My work responsibilities include: • Maximize member service and satisfaction by building an inclusive team culture where there are clear goals, inclusion in decision making, constant communication and coaching, feedback and recognition.• Monitor and recommend pricing for all real estate lending products.• Oversee secondary market activities related to loan sales including pricing, delivery, and quality control.• Manage all mortgage operations and servicing vendor relationships.• Develop key metrics related to departmental efficiency and effectiveness, and establish performance standards and goals. Monitor and communicate metrics, modifying standards and goals.• Have comprehensive knowledge and understanding of loan policies, procedures, and regulatory compliance, ensuring that all requirements are kept current and risks are effectively managed. Recommend and implement modifications on an ongoing basis. • Establish a budget for real estate department, monitor progress and make improvement recommendations with emphasis on expense control/reduction.• Develop, complete, analyze and disseminate monthly reports for the purpose of tracking expectations and making improvements.• Maintain up-to-date knowledge of general economic conditions that may impact lending opportunities and delinquency and charge-off ratios.• Responsible for the credit quality of $400,000,000+ loan portfolio.• Provide guidance and support to members, real estate lending employees, and credit union employees with a focus on same-call/same-day resolution.• Lead teams or participate on teams for the implementation of credit union or department-specific strategic initiatives.• Miscellaneous duties and special projects as assigned by VP of Lending.• Consistently ensure that departmental processes, procedures and training are efficient and positively impact the member experience. Monitor changes for process improvements and maintain integrity of appropriate policies and procedures.

My current responsibilities include: • Works with members face-to-face and over the phone to answer product and pricing questions and determine best product fit.• Understands and applies underwriting guidelines and analyzes information and verifications to ensure loans comply with credit union, investor and regulatory requirements.• Acts as liaison between mortgage underwriters and members, ensuring consistent communication and outstanding service throughout the entire process.• Underwrites home equity loans, including ordering appraisals. • Collects and reviews all verification documentation and calculates debt-to-income ratio, orders services and reviews/clears title, and schedules closings.• Calculates and adjusts pricing for adjustable portfolio loans.• Expedites service work requests including; loan modifications, fee reversals, and researching/resolving loan issues.• Assists in developing and implementing new or updated procedures, policies, and loan programs.• Provides guidance and support to members, sales staff and other credit union employees with a focus on same-call/same-day resolution.• Proactively looks for ways to add value to processes and makes process improvement recommendations. • Prepares loan modification documents.• Meets or exceeds established metrics set by the real estate lending services manager.• Miscellaneous duties and special projects as assigned by the real estate lending services manager.

My responsibilities include: -Managed 8-10 account executives through ongoing motivation and training-Implemented on the job training programs for newly hired account executives-Used my knowledge of the industry and leadership skills to ensure my team of processors and loan officers were successful month after month-Determined team progress on weekly loan goals by tracking team daily sales statistics-Managed and maintained efficient processing, underwriting, funding and closing of mortgage loans by assisting with the coordination and enforcement of departmental standard and procedures.-Responsible for developing sales relationships within an assigned territory and maintaining relationships with customers, realtors, builders and other business partners-Oversaw loan processors and loan officers to ensure excellent customer service and customersatisfaction-Reported team progress to upper management in weekly status meeting-Conducted weekly staff meetings to discuss corporate policy and procedural changes-Consistently ranked one of the top 10 sales managers for the region