensuring compliance with regulatory standards, and maintaining high levels of accuracy and efficiency. Led, mentored, and managed a team of QM and non-QM underwriters, providing training, support, and performance feedback. Fostered a collaborative and results-driven team environment that encourages continuous learning and professional development. Ensured the team met performance targets and adhered to company policies and industry standards. Oversaw the underwriting of QM and Non-QM loan applications, ensuring thorough analysis of borrowers' financial profiles, creditworthiness, and collateral. Made informed decisions on loan approvals, conditions, and exceptions in accordance with company guidelines and regulatory requirements. Provided expertise on complex and high-risk applications, ensuring sound judgment and adherence to risk management practices. Ensured all underwriting activities comply with federal and state regulations, investor guidelines, and internal policies. Implemented and monitored quality control processes to maintain high standards of accuracy and consistency in loan decisions. Stayed updated on changes in regulations, market trends, and industry best practices to ensure compliance and competitiveness. Identified opportunities to streamline underwriting processes and enhance operational efficiency. Collaborated with other departments to develop and implement process improvements and technological advancements. Monitored and analyzed key performance metrics to drive continuous improvement in the underwriting process. Prepared and presented regular reports on team performance, loan volume, and underwriting quality to senior management. Addressed and resolved escalated issues and concerns in a professional and timely manner.

San Diego, California

As a Consumer Loan Underwriter IV in the Private Mortgage Banking Division for Wealth Borrowers, I was responsible for evaluating and underwriting complex mortgage loan applications for high-net-worth individuals. My role requires a high level of expertise in assessing financial profiles, ensuring compliance with regulatory standards, and delivering exceptional service to affluent clients. Reviewed and underwrote complex mortgage loan applications for wealth borrowers, including jumbo loans, investment properties, and unique financial situations. Analyzed detailed financial statements, tax returns, and other documentation to assess creditworthiness and repayment ability. Ensured all underwriting decisions comply with internal policies, investor guidelines, and regulatory requirements. Conducted thorough risk assessments to identify potential risks and mitigate exposure for the bank. Made informed and prudent decisions on loan approvals, conditions, and exceptions, balancing risk with business objectives. Handled escalated and high-stakes applications with sound judgment and expertise. Communicated effectively with clients, financial advisors, and relationship managers to gather necessary information and explain underwriting decisions. Addressed and resolved complex client inquiries and concerns in a timely and effective manner. Ensured all underwriting activities adhere to federal and state regulations, as well as internal policies and procedures. Participated in internal and external audits, providing necessary documentation and explanations as required. Implemented and monitored quality control measures to maintain high standards of accuracy and consistency. Collaborated with loan officers, processors, and other team members to facilitate smooth and efficient loan processing. Mentored and supported jr. underwriters, providing guidance to enhance their skills and performance.

San Diego, California, United States

As an Exception Underwriter IV with the National Credit Office, I was responsible for evaluating and underwriting complex and exception-based loan applications. My role required a deep understanding of credit risk, regulatory standards, and company policies. Reviewed and underwrote complex and exception-based loan applications that fall outside standard guidelines. Conducted detailed analysis of borrowers' financial profiles, credit histories, and collateral to assess risk and repayment capacity. Made informed decisions on loan approvals, conditions, and exceptions, balancing risk with business objectives. Ensured all underwriting decisions comply with federal and state regulations, investor guidelines, and internal policies. Participated in internal and external audits, providing necessary documentation and explanations. Implemented and monitored quality control measures to maintain high standards of accuracy and consistency in underwriting decisions. Addressed and resolved complex underwriting scenarios and exceptions with sound judgment and expertise. Evaluated and recommended solutions for unique or high-risk situations that require deviation from standard guidelines. Collaborated with senior management and other stakeholders to develop strategies for managing and mitigating credit risk. Prepared and presented regular reports on exception underwriting activities, loan volume, and risk assessment to senior management. Analyzed data to identify trends, risks, and opportunities for improvement in the underwriting process. Implemented corrective actions as needed to address any identified issues or deficiencies. Ensure timely and effective communication with borrowers and other stakeholders, providing clear and accurate information about loan decisions. Resolved escalated customer concerns and complaints in a professional and empathetic manner. Shared knowledge and insights with colleagues to promote continuous improvement and innovation.

