Led and developed a high-performance team that provided in-depth expertise on subject matter income to include multiple self-employed businesses and all alternative income sources.Examined and audited complex loan scenarios to determine the eligibility of loan exceptions, which resulted in reducing nonessential exceptions by 20%Identified opportunities for development and improvement in the team functions which improved process flow of reviews from 1 to 4 a day.Made decisions and resolved issues related to business operations under the direction of the Senior Management.Mentored and guided the talent development of direct reports and assisted in hiring talent.Collaborated and helped implement policies and procedures for the business line which resulted in better process efficiencies and consistencies nationally.Implemented and monitored tracking and performance mechanisms to ensure the team is meeting company service level agreements which resulted in work being completed on time and accurately.Maintained company standards while working remotely with no interruption to our quality and service levels.Analyzed and recommended credit decisions on loans that exceed the parameters of assigned staff lending limits.

Directly managed up to 40 senior underwriters and other employees in a complex, fast paced environment. Directly mentor mortgage underwriters through weekly one on ones to assist in identifying and evaluating risk areas across our business lines. In charge of developing and delivering all performance plans to include terminations.Review and help structure loans with our sales partners to ensure we are meeting credit risk guidelines and providing excellent options and customer service to our borrowers.Led and mentored team to the highest quality in the site.Develop and cultivate professional relationships with sales, processing, closing and all our support PC’s.Develop and train all current state and federal banking laws to my employees and following up to ensure they are compliant.Working knowledge and understanding of mortgage loan operations in a high volume environment. Focused on increasing loyalty- maintaining quality-2017 had highest quality in the site all while trying to maintain profitability. Track and monitor operating credit risk by evaluating the underwriters Scorecards. Investigate root causes, trends and develop a strategic plan for remediation and implement it with the employee.Coordinate with Senior Management in performing operational risk reviews by reviewing credit risks evaluations, compiling the data and initiating change to improve our quality and loyalty results.Was in the top 20% of my company for team member engagement. Received 4.7 out of 5.00 approval rating.Experience managing Senior Underwriters and multiple levels of employees.Maintained the highest retention rate for employees out of all my peers.Keep abreast of latest credit guidelines to train all underwriters and keep them up to date on all changes. Ran credit workshops with our underwriters and sales team to improve common error trends to increase our loyalty and quality on the underwriting and sales side.

Developed and established a comprehensive mortgage banking branch in a market to establish a company presence.Implemented and monitored key performance indicators (KPIs) for operations, leading to improved efficiency and cost savings. Streamlined policy and procedures, resulting in an increase in accuracy and efficiencies and a decrease of compliance errors.Changed the organizational environment by writing and implementing guidelines and policy changes, which resulted in complying with lending regulatory requirements.Collaborated with multiple institutions to track any misrepresentation of a customer’s personal information that resulted in financial crimes.

Managed a full mortgage branch to include: Underwriters, Processors, Closers and Sales Staff.Oversaw daily mortgage operations, conducted training and file audits for sales and fulfillment.Worked with employees on benefits, payroll and all Human Resource needs.Reviewed, trained and stayed compliant with all state and federal banking regulations.Reviewed and processed all budgets, profit and losses, and accounts payable for my branch.Counseled employees on their performance and set up all actionable issues to include termination.Put together projects to ensure the quality of our loans meeting company standards.Responsible for every employee’s production and compliance to company guidelines and procedures.Maintained underwriting authority and 2nd level review authority up to a million dollars.Automated underwriting systems including: Clout/Clues and DU/LP

Responsible for opening and managing a mortgage banking branch. Recruited and hired all staff positions to include: Receptionist, Processors, Underwriters, Closers and all Sales Staff.Oversaw daily mortgage operations, conducted training and file audits for sales and fulfillment.Worked with employees on benefits, payroll and all Human Resource needs.Reviewed, trained and stayed compliant with all state and federal banking regulations.Reviewed and processed all budgets, profit and losses, and accounts payable for my branch.Counseled employees on their performance and set up all actionable issues to include termination.Put together projects to ensure the quality of our loans meeting company standards.Responsible for every employee’s production and compliance to company guidelines and procedures.Maintained underwriting authority and 2nd level review authority up to a million dollars.Automated underwriting systems including: Clout/Clues, DU/LP and Indy Mac Bank Proprietary programs.