Assists citizens of Duval County and Florida in the processing and receipt of revenue payments and the processing and issuance of motor vehicle and vessel registrations and titles.

Ensured strict adherence to internal, agency, and investor guidelines while reviewing residential mortgage loan applications.● Recognized by executive management and promoted to Jumbo AUS UW within a year based on performance.● Headed complete lifecycle of resubmissions from inception to completion. ● Increased understanding of business objectives in liaison with management and salesforce.

Performed detailed assessment while reviewing residential mortgage loan applications. Adhered to internal, agency, and correspondent lender guidelines. Ensured fidelity with underwriting principles and Fair Lending maxims. Led end-to-end facets of approving conforming mortgage loan application files with high degree accuracy. Analyzed portfolio, jumbo, and FHA loans before submitting to loan committee/correspondent lender for approval. Obtained DE.● Commended for achieving and maintaining zero defect rate continuously 13 months.● Grew and strengthened pipeline of underwritten files with over 50% of production maintained. ● Enabled sound decision making through daily email on production statuses, goals, and metrics.● Achieved all assigned goals within tight deadlines.

Ensured processing of mortgage loan files in alignment and conformity with prescribed goals, metrics, quality, and compliance requirements and guidelines. Delivered training programs to new hires, enhancing confidence across fast-paced environment. Identified and resolved all basic and complex problems with minimum turnaround time.● Increased morale of subordinates through team building activities. ● Won customer success by providing exceptional services. ● Increased professional skills of team members by providing training and coaching sessions. ● Nurtured relationships with sales partners to grow and strengthen application pipeline.● Achieved team goal of 85% of loans closed within designated time without any delay.

Conducted data-driven audit review for closed mortgage loan files with full accountability and responsibility. Ensured adherence to agency, state, and lender guidelines. Scrutinized TIL/APR, RESPA, settlement statement, and disclosures for accuracy. Validated all facets of conforming, non-conforming, and rural housing program loans. ● Accomplished and aced FNMA Appraisal and Fraud certification courses within designated timeline.

Drove end-to-end processing, underwriting, and closing of retail mortgage loans in line with Bank of America's policies, procedures, and guidelines for Platinum Level loan officers and clients. Ensured high quality standards by performing loan quality initiative audit reviews. ● Recognized for performance and assigned to top producers “Platinum Loan Level officers” country-wide.● Increased engagement of associates by providing coaching programs.

Supervised and managed 20-25 internal underwriters on matters of credit risk evaluation and credit documentation review. Handled operational management duties that related to human resources (disciplinary action, performance reviews), auditing, training, staffing, and production management and assignment; the results of daily management were communicated with senior management.*Worked with both credit risk and sales force team members towards attainment and achievement of mutual goals that included quality customer care and approval and closing of saleable loans leading to the awarding of J.D. Powers Award ranking highest in customer sales satisfaction in 2005.*Empowered by senior management to exercise business decision and exception authority due to level of autonomy to promote customer service.*Acted as subject matter expert and trainer on use of internal loan origination systems and loan programs.*Provided primary support for off-site underwriting groups.

Supervised underwriting department staff consisting of underwriters, credit analysts, processors and support personnel. Provided training and support in all matters related to credit risk management, staffing, and production management. Worked and communicated closely with fellow team leaders, customer service, and senior management towards goal of maintaining and exceeding customer service level agreements. During tenure as team leader, InterFirst was the 14th largest wholesale lender and in 2004, closed and funded $14 billion in loans in just one month. *Member of production development team for new products including closed end seconds and construction lending. Drafted user manuals for internal loan origination systems and loan programs.*Represented underwriting department on process revision group team resulting in decrease of new product to market time by almost 30%.*Spearheaded personal effort to increase cooperation and communication between underwriting and customer service groups by initiating weekly group meetings of Team Leaders from each department.*Maintained strong commitment to working closely with sales force and account executives to identify opportunities for training and process revision.*Represented underwriting department on the management team responsible for drafting of policies, procedures and controls in support of compliance with requirements of Sarbanes-Oxley Act.*Represented underwriting department on the second-look committee charged with providing second signatures for declines and jumbo loans.

Underwrote conforming, portfolio, and jumbo loan files in accordance with acceptable secondary market and agency guidelines as well as internal corporate policies.*Communicated loan file decisions and loan issues with brokers, account executives, management, and internal support staff to ensure successful loan closing.*Clarified guidelines for brokers and account executives. In addition sought second level review or exception when warranted.