Darryl King, 6Σbb Email & Phone Number

Los Angeles, Ca, Us

Cerritos, California, Us

Underwriting Director

Corona, Ca, Us

Original member of the Launch Team for Commercial Short-Term Financing entity of Strategic Acquisitions Borrower Underwriting Department. Key focus includes creating user manuals, developing process flows, leading software integration efforts, and implementing Capital Stack diligence.

Sherman Oaks, California, Us

Tulsa, Ok, Us

Lewisville, Texas, Us

Sherman Oaks, Ca, Us

Pittsburgjh, Pa, Us

Reliance First Capital, LLC, Melville, NY / Cincinnati, OH 2012 - PresentUnderwriting ManagerDirected the day-to-day operations for the Underwriting Department which consisted of 20 + employees across 2 sites with FHA, USDA, MI, Jumbo Portfolio, Conventional, and Bond Agency programs. Technical Skills include analytical and detail credit and risk management with extensive experience reviewing all forms of income documentation including IRS Forms, Investments, Retirement and Annuity income. Conventional and Government Loan Collateral review of single-family residences attached and detached PUD, and condominium review. • Implemented QM & CFPB Standards in Underwriting• Structured Training and continuous education expectations for the department• Collaborated on Underwriting Policies and Procedures for GSE Compliance• Co-Authored and updated Job Descriptions for the UW Department • From Spec to Implementation of New Loan Products• Purchase initiatives and training that increased purchase production over 40% from 2013 to present• Cross collaborative partnerships with Collateral, Quality Control, and Secondary Underwriting for process and partnership for improvement• Introduced underwriting production standards and tracking for pipeline management• Partnered with BSA Manager to maintain the integrity of the company• Increased morale and employee engagement• Created an internal advancement process for certifications and advancement

Cincinnati, Ohio, Us

Director of 9 Fulfillment Teams of Mortgage Professionals with Managers of Underwriters, Credit Analyst, and Processors for Fifth’s Third Mortgage Company Retail Channel and Collateral Underwriting. Fulfillment process charged with Conventional and Government Programs (FHA, VA, FNMA & FHLMC) Bond Loans, and Private Banking for Purchases, Refinances, 2nd mortgages, and HELOC’s. Managed both Direct and Retail Fulfillment Teams during high volume periods.• Partnered with Closing Director to increase data integrity to improve closing efficiency• Implemented Time Management processes with Fulfillment Department• Partnered with Sales Management to increase dependability, submission integrity and problem resolution.• Utilized production reports along all lines of business to insure production goals being reached and identified coaching opportunities for improvement.• Coaching improvement and accountability with Management Team• Change Management Leader with excellent engagement skill set.• Transparent Leadership

Us

Prepare Finacial Plans and consult clients looking to decrease debt, increase tax benefits, and lower rates for home, revolving & installment debt.Advise on underwriting issues and overcoming objections based on fact as opposed to perceptions.

• Acquiring State of OH License as a Mortgage Professional certified to originate Conventional, FHA, VA purchases, refinances and Reverse Mortgages.• Counseled clients on financial plans for refinancing and debt consolidation focusing on reduction of monthly payments, increasing tax savings, and life of loan savings by converting revolving and installment debt to tax deductible interest for mortgage loans.• Compilation of loan submissions based on lending matrices of over 50 investors and government insured agencies