As a Mortgage Underwriter, I take pride in ensuring the accuracy and integrity of loan evaluations, whether they're performing or non-performing, pre- or post-funding. My role involves conducting thorough quality control reviews to identify any misrepresentations, omissions, inaccuracies, or red flags, while adhering to our client's guidelines. I meticulously review credit, income, financial statements, and asset documentation for our clients, meticulously following qualification criteria for both wage-earner and self-employed borrowers per client/investor guidelines.Key accomplishments:★ Re-underwrote 6,800+ performing and non-performing loans, ensuring adherence to underwriting guidelines, leading to a 15% reduction in errors.★ Executed 50+ compliance projects, analyzing credit, disclosure, and settlement documents, which improved the accuracy of 500+ loan files by 20%.★ Reviewed and approved a portfolio of diverse loan types, including Conventional, Non-QM, DSCR, Fix & Flip, FHA & VA, ensuring compliance and reducing underwriting time by 12%.

As a Frontline Mortgage Underwriter, I specialize in meticulously reviewing loans to ensure they meet risk analysis standards and comply with agency and investor guidelines. With a comprehensive understanding of various loan types including Jumbo, Non-QM, DSCR, Fix & Flip, FNMA/FHMLC loans, I approach each file with precision and expertise.Key accomplishments:★ Analyzed 200+ loan files for repayment capacity, capital/assets, character, collateral, and property conditions, adhering to strict investor/agency guidelines, reducing loan approval time by 15%.★ Applied deep knowledge of mortgage underwriting to streamline processes, cutting down processing time by 10% and improving approval accuracy.★ Performed comprehensive credit and income analysis, including risk assessment, LTV, and DTI ratios, for over 150 loans, increasing compliance by 20% and reducing rejection rates.★ Evaluated 100+ credit applications, identifying 5 cases of potential fraud, which improved loan file accuracy by 18%, and provided detailed feedback to Processors and Originators, enhancing file quality.

As a Frontline Underwriter, I was dedicated to ensuring that residential mortgage files met the exacting standards of USAA policies and guidelines, tailored to the esteemed expectations of our military members, all while maintaining a keen eye on pricing. Communication was key, as I liaised with all parties involved, ensuring timely determinations on each file within allocated timeframes. Leveraging the power of Desktop Underwriter, I expertly underwrote both Conventional and VA loans, serving as a vital link between processing and closing/funding departments. Key accomplishments:★ Authorized to approve loans up to $636,100, which expedited decision-making processes, reducing approval time by 20% for military member loans.★ Processed and underwrote 30+ mortgage files per week, consistently meeting the 24-hour turnaround time, increasing processing efficiency by 25%.★ Achieved top performance metrics: SLO of 85.23%, Suspends at 6.52%, and First Pass CTC at 88.57%, maintaining a perfect score in Material and General Deficiencies, which enhanced department efficiency and reduced processing errors.

Working within the confines of this prestigious estate, every day brought new challenges and rewards. From managing the intricacies of daily operations to ensuring the highest standards of hospitality, the role demanded both precision and creativity. Collaborating closely with the family, I had the privilege of contributing to their lifestyle in meaningful ways, ensuring that every detail was executed flawlessly.Key accomplishments:★ Streamlined Estate Operations: by implementing new workflows, which improved efficiency by 15% and reduced operational costs by 10%.★ Elevated Service Standards: Developed and implemented training programs that raised service standards by 20%, leading to improved client satisfaction and enhanced estate management services.★ Strategic Project Management: Managed 3+ high-profile projects and events with budgets exceeding $500,000, ensuring flawless execution and a 100% client satisfaction rate.

Responsible for sourcing, qualifying, presenting offers on commercial properties to the owners and their representative’s. Including industrial, retail, multi-family and specialty properties. Maintained all relative information and documents on properties being sold. Collaborating with real estate brokers, Acted as liaison between the sellers and the charity.Key accomplishments:★ Presented Offers Totaling over $200 Million Plus: For industrial, retail, and multi-family properties, successfully securing 10 high-value opportunities, enhancing portfolio growth.★ Closed Deals on Over $10 Million + in Commercial Real Estate: By leading due diligence processes and employing strategic negotiations, increasing the organization’s asset base by 15%★ Acted as Primary Liaison Between Sellers and a Non-Profit: Successfully fostering relationships that led to a 30% increase in acquisition opportunities and ensured smooth transactions.