Work with broker direct loans to provide credit analysis on conventional and FHA loans utilizing Encompass, DU, LP and FHA Connection.

Post-Closing Associate (REMOTE) – Selected by senior management to be a part of a new team developed to convert uninsurable loans and increase profitability to the company by solving for errors, completing internal quality reviews and working closely with internal and external customer.• Contributed to major increase in profitability to the company within six months of inception• Successfully partnered with management to identify procedural changes to help eliminate future deficiencies• Mentored government credit analysts by completing internal quality reviews and coaching for successCredit Analyst (REMOTE) – DE Underwriter responsible for reviewing purchase and refinance credit applications in order to make risk-based decisions within established SLA timeframes. • Met established production and quality goals consistently • Received Kentucky Certification enabling me to underwriter loans for properties located in the state• Selected by senior leadership to troubleshoot and correct loans held up for qualifying income issues

Mortgage Underwriter (REMOTE) – DE Underwriter responsible for reviewing purchase and refinance credit applications as well as FHA Reno loans• Partnered with Sales Team to meet and exceed closed production goals for two quarters consecutively• Maintained a pipeline of multi-state loans and NY CEMA specialty loans

Billing Specialist (Wilmington, NC) – Responsible for reviewing water meter reading reports for occupants of New Hanover County in order to ensure accuracy, address potential equipment issues, request work orders and ensure bills were generated on time• Served as SME on new billing system and assisted with training veteran Billing Specialist• Successfully communicated verbally and in writing with Meter Readers and customers to resolve billing concerns• Selected by senior management to take position of back up Administrative Assistant processing payroll for the company, completing purchase orders, purchase requisitions and managing the monthly and end-of-year budget duties

• Work independently to analyze mortgage loan applications to assess risk to the company and benefit to the customer while meeting investor requirements• Selected by senior leaders to participate in special projects working with processors and loan officers to manage the pipeline and improve conversions

• Selected by senior leadership to lead transition from Wachovia to Wells Fargo by identifying system requirements, developing new procedures, and implementing training solutions to best meet organizational needs and serve high profile clients • Hired, coached, and promoted team members. Made decisions relative to performance reviews, salary changes, and disciplinary actions • Led #1 top team in customer service ratings in the Wilmington site by continually motivating individuals to exceed established goals • Developed and implemented a closing pilot for the Wilmington site to increase efficiency, eliminate errors, and reduce financial loss to the company• Resolved customer escalations by effectively addressing concerns and providing recovery • Analyzed reports and forecasted monthly projections to facilitate team workflow and identify potential revenue losses to the company• Formulated work procedures, policies and methods to ensure compliance with company and federal policies • Led team meetings to deliver training, communicate updated policies/procedures, and provide performance updates

• Managed the activities and operations of a team dedicated to the fulfillment of loans for high profile clients• Led the relocation line of business to exceed volume goals two years consecutively; 104% in 2008 and 102% in 2007 • Developed new process to streamline customer mortgage process • Created and implemented customer service contests and campaigns to fulfill client contracts by increasing focus on customer service delivery standards

• Reviewed, analyzed, and approved individual customer applications and appraisals to meet guidelines• Determined customers marketability and acceptability within strict timelines, mitigating both company and investor risk• Developed long-term collaborative relationships with sales representatives and investors by communicating effectively and consistently

• Responsible for supervising a team of processors and assisted with underwriting basic loans• Successfully processed loans involving high profile customers to exceed customer service goals and retain valued clients• Trusted by management to maintain confidential and sensitive data, upholding personal integrity as well as company accountability