- Review and write credit policy manual and bulletins for NQM lending products.- Created income calculators for NQM lending products- Instituted Credit Scenarios mailbox fielding credit and underwriting questions from Seller Partners- Maintained and categorized mailbox questions in SharePoint database.- Review and analyze company applications for potential Seller Partners. - Review and determine path for credit exception requests.- Created and conducted training for AMF Product Eligibility and Policy changes.- Analyze loan reports and work with loan exchange/investor partners to clear loans for purchase.- Responsible for competitive analysis of NQM competitors.

- Managing customer support analysts troubleshooting cases in Encompass LOS and ICE PPE system.- Contributed to policy and procedure updates to increase efficiency.- Initially managed case load backlog from >350 to <100.- Managed Leads and technical staff nationally and internationally.

- Initial groundwork to re-start mortgage lending division- Managing the relationship with the CUSO for loan processing, funding, purchase

- Full oversight of the development, implementation, and monitoring revisions made to credit policy and guidelines.- Developed expanded guidelines for alternative MI channel Arch Mortgage Guaranty.- Responsible for Business Rules Analyst updating systems with new policies and lender program variances.- Worked with QC and Underwriting to review guidelines and processes resulting in serious error rate moving below 5%.- Designed and launched innovative streamlined loan underwriting processes which increased productivity by 20%.- Project oversight of complex Business Rules revision resulting in 70% reduction in redundancies.- Responsible for credit union new lender and delegated authority approvals. - Responsible for credit union program variance approval. Developed process for submission, review and monitoring. - Managed MI Quality Control team handling audits of delegated MI customers and internal underwriting. Used findings from reviews writing/updating policies, Managed the rescission review process.- Led detailed file audit reviews that reduced the average error rate from 30% to less than 10%; consulted on Underwriting Management group audits, and reduced error rates by 18%.

- Executive-level leadership of wholesale lending corporation including four managers and 30 staff members.- Managed all aspects of broker approval, quality control, appraisal, and compliance.- Drove policy changes, process improvements, and contract renegotiations that grew monthly production revenue to $100M+.

- Leadership team member selected to oversee newly-created Regional Wholesale Operations Team serving 20 Brokers nationwide.- Led Regional Wholesale Operations Team’s production from $0 to $100M in six months.- Managed team which set Ops Center monthly team production record of $125M.

- Joined organization at its inception and helped grow employee base from original 20 to over 600; as Credit Manager created the Underwriting Department supervising two managers and 15 Underwriters.- Progressively promoted from Credit Manager to Director roles in Credit Policy, Correspondent Lending, and Wholesale Lending..- Planned and launched the Correspondent Home Equity division which consistently produced $350M annually.- Routinely selected to participate in strategic committees including Job Alignment and IT Project Review.