Explore trends within Affordable Housing and underserved communities. Identify, manage, and grow strategic relationships with key Bond Authorities and Affordable Housing assistance providers to offer new and viable programs and develop new lending strategies.Oversee the Servicing of our portfolio loans and Interim Servicing of loans that are sold to private investors prior to transfer. Focus on the delivery of a positive Customer Servicing experience while driving a more robust Servicing platform.* Fair Lending Committee Member* Credit Policy Committee Member* Risk Committee Member

Collaborated with Housing Finance Agency (HFA), Mortgage Credit Certificate (MCC) and Down Payment Assistance (DPA) providers, Investors and Servicers. * Developed products, writing, maintaining and releasing new programs and products* Partnered with Processing, Underwriting, Secondary, Operations and Production on our product suite* Worked closely with LOS Application Specialists to ensure timely product release* Communicated with Investors on product related questions requiring strong communication skills* Reviewed, tracked and maintained product announcements to effectively identify programs changes* Updated and maintained our Bond and HFA Intranet information page* Researched and answered product scenarios and questions * Solid knowledge and understanding of a variety of State Housing Finance Agency Programs* Solid knowledge and understanding of Agency guidelines including Conventional, FHA, USDA and VAEnsured WMC’s full compliance with applicable Underwriting and Product Guidelines. This also entailed making sure that our participants are fully educated and have the necessary tools to successfully originate these vital loans.

Recruited, onboarded, managed and developed staff. Trained staff in loan processing, underwriting and tax compliance as well as Housing Finance Authority (HFA) program parameters, GSE guidelines, quality assurance, lender approval, lender management, lender annual recertification and 203K Administration. Oversaw Help Desk staff that received and initiated phone calls and email inquiries. Setup Avaya Dashboard, Avaya CMS and Salesforce reporting environments. Was responsible for auditing data transmissions, batch error reports and registration data. Completed annual Qualified Mortgage Bond Information Reports for submission to the IRS. Distributed all product & industry updates to clients. Facilitated contract enforcement for loan repurchase, early payoff, early payment default and uninsured mortgages. Led business line project management and user acceptance testing.

Monitored and regulated daily work flow for the Loan Processor Quality Assurance Team. Updated upper management on departmental trends and areas of improvement. Responsible for quality assurance and compliance with Freddie Mac and Fannie Mae underwriting guidelines. Underwriting responsibilities, including validating personal and business tax returns, income documents, hazard policies, residential titles, appraisals and assets. Mentored associates to achieve higher standards of accuracy, efficiency, compliance with underwriting guidelines and administration of policies and programs.

Managed and processed a pipeline of mortgage transactions from application to funded status. Met commitment dates throughout the loan process. Ensured proper receipt and validation of documentation received from customers and vendors to meet underwriting guidelines - pay stubs, asset statements, promissory notes, divorce decrees, W-2’s, 1099’s, full titles, hazard declaration pages, flood certifications and residency documentation.

Maximized lending opportunities while limiting risk. Underwrote lines of credit up to $1,000,000. Analyzed demographic information and credit reports to ascertain credit worthiness of customers to maximize loan potential. Maintained an overall portfolio delinquency rate under 2%. Made judgmental lending decisions based on lending criteria and evidenced compensating factors.

Facilitated the collection of delinquent credit card and consumer loan portfolios. Individually managed portfolios in each stage of delinquency from 30 days delinquent through charge off. Monthly asset recovery from $250,000 to $1,300,000.