Oversee the processing, underwriting, and closing of all first mortgage and home equity loans. Implement and supervise construction administration for the bank’s new single-close construction program.Provide risk assessments and approval recommendations to executive management for portfolio loans. Interpret and disseminate secondary market updates and regulatory changes to staff and executive management. Improve operations to maximize efficiency and reduce processing turn times. Train staff on topics such as income analysis, appraisal analysis, and disclosure requirements.Manage the bank’s quality control plan to align with regulatory and secondary market guidelines, as well as respond to audit requests and findings. Experience with Fannie Mae and Federal Home Loan Bank

Underwrite an average of $6.5M monthly in conventional, government, and portfolio loans, with a focus on custom home construction Income subject matter expert, experience in calculating complex self-employment income with multiple income streams. Maintain underwriting review time of less than 24 hours. Experience with Freddie Mac, FHA, USDA, FHLB, and HUD guidelines

Underwriter, focusing on conventional and construction mortgage lending, with experience in portfolio and jumbo loans. Reduced processing turn times by implementing a documentation preview protocol for sales staff. Assisted Executive Team to customize paperless loan origination system. Instituted procedural changes that resulted in reduction in turn time and increase in customer satisfaction. Designed procedures to respond to TRID requirements while maintaining customer satisfaction ratings of 95-97%. Experience with Fannie Mae and FHLB

Assigned potential borrowers to sales staff with initial contact in less than 24 hours. Took on all appraisal, title and transcript ordering duties in addition to other job duties to maximize department efficiency. Maximized sales staff efficiency by fielding general borrower inquiries. Instituted withdrawal/denial tracking to maintain HMDA compliance