Denise Vidal Davis, Mba Email & Phone Number

Helotes, Texas, Us

Fort Washington, Pennsylvania, Us

In my recent job role as Vice President of Underwriting at Filo Mortgage LLC, I orchestrated and implement underwriting policies, operating procedures, management plans, and strategies to ensure smooth flow of underwriting operations. I single-handedly managed wide range of operations, such as developing monthly reporting for the department, examining underwriters’ performance, conducting regular audits, issuing guarantees on VA loans supporting secondary, and resolving post-closing issues. I utilized analytical and critical thinking skills while maintaining SLOs, as well as tracking and monitoring goals and performance related to underwriting. I determined the company’s strategic credit risk while serving as an Executive Member of Credit Committee. I acted as the product expert for Conventional, Non-QM products, FHA, and VA products. I optimized overall productivity and customer experience by evaluating existing processes on a consistent basis, implementing improvement initiatives, and adhering to quality assurance. I supported a team of underwriters in managing lending process by delivering training on all products, implementing a lending authorization process, and defining a progression path for all underwriters. Highlights of accomplishment in this role include:• I established and managed the underwriting department, provided leadership support, and reduced risks in accordance with company’s risk tolerance as set forth by the credit committee and investors, while transitioning company from a startup broker into a lender. • I successfully closed $1+ billion worth of loans in the first year of operations by developing underwriting department from scratch, implementing processes, coaching employees on procedures, and streamlining communication.• I developed a team of mortgage directors, managed 25 staff members, assessed performance, evaluated training needs, and conducted training sessions to improve productivity and efficiency.

Irvine, Ca, Us

While working as Underwriting Team Lead at the Loan Depot Wholesale, I worked with accounts executives across Central, South East, East Coast, and West Coast regions. I managed loans and closing ratios at levels determined by LDW leadership. I developed calculators and other tools for the mortgage products as well as resolved escalations on the LDW products. I demonstrated accurate knowledge of wide range of products, such as FHA, VA, Non-QM, FNMA, and FHLMC. I reviewed and discussed regional pipeline movement and trends by organizing weekly discussions with regional sales manager. I enhanced accuracy in the underwriting process by conducting internal audits on files. I supported team members in adopting the change by demonstrating policies and sharing best practices. Highlights of accomplishments in this role include:• I participated with a team in building and implementing a digital training platform to give access to employees to all videos at any time.• I played an instrumental role in achieving operational excellence and profitability targets by identifying areas of opportunity for both underwriters and processors, delivering effective classes to the department, and creating tools used by the department to enhance the processes. • I led a team of 13 staff members, prepared schedules, assigned duties and targets, supervised individual performance, and created a productive and friendly working ambiance at all times to retain top talent. • I empowered underwriters to meet LDW expectations for production, quality, and customer service by providing hands-on leadership support and guidance.• I planned and executed performance reviews of underwriters on a monthly and yearly basis to identify and address skills gaps and catapult efficiency levels. • I fostered lucrative working relationships with account executives and regional sales managers to ensure smooth workflow of operations.

San Antonio, Texas, Us

In this role, I delivered guidance to underwriters on resolving highly complex escalated VA files and mitigating risks in loan portfolio and investor products. I acted as the Front Door Analyst to handle non-wealth management portfolio requests as well as gained broad exposure to mortgage investor guidelines, such as FNMA and GNMA. I supported the execution of monthly quality reviews to determine trends for leadership team and suggest process improvement initiatives to address high-trending defects. I administered operations in India by managing third-party offshore team, while ensuring maximum compliance with all regulations. Highlights of accomplishments in these roles include:• I facilitated the development of underwriting department by creating training programs for staff. • I accomplished business goals by cultivating open communication across business lines and sites.

San Antonio, Texas, Us

Master Of Business Administration (M.B.A.)

Bachelor'S Of Science Degree, Geology/Earth Science, General

Bachelor'S Of Science, Biology, General