Qualifications:20 +years mortgage experience. From sales and Underwriting. I have trained sales, underwriters, and processors. Experienced in underwriting home equity and 1st mortgages. Experienced with conventional- Fannie and Freddie, Harp/Hamp, high balance, and Jumbo non-conforming, DSCR,ITIN, Foreign nationals etc. Experience with bank and investor guidelines. I am proficient in manual cash flow income calculation. Proficient with Corporate, partnerships, k-1’s, Trust income, Sched E Rentals as well as S. corp. tax returns. Experience with QM, Non-QM loans as well as ATR and Bank statement loans. I have experience auditing loans from conventional, FHA, and Non-conforming prior and post-closing. Experienced in completing mid-year and annual reviews. Experienced in recognizing and reducing fraud. Excellent follow-up skills, time management, communication and Leadership skills.NMLS #1521905Transferable skills.Analytical Excellence: Ability to analyze complex data, assess risks, and make informed decisions. Effective Communication: Clear and concise communicator.Risk Management Expertise: Experienced at noticing and mitigating risk in all areas. I can effectively identify, assess, and mitigate risks across different domains. My expertise includes analyzing potential risks, developing comprehensive mitigation strategies, and providing insights to make informed decisions in uncertain situations. Problem-Solving Acumen: In my previous positions I encountered complex challenges daily, requiring innovative problem-solving as well as finding creative solutions was a constant necessity.Attention to Detail: I have a keen eye for detail it has become second nature from previous roles. Financial Analysis: All previous positions involved evaluating financial documents regularly. This includes bank statements and tax returns from 1040’s to all partnership and corporate returns including profit and loss and balance sheets.Negotiation Skills: Negotiating terms is a skill I have honed to perfection. Time Management: With multiple tasks on my plate in a fast-paced environment, time management is my superpower.