Delivered captivating product presentations showcasing Vintrendi wines to potential customers, distributing product samples and promotional materials to drive brand awareness and cultivate customer loyalty.Engaged with consumers by providing expert guidance, addressing inquiries, and enriching their tasting experience through detailed product knowledge.

 Responsible for the data integrity and underwriting of closed Jumbo, Non-QM and agency loans. Determined the integrity of the income used to quality the borrower through analyzing personal and business statements such as personal and business tax returns in addition to asset statements in order to determine the borrower’s qualifying income.  Demonstrated the ability to effectively research and accurately interpret lending regulations to ensure loans and documentation adhered to all TRID, Regulations B, X and Z, FCRA, flood insurance rules, and S.A.F.E. Act Requirements. In addition to identify compliance deficiencies or violations, and provide appropriate, targeted solutions and meaningful recommendations.

 Performed underwriting of Jumbo, and agency loans mortgage loans ensuring compliance with appropriate company, agency and non agency overlays  Performed an analysis of the borrower and business historical and year to date financial statements such as personal and business tax returns ,personal and business asset statements in addition to REO cash flow and debt to asset analysis. Evaluated and ensured overall loan documents are accurate, complete, and compliant Cleared red flags and alerts and updated the file as required. Issued loan decision and approval conditions as required by the investor and conditioned file as necessary Proficient with 12 month bank statement, DSR programs and asset depletion

 Responsible for the data entry and underwriting of closed Jumbo, Non-QM and agency loans. Cash-flowed and calculated the borrower’s income as required by analyzing the borrowers personal and business tax returns in addition to asset statements in order to determine the borrower’s qualifying income. Maintain up to date notes on the files as required to support the underwriting decision, changes in eligibility, and compensating factors.  Ensured all TRID time frame requirements have been met as dictated by the CFPB. Evaluated the initial and re-disclosed loan estimates to ensure proper adherence to requirements outlined by the CFPB; Determined if the change of circumstance forms reflect a valid reason; Completed a review of the initial and re-disclosed closing disclosures to validate all CFPB requirements have been met; Reviewed Compliance ease and or Mavent reports to identify errors regarding the loan estimate and the closing disclosure tolerances. Analyzed of all required federal and state documentation for completeness and accuracy; and were provided within required time frames. Documented all findings with detailed exceptions and an explanation for compliance failures

• Review the Settlement Service Provider List (SSPL) to ensure CFPB requirements have been met;• Evaluate the initial and re-disclosed loan estimates to ensure proper adherence to requirements outlined by the CFPB;• Determine if the change of circumstance form(s) reflect an acceptable reason; Completes a review of the initial and re-disclosed closing disclosures to validate all CFPB requirements have been met;• Ensure all TRID time frame requirements have been met as dictated by the CFPB;• Reviews the Compliance ease and seller Mavent report to identify errors regarding the loan estimate and the closing disclosure;• Analized of all required federal and state documentation for completeness and accuracy; and were provided within required time frames;• Document all findings, record the results of each audit, and make recommendations to management regarding conditions

• Performed forensic loan reviews to ensure compliance with policies and procedures as well as investor guidelines• Detected, prevent, and raise red flags when identifying loans associated with fraud or misrepresentation• Prepared conclusions based on research explaining the reason for the default and provided supporting documentation i.e. reverification of employment, servicing comments, online searches and post funding credit reports for presentation to legal representatives when preparing cases for repurchase or investor rebuttals

• Underwrote correspondent conventional and jumbo loans according toFannie Mae Freddie Mac and correspondent investor overlays• Was responsible for making accurate and prudent decisions in granting loan requests within specified limits, demonstrated the ability to analyize credit risk . • Resourcefully seeked alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated• Evaluated the credit risk, exposure and repayment abilities of self employed borrowers, ensuring compliance with applicable seller guidelines and acceptable lender risk• Researched, and analyzed 1040,1065 and 1120s business returns as it relates the the borrowers to personal, commercial, and real estate entities to determine the borrowers monthly cash flow and the stability of an entity• Assisted correspondents/other department personnel in interpreting underwriting guideline changes.Assist correspondents/other underwriting personnel in analyzing complex mortgage and complex self-employed borrowers.Corresponded with Mortgage Insurance (MI) companies regarding loan approvals, securing required information, and clarifying Investor guidelines

• Approved acceptable loans within delegated credit approval authority Performed detailed pre-funding and pre-close underwriting analyses on all conforming, non-conforming, loans for credit, fraud, appraisal review, data/documentation deficiencies related to marketability and compliance with Investor guidelines. • Provided assistance and direction to correspondents/other department personnel on issues regarding Chase, Federal Home Loan Mortgage Corporation (FHLMC), Federal National Mortgage Association (FNMA).Request additional information, documentation and/or development from correspondents to ensure all loans underwritten and purchased meet investor guidelines.Performed post-purchase credit and property reviews on loans purchased from correspondents with delegated underwriting authority..• Reviewed full doc and HARP loans for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.• Evaluated debt ratio,loan-to-value ratios, credit score, property valuation and various other factors. Determined and documented loan conditions and communicating requirements and/or decisions.

• Responsible for underwriting and evaluating credit requests for Morgan Stanleys private bank real estate credit exposures.• Partnered with bankers and relationship managers, Financial analyst and the Vice President of Wealth Management in structuring complex deals in order to satisfy the unique needs of they’re clients• Researches and analyzes pertinent financial statements of individuals, businesses, and other entities. ie trust, personal and business tax return in order to evaluate the business entitys stabilityand creditworthiness

Forensic Underwriter• Resourcefully performed in-depth default and REO reviews for investors to determine adherence to guidelines in place at close and determine authenticity of documentation and whether prudent underwriting decisions were made• Prepared conclusions based on research explaining the reason for the default and provided supporting documentation i.e. reverification of employment, servicing comments, online searches and post funding credit reports for presentation to legal representatives when preparing cases for repurchase or investor rebuttals

Underwriting assistant at Wells Fargo Bank- Government Team

Due dilligence underwriter

Compliance underwriter

Contract due dilligence underwriter

Due dilligence and compliance underwriter

Contract Mortgage professional at Washington Mutual

Process orders for Ricoh fax machines and printers. Ensure accurate shipping and billing