James Guzman Email and Phone Number

• Lead operations manager for the New York, New Jersey and Connecticut region• Manage a processing and underwriting staff of fifteen employees to ensure production goals and underwriting standards are met• Effectively negotiate terms and conditions with mortgage Brokers/Bankers• Responsible for a pipeline of $150 million and have been recognized as the most profitable team in the production center.• Responsible for achieving and underwriting goals on a monthly and quarterly basis• Develop and maintained relationships with brokers and account executives to close loans• Mentor, train and hire staff• Primary contact for corporate office in preparing for and responding to compliance audits • Accomplished metrics of funding in excess of 300 units a month, exceeding $40 million dollars monthly, while maintaining 24 hour turn time for files in underwriting

• Supervised a staff of six underwriters managing daily workflows• Primary contact for appraisal review questions, matrix rate sheet grading and loan pricing• Managed daily submissions of 30+ files per day• Perform in-depth credit analysis, appraisal review, investigation of 1003 submission forms for accuracy, employment verifications, title review, calculate income documentation (Pay stub, W2, 1040’s, 1120’s, K1’s and bank statements) and conditioning files for additional documentation needed• Obtained Compliance training Certifications in: Truth in Lending (Regulation Z), Sarbanes-Oxley, Suspicious Activity Reporting, Ethics, Equal Credit Opportunity Act and Office of Foreign Assets control• Underwrite loan amounts up to $750,000 within my delegated authority and recognized by center management as Top underwriter averaging 8 loans per day• Completed emerging manager training program focusing on a variety of techniques in preparation for future managerial roles