• Formerly United Guaranty Mortgage Insurance Company until Jan 1, 2017 when Arch MI purchased UGMIC from AIG. • Maintain a working knowledge of and ability to analyze credit reports, income documentation, assets, liabilities, property appraisals, and title reports, to insure loans meet company standards for sale into secondary market.• Required to have a current knowledge of FNMA/FHLMC guidelines, standards, and practices along with internal overlays.• Delivering outstanding customer service by effectively communicating guidelines, answering scenarios, and updating loan information for both internal and external customers.• Meeting and regularly exceeding the minimum daily production goals while following company policies, processes, and procedures.• Became the first and only employee in the company’s history to receive a #1 rating for two consecutive years through United Guaranty’s Employee Performance Rating system. • Lead the team in the absence of the manager in order to continue the team’s ability to get answers back to customers regarding guidelines and scenarios in under the allotted response times set by management.• Collaborated activities between customers, Imaging, Registration, and Underwriting on a daily basis to get files in need of special attention completed in a rush situation. • Engaged with lenders, borrowers, and peers every day to guarantee turns times on applications were being met and any issues with a file were being handling accordingly and accurately. • Very adaptive to change in processes, technology, and guidelines with my goal of quickly and fully understanding these challenges in order to communicate them to other employees who required more leadership and guidance in the situation.• Proficient in the use of Encompass, AS400, Sharepoint, Microsoft Office, and Outlook.

• Communicate and interact with real estate brokers all across the country in the disposition of foreclosed assets.• Manage a portfolio of 300+ real estate assets within company and client guidelines to liquidate properties at the highest value in a timely manner. • Prepare and maintain a well-documented chronicle of events and actions pertaining to the disposition of the asset.• Complete the listing process for all new REO properties (review valuations, appraisals/BPOs, comps, etc.), while evaluating properties for repair, obtain bids and contract vendors. • Originate and follow a successful marketing strategy which is the most timely and profitable for the investors• Communicate effectively with agents on securing the property, completing trash-out steps and any other issues with regards to property as well as confirm our marketing strategy.• Review and sign purchase contracts as well as obtain any necessary addendums/amendments.

• Working in conjunction with the Account Executive in building broker relationships and issuing loan commitments while acting as a liaison between the client and underwriting within the wholesale division.• Providing quality loans for the company by underwriting and evaluating residential mortgage applications originated by the company's branch offices.• Active role in training all new Account Executives the guidelines and program requirements in order to make a quality loan.• Responsible for reviewing and rendering credit decisions, within approval authority, that would benefit the customer while adhering to investor guidelines.

• Responsible for making sound credit evaluations in a fast paced environment while maintaining excellent customer service.• Averaged at least 7 file underwritten per day on a consistent monthly basis.• Shown the ability to underwrite residential mortgage loans, SFR to Multi-unit properties, along with variety of different loan programs within the Sub-Prime industry.• Assisted in detecting possible mortgage fraud, as well as utilizing internal fraud detection.• Delegated as the Underwriter Team Lead in the absence of the actual Team Lead. • Possess strong analytical and problem-solving skills with the ability to underwrite loans weighing risk for reward. • Ability to interpret and distinguish between an appraisal that is true to its estimate versus being stretched in order to create a false value.