Responsible for working with loan officers and clients on obtaining a mortgage loan based on credit qualifications.*Review all credit, income, title, equity documents and submit to lenders for approval*Clear all underwriting conditions to ensure fast closings*Stay within compliance of all state and federal lending laws*FHA trained, fluent in Calyx Point, Microsoft, many lending websites UW engines, DO/DU/LP etc. *Work independently from Home Office*Manage LO's & Processors

Responsible for All AR/AP/Escrow Funds/Payroll/Bookkeeping*Receptionist Duties including Answering Phones/Scheduling appointments, Property Showings/Inputting and updating MLS listings.*Working directly with Real Estate Agents, Closing Attorneys and Clients*Interviewing and hiring employees and real estate agents*Working with office vendors/ordering supplies

Work daily with Loan Officers, borrowers and Lenders to complete files for submission and processing of real estate transactions including refinances and purchases including Conventional, FHA, FHA Streamlines, Subprime and Prime.*Managed all compliance regulations to ensure all files are in compliance with Lender and state regulations.*Work closely with Attorney's, Title companies, Appraisers and Lenders to ensure closings are completed fully and in compliance with state guidelines.*Working knowledge of Calyx Point, DO, DU and all requirements for FHA approvals.*Other responsibilities include answering incoming calls from switchboard of 7 incoming lines, ordering office supplies, training loan officers.

Manged 9 direct reports and successfully managed 4 separate groups.* Worked daily with the account managers to help them establish good communication skills along with building relationships with internal and external customers.* Prioritized pipeline to ensure each loan met compliance regulations and were sent to closing in a timely fashion. * Reviewed loan exceptions that did not meet guideline requirments to determine other alternatives to closing the loans.* Interviewing potential new hires* Maintaining daily activities of my employees such as inbound and outbound calls, follow up with customers in timely fashion, clearing conditions on time.* Handling HR matters that pertained to written or final warnings and disciplinary actions including termination.

As the only branch auditor in the company I set up and fully executed a program to audit, train and mentor the Account Managers on policies, procedures and guidelines to help them learn and grow in their positions as well as help them understand and use to the best of their ability the tools given to them to do their jobs efficiently and effectively.* Held weekly training classes to go over the process of how to keep a clean pipeline, review stips, understand new policies and procedures and new products. * Covered for Group Managers when they were out of the office.

* Underwrite loans based on information provided from mortgage brokers, including reviewing appraisals, title, income documents, broker documents, IRS transcripts, tax returns and approving loan if qualified under our products.* Kept a close relationship with my brokers as I processed all my own files.* Help my fellow team members make decisions based on our underwriting guidelines, process files, final underwrite files to make sure all conditions have been met, send out closing packages to closing agents. * Follow up with the broker to get more loans.

Responsible for processing the files brought in from Account Executives once Underwriter completed.* Building and maintaining a good relationship with my Account Executives and Brokers, getting closing conditions cleared in a timely fashion and sending the loan to close.

Met daily with brokers either face to face or by phone or email in my territory to generate mortgage loan referral business.* Worked independently from my home office or from within the Phoenix office where I was able to work with my inside operations team to get loans closed.* Called leads based on company data base to build loyal relationships for referral business for sub prime residential mortgage loans.

Primary responsibility was to generate mortgage loan applications through a computerized marketing system. I also self sourced other loans through the development of business referrals from other lenders or collection agencies.* Other duties include gathering necessary documentation, working with title companies, appraisers and attorneys. * Putting together proposals for potential customers based on each persons financial goals and needs. * Follow up on the loan through processing, approval and closing.