• Work with internal loan servicing and asset management staff• Responsible for administering loan servicing functions related to interest rate protection required on borrowers with commercial/ multifamily loans that closed with variable rate financing• Manage a loan portfolio that has closed under Fannie Mae (DUS), Freddie Mac/ CME multifamily and multifamily balance sheet programs• Assist with setting direction and priorities for the team, meeting production responsibilities while seeking out opportunities for continuous improvement and ad hoc analysis• Perform periodic analyses of the hedge monthly impound escrow balance• Resizing the monthly hedge escrow deposit pursuant to the loan document requirements• Participate in ad-hoc projects and other analytical requests• Manage hedge dealer relationships, pricing and liquidity to support the borrowers and business• Ensure completeness and accuracy of hedge documentation• Maintaining knowledge of and ensuring adherence to all internal credit, risk and internal control policies as are applicable to asset management.• Assisting the Fannie Mae and Freddie Mac teams on projects when needed.• Participate in review, research, and reporting of property performance on hedged loans.• Identify opportunities for process improvements within scope of responsibilities or functional area.• Review and research basic operational assignments that require evaluation and selection of alternatives.• Exercise independent judgment to guide medium risk deliverables.• Present recommendations for resolving more complex situations and exercise independent judgment while developing expertise in the function, policies, procedures, and compliance requirements.• Collaborate and consult with Commercial Real Estate Portfolio Management colleagues, internal partners, and stakeholders, including internal as well as external customers.

• Work with internal loan servicing and asset management staff• Responsible for administering loan servicing functions related to interest rate protection required on borrowers with commercial/ multifamily loans that closed with variable rate financing• Manage a loan portfolio that has closed under Fannie Mae (DUS), Freddie Mac/ CME multifamily and multifamily balance sheet programs• Assist with setting direction and priorities for the team, meeting production responsibilities while seeking out opportunities for continuous improvement and ad hoc analysis• Perform periodic analyses of the hedge monthly impound escrow balance• Resizing the monthly hedge escrow deposit pursuant to the loan document requirements• Communicate changes to borrowers and update the loan servicing department for changes to the monthly loan invoice• Participate in ad-hoc projects and other analytical requests• Manage hedge dealer relationships, pricing and liquidity to support the borrowers and business• Ensure completeness and accuracy of hedge documentation

• Supervise a team of quality control specialists, controlling work flow activities and deadlines• Create and present compliant QC reporting to management• Ensure QC selections and findings meet agency guidelines• Review QC exceptions and writeups for completeness and accuracy• Perform full investigations of files that have been flagged for potential misrepresentation or early payment default status• Review and partner with areas to communicate audit findings from a compliance/credit qualifying perspective and assist with response and resolution• Maintain QC policies and procedures• Continually gain knowledge on current and new legislation, regulations, investor guidelines and industry standards through internal and external training

• Manage and oversee the Servicing/ Originations Mortgage Quality Program in accordance with Fannie Mae/ Freddie Mac guidelines and Popular Bank’s Quality Control plan• Compliance Liaison between business units for internal and external reviews• Oversees regular quality control assessments of pre-fund, funded, withdrawn/ cancelled/ declined, and servicing transactions• Coordinates quality control assessment results and submits findings to senior management monthly• Responsible for HMDA reporting and maintenance of HMDA data within the Loan Origination System, which includes auditing all withdrawn/ cancelled/ declined files for HMDA/ ECOA compliance • Responsible for initial rebuttal of 3rd party vendor Quality Control findings to include providing missing documentation and writing rebuttal responses to resolve discrepancies• Manage all internal/ external audits and assessments• Manage the Quality Control and Vendor relationships, including invoicing, performance reviews, assessments, corrective actions, etc• Develop and maintain Quality Control program guidelines and procedures to ensure key processes are identified and conform to any and all applicable Popular Bank, federal, state and agency laws, rules and regulations• Collaborate with secondary marketing on sales to Fannie Mae and Freddie Mac, managing post-sale requests and audits• Facilitate communications for post-close collateral with BNY Mellon, document custodian

• Develop and administer all training programs and materials specific to the department's processes and procedures; this includes new hire training on systems as well as training to all members of various departments and keeping them abreast on all updates and changes.• Partner with managers and team leads to determine any individual or group training needs and then develop and administer the appropriate training (i.e. Loan Processing, Sales, Underwriting, etc.).• Develop and administer testing for all members of various departments to gauge the effectiveness of the training needs while continuously improving internal processes, standards, and training solutions.• Maintain existing materials to ensure they are in-line and up-to-date with operational processes, systems, and products, including, but not limited to documented workflow practices and product guides.• Responsible for keeping all departments updated on any new policies & procedures, guidelines, Compliance laws and regulations as it applies to each department and serve as the primary point of contact for any questions.

