I am a driven and detailed oriented credit risk officer with over 20 years of experience in the finance and banking industry. A credit risk professional with a proven ability of identifying and assessing key risk controls while finding ways to mitigate risk and at the same time providing credit quality controls while focusing on customer excellence. A leader with analytical skills, the ability to adapt, proven ability to make timely and expert judgment decisions. I am able to collaborate with various departments and key partners through effective communication and clear expectations to reach our strategic initiatives. I am motivated to engage and influence key stakeholders and leverage resources to develop and implement strategic initiatives to achieve objectives and goals. While making a positive impact and driving change. Summary of Qualifications:• 20 +years mortgage underwriting experience• 17+ years business support experience • 15+ years of leading by influence• 20+ years total financial industry experienceAbout me: • 21+ Years of experience in Credit Risk & Operational Risk Management • Consumer Lending and Mortgage Underwriting Experience • 2 + Years Single Family Housing Guaranteed Loan Program experience via United States Department of Agriculture (USDA)• Banking Regulatory Risk & Compliance Policies • Operational & Business Execution Excellence• Interpersonal Communication and Organizational skills• Customer Excellence • Microsoft Office (Outlook, Word, Excel, PowerPoint, OneNote and Live Meeting) Core Competencies:• Business Operations• Analytical Thinking• Collaboration & Partnership• Leadership• Coaching and Development• Communication• Teamwork• Detailed oriented • Problem-solving• Process Efficiency• Process Improvement• Risk Management• Ability to Multi-taskI have knowledge and understanding of multiple regulatory risk laws including Equal Credit Opportunity Act (ECOA), Unfair, Deceptive or Abusive Acts or Practices (UDAPP), USA Patriot Act-Know Your Customer (KYC), Truth in Lending Act (TILA) as well as experience with corporate lending policies and procedures as well as Government lending policies and procedures trough USDA.I am willing to grow and adapt within business needs, finding ways to help make the process more efficient for both clients and business. Along with learning from others as well as working with them. Please feel free to reach out and connect!