Implemented innovative analytical and lending solutions to drive better customer credit decisions and minimizing MFS Global's exposure. Underwriting, structure and document new and renewal term and revolving credit products for the SMB market. Responsible for identifying, gathering and analyzing relevant information to assess credit risk, determine sources of repayment, create appropriate loan structures, approve/decline the credit request and ensure compliance with applicable regulations, credit policy, credit procedures and the company’s credit philosophy in an effort to mitigate loss, delinquency and overall risk. ● Underwriting loans in accordance to company guidelines. ● Analyzed application data including financial statements, bank statements, credit card statements, business and personal credit reports. ● Conducting interviews with prospective clients. ● Responsible for determining credit worthiness and approval amounts.

In depth experience in the credit card industry, fraud prevention, risk exposure management. Underwriting merchant processing accounts and business loans.● Risk Management​ - Monitor daily, weekly and monthly transactions for thousands of merchants to mitigate and minimize risk. Analyze individual and batched transactions to determine risk level, determine whether to hold or release. Authorization for daily funds release allowed for up to $200K. Reviewing all reject and chargeback reports daily, weekly and monthly. Daily contact with other issuing banks. ● Underwriting​ - Analyze completed merchant application files to determine acceptable processing levels and funding parameters. Analysis determination based on individual and business credit reports, financial reporting and tax returns. Application files submitted for retail/brick & mortar and e-commerce merchants. Perform in depth investigation if file examination gives indications of potential fraud. Implementation of any new tools, procedures and/or policy for loss prevention ● Account Management​ - Experience working with all level employees in a variety of industries utilizing needs analysis and sound business judgment to sell, build relationships and manage accounts.

Underwriting and preparing closings for A to D paper mortgage loans (Mix-use, commercial, conventional (single and multi-family) and home equity Lines of Credit) under various loan programs in accordance with policies & procedures. Underwriting Correspondent Residential and Commercial mortgage loans as per Banks guidelines on daily basis.Managing pipeline of more than 60 loans. Registering loans with origination system and maintaining system accuracy. Issuing proper disclosures as required by federal regulatory compliance. Reviewing all documents thoroughly before submission. Reviewing rate lock and point objectives for accuracy. Performing Weekly meetings and training for Loan Officers and Processors.

Results-oriented leader with proven success in managing multimillion-dollar mortgage, home equity, and consumer lending product operations. Background includes achieving profitability within eight months of operation, six months ahead of plan, at United Mortgage Agency with leading technology and product offerings and innovative expense management. Critical thinker and adept negotiator who can apply extensive knowledge of industry to rapid revenue & profit growth opportunities. Expertly direct resources, technology and expenses. Handling pipeline of more than eighty loans. Trained Loan Officers on daily basis.

Processing Loans for a group of Loan Officers. Handling pipeline of more then sixty Loans. Responsible for collecting and clearing conditions. Ordering Flood Insurance, Performing VOR, VOE, VOM on daily basis. Extensive experience with DU and DO. Responsibilities Included: Review of a Title, scheduling closings, follow up with Clients Post Closing. Other responsibilities included help structuring Deal with Loan Officers, Manage Department of Home Equity.

Handling pipeline of more than hundred and fifty loans. Extensive Experience with Wholesale environment of Mortgage Lending Industry. Responsibilities included: Clearing loans for fifteen Brokers. Work closely with all department involved, Closing Departments and Attorneys. Utilizing DU, DO, LP on daily basis. In 2003 Earned Excellence Award, successfully became a quality fair lending WAMU Ambassador.

Managed and Supervised Home Equity Department, where every line of credit was processed and closed under my supervision. Evaluating borrowers for mortgage programs. Making sure that all conditions and necessary documents are in file. Worked with mortgage processing software on daily basis. Helping other loan officers with loan structuring. Held weekly meetings for new loan officers on mortgage origination. Follow up with borrowers post closing.

WSG Systems Corp. / Sr. Software Engineer. / Team Leader. September 2001 Participate in design and development of the Empire Time System. The system was designed to help our clients better and more efficiently track Time and Resources in organizations, accounting activities, financial responsibilities. Responsible for development of customized applications tailored towards specific client requirements utilizing VB, Crystal Reports, SQL, Sybase and other leading development tools. Work as both a technical and business analyst interacting with Business Units to determine needed requirements functionality. ● Develop custom Active X dll’s for financial and accounting reports used by Empire Time. ● Create​ ​numerous​ ​accounting​ ​reports​ ​and​ ​invoices: ​Borrow / Lend​, ​License​, Maintenance​, etc. utilizing ​Crystal Reports v 7/8​. ● Back End development of stored procedures, tables, indexes, rules on SQL and Sybase

Participated in design and development of the Bids System. The system was designed to create a fast and flexible Bid preparation system where users can quickly create profitable and competitive bids for customers. A tool to allow inclusion of multiple products, with flexible pricing and cost / profit analysis which change in real time as sales staff enter new pricing criterion. Printing of completed bids and library maintenance of existing bids. The front-end was developed using VB 5.0 accessing date stored in SQL Server 6.5 Responsibilities Included: ● Program development, Units Test. ● Development of T SQL stored procedures, analyzing them for optimal performance. ● Design and development of various programming modules, such as ​The Bid Searching​ and ​Processing Facility​, ​The Specialty Screen​, ​The Grouping Facility​.