Mortgage Origination of Conventional, FHA and VA Loans for purchase and refinance of 1-4 Family Residential Properties. Establish and maintain collaborative and productive relationships with Non-Profit Agencies, Community and Professional Organizations, Housing Counseling Agencies and Realtors to foster referral sources and to assist in creating greater homeownership opportunities for residents in the Philadelphia Metropolitan Area via Mortgage Products and Closing Cost Assistance Affiliations. • Prominent Member of Team (3) that commenced Fulton Mortgage Company's Residential Mortgage Origination Operations in the Philadelphia Region in 2017 and that established it as a notable CRA Lender.• Top Producer Award Recipient 2021 and 2022.• Member of internal team of individuals that were successful proponents of both financial and active support for selected Homeownership Advocacy Entities.• Recognized for Homebuyer Advocacy activities via facilitation and/or participation in Homebuyer Seminars and Forums with diverse For Profit and Non-Profit Organizations.

Daily Management of a customer pipeline that consists of Mortgagors who were 45 or more days delinquent. Assignments encompassed: Addressing and inciting Mortgagors' requests for Foreclosure Prevention Assistance. Presenting information about Investor (VA, FHA, Fannie Mae, USDA) potential remedies to cure delinquency and/or to avoid Foreclosure; Communicating, acquiring, reviewing and submitting documents required for application submission; Serving as a liaison between Mortgagors, Third Parties and Underwriting Team throughout the Review Process. Providing status updates of said files as warranted and ensuring all parties adherence to timeline requirements; Confirming Mortgagors' understanding and commitment to Foreclosure Prevention Program, when applicable; Foreclosure Referral when applicable• Inaugural Member of Foreclosure Prevention Team at Fort Washington location which commenced business operations in July 2015.•Recognized at Freedom Mortgage 2016 Leadership Conference for Customer Service Testimonials.•Mentor to Single Point of Contact Candidates•Amongst Team Leaders in facilitating Foreclosure Prevention Solutions 2015-2016•Team Player Award January 2017; Recognized for being a "Dedicated, Dependable, Motivated, Knowledgeable Team Player".

Daily management of a pipeline that consisted of approximately one hundred property owners. Provided Mortgagors with information about Foreclosure Prevention Options. Conferred with Homeowners to incite action as well to ensure accuracy and completion of Application Package. Assessed Mortgagors' data for housing affordability and program consideration; communicated Solution Assessment (i.e., Home Retention or Non-Retention) to Mortgagors, Mortgage Servicers and Internal Loss Mitigation Team. Served as a Liaison for all parties (i.e., Homeowners, Underwriters, and Third-Party Entities) with a vested interest in the foreclosure prevention outcome to ensure that all questions, issues and document requests addressed with expediency and preciseness. Reviewed weekly reports for file status, accuracy and to certify all participants’ adherence to timeline requirements; Updated and follow up as warranted. Ensured Servicers' review of Mortgagors’ Applications in compliance with Fannie Mae Program Guidelines. Confirmed Mortgagors’ understanding and commitment to Approved Foreclosure Prevention Program, Informed Homeowners of Non-Approval and imminent consequences.• Served on a team which assisted in reducing Fannie Mae’s Serious Delinquency Rate to 1.83% of Mortgage Portfolio as of February 2015. • Received 2014 Fannie Mae National Service Organization Award for Customer Service Excellence. • Recognized 2014 for Top Five Ranking in Foreclosure Prevention Solutions.• Selected as Co-Lead Counselor for 2014 Detroit My City Mod Project to address the city's mortgage delinquency crisis. Success of this pilot program prompted discussion of its expansion to other hard hit urban areas.• Contributed to Revision of Help Center's Follow up Solicitation to Non-Responsive Default Borrowers to increase Mortgagors’ engagement in foreclosure preventive measures.

Prominent Role in Educational outreach that contributed to financial empowerment of thousands of Philadelphia Vicinity Residents. Agency's programs influential in enabling Homeownership and enhancing Money Management Skills. Conducted face to face Counseling Sessions with individuals seeking information and/or assistance in the formation of a Plan of Action to address Mortgage and Credit Related Concerns; Sessions included Pre-Purchase and Pre-Closing Preparation; Mortgage Financing Options; Foreclosure Prevention Options; Credit Improvement & Budgeting.• Received Clarifi’s Core Value "Action Speaks Volume" Award 2013 for contributions to company’s mission of Financial Empowerment for our clientele and for a willingness to assist colleagues in their quest to meet Clarifi’s goals.• Commendation 2013 for Top Ten Ranking for Foreclosure Prevention Solutions amongst 80 Counselors from the Non-Profit Housing Agency Network assisting Fannie Mae Foreclosure efforts.• Commendations 2012 and 2013 for Most Customer Testimonials amongst 80 Counselors from the Non-Profit Housing Agency Network assisting Fannie Mae Foreclosure efforts.• Selected as Foreclosure Prevention Counselor (2012-2014) at Fannie Mae’s Philadelphia Mortgage Help Center; Part of a national network of Help Centers staffed by Non-Profit Housing Agency Personnel to assist Fannie Mae in addressing their delinquent mortgage accounts. Acknowledged for role in establishing Philadelphia Office as number one in Foreclosure Prevention Solutions in 2012 and 2013 amongst Non-Profit Housing Agency Network; results integral to a sustained decline in Fannie Mae’s delinquent accounts.

Counseled Homeowners challenged by Mortgage Default. Explained potential resolution options. Assisted with the completion and submission of the Application, as well as the compilation of supporting documents required by Mortgage Servicers. Served as a resource for State Programs which might remedy delinquent status. Additional support provided for individuals with accounts assigned to an attorney and who lacked familiarity with the rules of engagements that Foreclosure status imposed.• Authored written format for initial engagement with Mortgage Lenders and their respective Attorneys on behalf of Clients that were in default which was adopted by the Counseling Staff. Its application stimulated a significant increase in constructive dialogue which produced an increase in payment resolutions that were manageable and acceptable to both Lender and Borrower. The aforementioned prompted a surge in referral-based requests for our Services.• Designated by Director as AFI's Representative at Networking Events and Community Forums to advance our Agency's public profile, agenda and to foster partnership opportunities.

Identified and delivered Financial Solutions for Mortgage Applicants nationwide. Pre-qualified Applicants for Loan Products that included Conforming and Subprime Programs. Provided underwriting support to determine actual qualifications via the solicitation and review of all applicable Loan Documents. Trained in Desktop Underwriting. Ordered and conducted preliminary review of Title and Appraisal Reports. Point of Contact for Clients from initial inquiry through settlement or denial of loan request.• Selected by Vice President of Mortgage Origination Department as Charter Member of Customer Loan Center Focus Group. “Think Tank” for strategies to enhance Marketing, Production and Customer Service results.• Circle of Excellence Award (established 2003) 2005 and 2006 for quantitative and qualitative contributions to Mortgage Department.• Maintained a ranking in top ten percent of staff with regards to loan units and loan volume during tenure.