Examine and analyze single family mortgage loans for conformance to Fannie Mae (FNMA), Freddie Mac (FHLMC) and national mortgage companies guidelines.Proficient in Calyx Point Mortgage Loan Origination and Processing System.Review all loans (paperless) imaging system.

Performing on site Real Estate Settlement Procedures Act ("RESPA") Compliance Auditing on closed loan files to determine lender compliance with current RESPA regulations.Utilizing clients imaging system (paperless) and Loan Operations System to perform due diligence review.

Provide leadership and direction for two- person team responsible for managing a $130 million secured multi-family apartment building and commercial mortgage lending portfolio (each loan ranging from $250,000 to $2 million). Special emphasis on new loan programs, multi-family and commercial credit and collateral analysis and mortgage documentation.

Wholesale Commercial Lending (2005 - 2008) Developed all facets of wholesale commercial lending program, including designing policies and procedures. Special emphasis on new loan programs, multi-family and commercial credit and collateral analysis and mortgage documentation.Orchestrate strategic marketing programs to generating new business from potential leads while addressing service issues with existing accounts to maintain good account status and maximize customer satisfaction.Responsible for loan analysis, portfolio development and maintaining profitability; manage loan restructuring and closing; proven ability to handle all phases of transactions, from review and analysis, through documentation, closing and follow-up.Administer bank policies, prudently manage assets, analyze credit approval documents, gather credit and collateral information and evaluate and report risk.Structure the lending system by controlling delinquencies and maintaining compliance with both bank standards and federal regulations.Analyze commercial and real estate documentation required to establish borrowing authority and secure the bank’s interest in collateral.Lead credit administration officer that managed a team of credit analysts that performed loan review and due diligence for multiple loan pool purchases from the secondary market and potential bank acquisitions. Responsibilities included: asset securitization, collateral, documentation, risk ratings and preparing reports for management.Liaison to other bank units to resolve client issues and confer on documentation portfolios as to structure and conformance to bank policy.Reviewed all appraisals, property inspections and environmental reports to assure bank compliance. Examined and analyzed all single family mortgage loan requests in the absence of the Wholesale Single Family Manager.

Charged with re-organizing the foundation (i.e. programs and procedures) to manage a large loan pipeline. Reviewed loan packages while managing a staff of loan underwriters, analysts and processors. Served on the bank’s Lending Committee.Reduced turnaround times from registration to closing by 45 days (less than half of previous time).Developed new pre-screening, credit analysis and loan development processes; designed registration package, processing manuals, underwriting guidelines and marketing materials.Examined and analyzed all loan presentations (single family and commercial real estate) prior to submission to Lending Committee. Underwrote borrower/guarantor credit worthiness to FNMA/FHLMC single family underwriting guidelines.Supervised staff in all phases of underwriting and loan processing.Performed risk assessment on all multifamily loan submissions.

Solicited mortgage brokers and bankers across the national marketplace to submit multi-family apartment buildings to the bank for loans averaging $450,000 to $500,000.Travelled to numerous markets throughout the U.S. to meet and interview brokers, appraisers, property inspectors and management companies.Analyzed and recommended approval of individual loans to the Loan Committee.Co-created marketing materials along with registration, underwriting and processing manuals.

Managed a division that exclusively handled underwriting and loan processing for multi-family properties throughout the country.Analyzed, evaluated and reviewed multi-family loans while identifying and mitigating all potential risks.Partnered with the IT and other department heads to spearhead the research, development, rollout and training of a comprehensive new computer system for all lending operations.

Responsible for verifying and analyzing data to determine risk for new single-family mortgage loans. Underwrote single family loans for national lending companies.Issued private mortgage insurance certificates.