San Diego, California, United States

Responsible for evaluating and underwriting mortgage loans sourced through correspondent lenders. My role involved ensuring compliance with regulatory standards, maintaining high levels of accuracy, and supporting the overall efficiency of the loan underwriting process. Reviewed and underwrote mortgage loan applications submitted by correspondent lenders. Conducted detailed analyses of borrowers' financial profiles, credit histories, and property appraisals to assess creditworthiness and risk. Ensured underwriting decisions adhered to company policies, investor guidelines, and regulatory requirements. Made informed decisions on loan approvals, conditions, and exceptions, balancing risk management with business objectives. Handled complex and high-risk applications with expertise and sound judgment. Provided recommendations for loans that require exceptions to standard guidelines. Ensured all underwriting activities comply with federal and state regulations, investor guidelines, and internal policies. Participated in quality control reviews to maintain high standards of accuracy and consistency. Stayed updated on changes in regulations and industry best practices to ensure compliance and competitiveness. Worked closely with correspondent lenders, loan officers, processors, and other team members to facilitate smooth and efficient loan processing. Provided clear and effective communication to correspondent lenders regarding loan decisions, conditions, and required documentation. Addressed and resolved any issues or concerns that arise during the underwriting process. Prepared and presented regular reports on underwriting activities, loan volume, and performance metrics to senior management. Analyzed data to identify trends, risks, and opportunities for improvement in the underwriting process. Implemented corrective actions as needed to address any identified issues or deficiencies.

San Diego, Ca

Responsible for overseeing and managing the compliance program, ensuring adherence to legal and regulatory requirements, and conducting thorough audits to identify and mitigate risks. My role required a deep understanding of compliance, law, and auditing practices. Developed, implemented, and oversaw the organization's compliance program to ensure adherence to federal, state, and industry regulations. Monitored and assessed compliance risks, developing strategies to mitigate potential issues. Ensured policies and procedures are up-to-date and in line with current regulatory requirements. Provided legal guidance and support to the organization on compliance-related matters. Interpreted and applied laws, regulations, and policies to ensure the organization's operations are compliant. Stayed current with changes in laws and regulations that impact the organization and communicated these changes to relevant stakeholders. Conducted comprehensive audits of the organization's operations, processes, and systems to identify areas of non-compliance. Developed and implemented audit plans, methodologies, and procedures. Analyzed audit findings, prepare detailed reports, and recommend corrective actions to management. Developed and delivered training programs to educate employees on compliance requirements and ethical practices. Provided ongoing support and resources to ensure employees understand and adhere to compliance policies. Prepared and presented regular reports on compliance activities, audit findings, and risk assessments to senior management and the board of directors. Maintained accurate and comprehensive records of compliance activities, audits, and investigations. Led and managed internal investigations into compliance breaches, unethical behavior, or regulatory violations. Developed and implemented remediation plans to address identified issues. Ensured incidents were reported to regulatory authorities as required.

San Diego, Ca

Oversaw and managed the loss mitigation underwriting team to ensure the effective and efficient processing of loss mitigation applications. Led efforts to evaluate borrowers' financial situations and develop appropriate strategies to mitigate losses while adhering to regulatory and company standards. Supervised and mentored a team of loss mitigation underwriters, providing guidance, support, and training. Ensured the team meets performance goals and maintains high standards of accuracy and productivity. Fostered a collaborative and positive work environment that encourages professional growth and development. Oversaw the review and analysis of loss mitigation applications, including loan modifications, forbearance plans, short sales, and deed-in-lieu transactions. Ensured decisions are made in compliance with company policies, investor guidelines, and regulatory requirements. Provided expertise and direction on complex or escalated cases to achieve optimal outcomes for both the borrower and the company. Developed, implemented, and monitored underwriting policies and procedures to enhance efficiency, accuracy, and compliance. Stayed current with industry trends, regulatory changes, and best practices to ensure the team is informed and compliant. Collaborated with other departments to streamline processes and improve the overall loss mitigation workflow. Prepared and presented regular reports on team performance, application volume, and resolution outcomes to senior management. Analyzed data to identify trends, risks, and opportunities for improvement in the loss mitigation process. Implemented corrective actions as needed to address any identified issues or deficiencies. Ensured timely and effective communication with borrowers, providing clear and accurate information about their loss mitigation options. Resolved escalated customer concerns and complaints in a professional and empathetic manner.

