Lending Officer/Underwriter - Cons Ln Underwritr-Fha/Va (Lo), underwriting Conventional, FHA and VA loans; Review credit and collateral for all files with sign-off authority for loans up to $750,000 and appraisals. Began as interim Lending Officer 4/4/16 ensuring conformity with bank policies and procedures. Assisting in the development of guidance polices. Monitoring delinquency, loss and risk rating accuracy across groups of regions, states and/or business units; working with credit officers and other senior officers with structuring, pricing and documentation of smaller loan transactions. Hiring, coaching and developing the credit skills of officers. Overseeing acquisition of new credit relationships, including some customer contact. Ensures credit policies are applied in all areas of credit underwriting. Grants credit and exception approvals and provides credit quality controls.

Client relations, originating loans, loan registration, file set-up, underwriting conventional, FHA and USDA; closing; post-closing; and insuring FHA loans. Review credit and collateral for all files with sign-off authority for loans up to $1,000,000 and all appraisals. Study and advise compliance within Lender and Broker State Regulatory and Banking laws, FHA/VA regulations, and loan document compliance. Primary position is an underwriter reviewing credit and collateral and help with other overflow.

Specially trained as a Renovation loans, Construction loans, and Military Specialist. Managed pipeline, contracts, builder/contractor validations, construction/renovation inspections and draws, and loan modifications; created new and maintained existing relationships with customers, builders, financial advisors, and realtors; advised customers concerning financing options, interest rates, and guidance through the loan process; work with builders, realtors, and financial advisors to market to customers and manage loan pipelines. Review credit files for qualification and appraisals for new construction and renovation loans to ensure all guidelines are met prior to submission for final sign-off. Loan volume was an average of $8 million per year.

Created new and maintained existing relationships with customers, builders, financial advisors, and realtors; advised homebuyers and homeowners concerning financing options, interest rates, and guidance through the loan process; worked with builders, realtors, and financial advisors to market to customers and manage loan pipelines. Took an active role in the exploration, study, training loan officers, and implementation of new programs and compliance. Completed continuing education classes and testing requirements for Maryland brokers. Loan volume was an average of $18.2 million per year.

Recruited and brought to Maryland to help grow business and work with the organization and preparation of file audits in order to meet compliance; created new and maintained existing relationships with customers, builders, financial advisors, and realtors; advised homebuyers and homeowners concerning financing options, interest rates, and guidance through the loan process; worked with builders, realtors, and financial advisors to market to customers and manage loan pipelines. Loan volume was an average of $6 million per year.

Cross-trained and worked in every department and the team concept in order to learn all facets of the wholesale industry including client relations, loan registration, file set-up, underwriting, appraisal/collateral review, closing, post-closing, and insuring FHA & VA loans. Studied and advised brokers to be in compliance within Lender and Broker State Regulatory and Banking laws, FHA/VA regulations, and loan document compliance. Selected to work with management and underwriting on the integration of automated underwriting with the new Freddie Mac and Fannie Mae automated systems. Selected by management to work with all departments and department heads to help in the development, building, and implementation of the company’s wholesale loan tracking software system.