 Consistently provided high-level customer service by conducting thorough analyses of risk and compliance within the company and adapted to individual client needs and expectations. Analyzed and spread corporate and personal financial statements, tax returns, and financial projections. Delivered detailed credit memorandums, illustrating a dedication to transparency and excellent customer service by facilitating understanding of complex financial information for clients including: credit worthiness, loan structure, cash flow analysis, financial spreads, risk rating, key financial ratios and collateral review.  Developed strong professional relationships through effective communication and collaboration with team members, leading to more efficient problem resolution processes.  Prepare comprehensive underwriting analysis and rationale of all third party documentation, including but not limited to, credit, title, Data Verify, property valuations and appraisals.  Acted as a primary point of contact for clients’ loan queries, demonstrating an outstanding ability to interpret guidelines and provide situation-specific advice, thus enhancing customer experience.  In charge of and designated bank statement income underwriter for the entire wholesale underwriting department.