San Diego County, California, United States

Responsible for overseeing the underwriting team, ensuring efficient and accurate processing of wholesale mortgage loan applications, and maintaining compliance with regulatory standards. My role required strong leadership, in-depth knowledge of mortgage underwriting, and a commitment to delivering exceptional service to wholesale partners. Led, mentored, and managed a team of wholesale mortgage underwriters, providing training, support, and performance feedback. Ensured the team meets performance targets and adhere to company policies and industry standards. Oversaw the underwriting of wholesale mortgage loan applications, ensuring thorough analysis of borrowers' financial profiles, creditworthiness, and collateral. Made informed decisions on loan approvals, conditions, and exceptions in accordance with company guidelines and regulatory requirements. Provided expertise on complex and high-risk applications, ensuring sound judgment and adherence to risk management practices. Ensured all underwriting activities comply with federal and state regulations, investor guidelines, and internal policies. Implemented and monitored quality control processes to maintain high standards of accuracy and consistency in loan decisions. Identified opportunities to streamline underwriting processes and enhance operational efficiency. Monitored and analyzed key performance metrics to drive continuous improvement in the underwriting process. Prepared and presented regular reports on team performance, loan volume, and underwriting quality to senior management. Implemented corrective actions as needed to address any identified issues or deficiencies. Developed and maintained strong relationships with wholesale partners, ensuring effective communication and timely feedback on loan applications. Worked closely with account executives and other relevant teams to enhance the overall partner experience. Promoted a culture of continuous learning and improvement within the team.

Orange County, California

I was responsible for overseeing the operations and performance of multiple branches within a designated region. My role involved managing teams, ensuring compliance with regulatory standards, and optimizing operational efficiency to meet business objectives. Led, mentored, and managed branch managers and their teams across the region, providing training, support, and performance feedback. Ensured all branches met performance targets and adhered to company policies and industry standards. Oversaw daily operations of branches to ensure smooth and efficient processes. Implemented and monitored operational policies and procedures to enhance productivity and customer service. Identified and addressed operational challenges and bottlenecks, implementing solutions to improve efficiency. Ensured all branch operations comply with federal and state regulations, as well as internal policies and procedures. Conducted regular audits and quality control checks to maintain high standards of accuracy and compliance. Monitored and analyzed branch performance metrics, identifying trends, risks, and opportunities for improvement. Prepared and presented regular reports on regional performance, operational efficiency, and compliance to senior management. Implemented corrective actions as needed to address performance issues and enhance overall branch performance. Ensured exceptional customer service across all branches by implementing best practices and training programs. Developed and maintained strong relationships with key clients, stakeholders, and community partners. Collaborated with senior management to develop and implement strategic plans for regional growth and expansion. Coordinated with marketing and sales teams to implement regional marketing campaigns and initiatives. Oversaw regional budget and financial performance, ensuring branches operate within financial targets and constraints. Monitored and controlled expenses to optimize profitability and cost efficiency.

Irvine, Ca

I was responsible for overseeing the underwriting team, ensuring the efficient and accurate processing of sub-prime loan applications, and maintaining compliance with regulatory standards. My role required strong leadership, a deep understanding of sub-prime underwriting principles, and a commitment to delivering exceptional service. Led, mentored, and managed a team of sub-prime underwriters, providing training, support, and performance feedback. Ensured the team met performance targets and adhered to company policies and industry standards. Oversaw the underwriting of sub-prime loan applications, ensuring thorough analysis of borrowers' financial profiles, creditworthiness, and collateral. Provided expertise on complex and high-risk applications, ensuring sound judgment and adherence to risk management practices. Ensured all underwriting activities comply with federal and state regulations, investor guidelines, and internal policies. Implemented and monitored quality control processes to maintain high standards of accuracy and consistency in loan decisions. Identified opportunities to streamline underwriting processes and enhance operational efficiency. Collaborated with other departments to develop and implement process improvements and technological advancements. Monitored and analyzed key performance metrics to drive continuous improvement in the underwriting process. Prepared and presented regular reports on team performance, loan volume, and underwriting quality to senior management. Analyzed data to identify trends, risks, and opportunities for improvement in the underwriting process. Developed and maintained strong relationships with loan officers, processors, and other stakeholders to facilitate smooth and efficient loan processing. Worked closely with relevant teams to enhance the overall borrower experience. Developed and delivered training programs to enhance the skills and knowledge of the underwriting team.