•Performed First mortgage post funding loan examinations in an attempt to uncover potential fraud / misrepresentation in files as well as compliance with FNMA, FHLMC and Investor program guidelines.•Summarize results of financial analysis, note compliance deficiencies in policy, documentation or variances from investor guidelines in a detail report submitted to the client for use in remediation efforts. Experience with LexisNexis, Corelogic, FraudGUARD. •Quality of review and comprehensive data summarization have been noted as strengths.

• Rendered credit decisions on first mortgage applications utilizing FNMA, FHLMC and Investor program guidelines across multistate regions. • Leveraged knowledge of credit scoring and layering of risk to create tailored solutions while maintaining portfolio quality and processing productivity. • Experienced with DU and LP AUS systems. Third party Investor guidelines and Manual underwrites. HARP, HAMP modification review and decisioning.

Risk Wholesale Credit Officer • Utilized exception authority to decision over 500 new Wholesale Broker applications annually; based on assessment of business financial statements, credit reports, MARI reports and FHA broker performance.• Managed broker portfolio performance for over 1,500 brokers within CitiMortgage portfolio noting performance deficiencies and recommended solutions. • Consistently recognized for dedication to customer service, quick turn-around times and clear insight regarding complex scenarios and exception approvals when warranted.• Achieved outstanding quality rating regarding need for follow-up and incomplete applications. Exceeded department quality average by 18.1%.First Mortgage Broker Underwriter and Sr. Second Mtg. Broker Underwriter • Underwrote first mortgage Broker/Wholesale mortgages with $500,000 signing authority and $1 million second-signing authority • Second mortgage underwriting third party originated combo HELOC and FRHEL Sr. Credit Underwriter, Call Center / Fraud Specialist• Rendered credit decisions on Coop and Condo HELOC and FRHEL loan applications. • Trained call center underwriting staff to review loan requests and rendered preliminary credit and income decisions while escalating suspicious applications to Fraud Group.

•Managed Home Equity underwriting department while absorbing unprecedented volume increases with no disruption in customer delivery. Underwrote HELOC / consumer charge cards. •Responsible for sourcing, training and coaching department staff while simultaneously solving customer inquiries and exception underwriting escalation requests.

• Sourced Residential, Commercial and Retail customers resulting in $3 million loan portfolio.• Managed ongoing loan portfolio performance above bank averages and collection of debts.