MDS Global LLC is the main holding company for my subsidiary companiesMillennium TruckingMDS Towing ServicesMDS Investment PropertiesMDS Auto Sales

• Conducted front line credit risk review of retail loans and applied the needed conditions for mortgage submissions to assure the loans meet program/product specifications.• Ensured potential borrower assets meet closing requirements and were derived from acceptable sources per FMLA/FHLMC guidelines.• Executed a detail appraisal analysis to determine IMortgage and MGIC collateral standards where met, while completing the necessary research to determine federal, state and company compliance

• Served as a direct contact for Underwriting Manager and Team Leader, when loan committee meetings are held and issues or changing are addressed concerning investors seller guidelines.• Managed, controlled and directed the daily operations of the underwriting area, including establishing and maintaining procedures, overseeing work-flow, setting production and quality standards, while ensuring strict compliance and regulatory guidelines.• Communicated on a weekly basis with Underwriting Management regarding quality audit results as well as company set standard productivity and customer service levels • Established and maintain satisfactory post-closing functions, including post-closing audit, recording exceptions, missing and final documents and assuring that missing or final documents are received per investor requirements.Achievements:• Awarded for Reducing deficiencies and increase profit by providing exceptional quality control on millions of dollars of mortgage loans approved daily with zero compliance infractions. • Improved Overall Customer Satisfaction in which increase business by more than 30%

• Supervised day to day activities of Jr. Underwriters in the correspondent underwriting department.• Review all audit results, Investor Suspense reports and Problem Loan Reports and proactively made changes and recommendations to underwriting processes/personal based on trends.• Assigned and coordinate workflow for each team member based on loan complexity, volume and staff.

• Analyzed and decision loans under multiple mortgage loan programs and guidelines in the interest of protecting Ascent HL lending investments.• Analyzed financials and completing income calculations including self-employed borrowers, reviewing financials with margin and pledged accounts.• Reviewed borrowers for credit worthiness, willingness and ability to repay debts while mitigating risks to Ascent HL.

• Managed pipeline of loans within required performance standards for welcome, approval and status calls.• Reviewed, analyzed, approved and underwrote CONV loan files within company and industry guidelines.• Identified loan files that had little to no benefit to the borrower, backend debt to income ratios exceeding guideline maximums with fraudulent or inadequate income documentation.