Complete thorough analysis of QM/Non QM Jumbo Portfolio loan files of moderate to complex transactions to determine compliance with company policy. Determine and recommend for exceptions to higher authority. Partner with Sales and other departments to insure SLAs are met and loan packages are complete, compliant with fair lending laws and close in a timely manner. Exceeding company productivity level and compliant with designated turnaround time for underwriting of file. Won the 2nd and 3rd quarter 2017 Service Award with 6 other nominations from our Sales Partners. As of 10/15/2022 was transferred to Loss Mitigation and risk management of Freddie Mac and Fannie Mae loans where we can mitigate the loan risk by offering Forbearance, deferment, RPP and based on income analysis loan modifications in order to help borrowers.

As a retail Sr. Corporate Underwriter I was responsible for expert knowledge of Jumbo QM, Non QM, Fannie and Freddie loans to nation wide branches.

Designated as the underwriting SME for integration of Empower mortgage software with 3rd party software vendors in relation to procedures policies and workflows. Recommended policy and procedure changes to Credit Administration and provided support to sites at San Diego, Tempe and Brea retail and wholesale sites and reported to SVP of Operations for the bank.

A level 3 Underwriter and team lead at San Diego fulfillment underwriting complicated conforming loans.

A level 3 Underwriter and team lead at San Diego fulfillment underwriting complicated conforming loans.

A level 3 Underwriter and team lead at San Diego fulfillment underwriting complicated conforming loans.