• Manager of the Post Closing Department which included collateral review and delivery, final documents, FHA assignments, GNMA certifications and imaging • Rebuilt 4-person document fulfillment team to achieve full efficiency of collateral and document requests and integrated a support function for internal and external business partners• Worked directly with information technology business partners to create a tracking system for the collateral portfolio and system requirement enhancements• Execute on personnel hiring, training, performance ratings, salary changes, promotions, transfers, and terminations • Analyze existing workflows to identify gaps, manual and/or obsolete processes, and other impediments to efficient operation • Research and respond to all post funding/sale exception requests from investors. Ie. Bank of America, Sunwest Mortgage, Nationstar, M&T Bank• Research and respond to all servicing requests, including missing documents for FHA assignment, new allonges, corrective assignments, title policies and endorsements 
• Collaborated with legal and compliance departments to problem solve and remediate customer complaints/ regulation requirements/ title claims/ lawsuits• Signing authority on behalf of the company to execute assignment of mortgages, loss note affidavits and manage MERS• Created Visio workflow analysis' and process and procedures for an enhanced work efficiency within the department• Trained and created training materials for internal and external business partners

• Approve or deny mortgage insurance coverage on loans based on a comprehensive evaluation of risk factors associate with loan, borrower and property eligibility• Assess property data to ensure the collateral is acceptable to company and GSE guidelines• Obtain all required documentation and complete loan information within the system• Review and sign off on loan file conditions within authority level and conduct additional research/ analysis, if necessary

• Managed a 7-person compliance audit team to identify trends and analyze gaps• Assist business with questions in regards to TRID, regulation B, regulation X, regulation Z and state disclosure requirements• Developed and delivered training programs to inform new and current employees about federal and state regulations• Supported the 2014 HMDA LAR filing, and managed/ coordinated the 2015 HMDA LAR filing• Identified gaps in new loan origination system to adhere to regulation requirements through system fixes, and collaboration of technology business partners• Collaborate with Operations to monitor and drive Key Performance Indicators (KPIs)• Provide assistance with documenting the controls related to all relevant risk, compliance with laws and regulations, established compliance programs, internal controls and operational processes• Monitor, follow-up and track the resolution of risk and control matters through the use of the corrective action plans and effectively escalating issues in a timely manner in accordance with the Program Policies and Procedures

• Collaborated with credit risk on creating and writing credit policy and procedures• Appointed as subject matter expert (SME) for operations process and procedures audit team to identify adherence and gaps• Certified author for company wide communications• Ensure process improvement methodologies, data analysis techniques, project management and implementation processes are followed• Track and report system enhancement requests and development efforts to provide visibility to senior and executive management on timeline for expected changes/ improvements• Provide consultation on the use ofr e-engineering techniques to improve process performance and product/service quality

• Coached and audited contract underwriters on SunTrust underwriting and processes for the correspondent division• Perform in-house file audits to ensure underwriting is accurate, file meets company, agency, VA and FHA guidelines• Led weekly team lead calls to review underwriting exception trends and construct root cause action plans• Review and provide feedback on repurchase demands• Manage underwriter responses, research responses for accuracy and offer additional assistance to quality control audits• Provide feedback on unique underwriting scenarios or concerns of misrepresentation• Trained all lines of business on new systems for auditing purposes • Accomplished lean six sigma yellow belt certification• Review and advise on business line regulatory complaints• Prepare, distribute and maintain monthly quality exception reports and make recommendations to management on process changes to reduce errors• Perform analysis to identify root cause of compliance exceptions and participate in recommendations for process improvements

• Work with local, state and federal agencies to update and renew annual licensing requirements and FHA requirements• Managed state license renewal processes, ensuring that all documents and fees are submitted in a timely fashion to ensure no lapses in licensing occur• Coordinated state license reporting, including preparation and submission of all renewal applications, quarterly, semi-annual, annual financial and other reports• Prepared and filed forms related to material change of officers, address and bonds• Developed red flag detection and response method program to comply with federal regulation resulting in less risk intake and more profitable loans• Perform state and federal quarterly audits on applicable loan files to ensure compliance• Analyze new state and federal regulations and evaluate results to choose the best solution and solve problems• Examine, evaluate, and complete eligibility requirements for federal and state laws and regulations governing compliance of the company and individual licenses and permits

Wholesale Account Executive. Sales of FHA, VA and Prime mortgage programs.

Wholesale Account Executive. Sales of Alt-A , Prime and Non-Prime mortgage programs.

Wholesale Account Executive. Sales of Non-Prime mortgage programs.

Wholesale Account Manager. Processing for Non-Prime mortgage products.