Neomi Alcorn Email & Phone Number

San Diego, Ca, Us

San Diego, California, United States

Specialize in Jumbo, Non-Agency, and Non-QM loans and keep up with guidelines as set forth by NAF. Work with processors and loan officers to provide guidance on guidelines as set forth by NAF and private investors. Evaluate credit and property documents in loan files, identify potential risks, and advise as to the appropriate decision of the file as it relates to approving, declining or suspending the loan based upon investor's guidelines. Perform second reviews for new and existing underwriters with signing authority of up to $5 million on new loan programs. Review declined loans from Underwriters and QC Reviews. Complete reviews of loan submissions submitted by production and origination staff and generate initial credit decisions in accordance with NAF and other investor guidelines as well as internal overlays. Perform reviews of investor guidelines and work with investors to improve guidelines. Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines. Perform credit and property analysis on jumbo and super jumbo loan files. Analyze complex tax returns and accurately calculate income.

San Diego, California, United States

Trained and developed employees to become high performing employees and maximizing their effectiveness in the organization. Managed reports and pipelines to ensure production was met. Worked closely with processors and loan officers to provide guidance on loans. Interfaced with managers and employees from multiple departments to ensure production levels are met or exceeded within the organization. Reported to Director of Underwriting and worked with Capital Markets in making suggestions to guideline changes.

San Diego

Responsible for training staff to evaluate and underwrite complex, super jumbo loan applications with signing authority up to $3 million. Analyze exceptions to bank policy. and determine their ability to meet Bank's risk requirements. Analyze loans for secondary market and ensure they meet Secondary Market requirements. Evaluate cycle times to ensure underwriters are meeting bank expectations. Managed an underwriting pipeline of up to 500 loans.

Greater San Diego Area

Responsible for underwriting conforming, high balance loans and risk management for the bank. Analyzed credit, complex tax returns, appraisals. Reviewed guidelines, policies and procedures to ensure compliance. Training subordinates in analyzing data and learning guidelines

*Manage the operations in the National Accounts Region while maintaining all quality and compliance policies. *Identify and manage risk by signing off on exception loans within my signing authority while working to maintain the lowest loan delinquency. *Manage risk of loans in 5 of the most equity challenged areas in the country. *Led my region to #1 in loan volume in May of 2008. *Collaborate with quality and compliance underwriters and senior managers in order to facilitate implementation of changes. *Work in conjunction with a regional sales manager to increase profitability and volume goals in our region. *Hand selected as acting division operations manager