Operations Manager of First Mortgage branch. Handle pipeline containing Conventional, FHA, VA, USDA and DPA loans. Support team of Set up, Processors and Sales for all incoming volume and manage loans through to underwriting and funding. Selected Accomplishments: Consistently meet established close of escrow dates Average monthly volume funded of $10-$12 million Facilitate relationship between local operations team and regional center Monitor and maintain interaction between sales, operations and third party vendors

Managed department of underwriters responsible for decisions on home equity loans and home equity lines of credit. Developed strong partnerships with processing department and sales partners from different divisions over several states to meet sales projections and turn time expectations.Selected Accomplishments: Developed team of newly hired underwriters through transition from one origination channel and methodology to another Managed staff of 10-12 full time loan underwriters  Drove service level agreements to regularly close loans in 25 days or less Monitored existing pipelines to ensure compliance with internal and regulatory policy, along with procedural and quality adherence Provided second level review on decisions and exception requests Delivered presentations to various sales partners across the organization regarding the roles of the underwriters and expected performance levels of the team Maintained personal underwriting authority up to $500,000

Managed department responsible for consumer, indirect, and home equity loan and line of credit products and features inc post-closing loan servicing and budget management. Made recommendations for change and implemented products and processes to create efficiencies, and increase sales. Built successful partnerships with branches, risk management, training and compliance to achieve balance in loan decision making and execution while protecting the integrity of the credit union loan portfolio.Accomplishments: Manage staff of 25-30 full time employees, including loan processors, funders, servicing representatives and MVD certified titles area Project Sponsor and involved team member responsible for development, testing, training and implementation of core Loan Originating System (CRIF ACTion)  Developed and implemented revised loan product billing statements delivered electronically and via mail for members, to save money and enhance the member experience Lending rep on internal Compliance Task Force Committee, created to monitor and implement changes required by regulatory agencies and the NCU. Attended and presented as HE lending expert at CRIF Annual Users Conference in New Orleans, LA Built strong partnerships across organization to support rollout of new ancillary products Sr Director, Home Equity and Specialized Lending Department Accomplishments: Managed staff of 12-15 underwriters, processors and closers Implemented new Loan Origination System in 2003 and continued as System Administrator for that system Developed and implemented unique lending product to assist consumers who lacked traditional credit history Provided guidance and leadership Employee Loan Orginators Managed department through highest Home Equity loan volume years in Credit Union’s history, peaking at a volume of $97 million dollars funded in one month Created and managed the credit union’s first loan call center and first mortgage loan officers

Operations Manager, Team Leader, 1996 -1999Selected Accomplishments: Managed staff of 10-12 First Mortgage processors, underwriters and closers Managed daily production (including conventional, government, and new construction loans) to closing for the top performing Phoenix and Tucson sales offices Trained and educated staff on new and existing bank policies and procedures Responded to any customer inquiries or complaints Also held positions as in-house loan officer and processor