Universal Mortgage & Finance, Inc. is a national mortgage consultancy firm with operations throughout the US. At the time, the executive team at Universal Mortgage & Finance, Inc. was looking for an industry-savvy Mortgage Underwriter to leverage guidance for the loan application process team, from determining the client’s needs to recommending the right loan product and signing the contract. Interviewing clients and assisting them with the completion of loan applications, I screened and assessed new mortgage applications for loan eligibility, ensuring compliance with mortgage loan regulations and privacy laws. In addition, I worked closely with the underwriting department to determine conditions for loan approval and with real estate agents to increase the number of loans in the company’s loan portfolio. Other duties included, but were not limited to: ensuring that personal information such as income and expenditure are received and captured; identifying potential risks that can lead to a default on the mortgage loan; preparing contracts for mortgage loans, and ensuring they are signed correctly; preparing loan closing documents once a mortgage has been repaid; reporting to management on applications received, approved, and declined; etc.

Cammarata Associates specializes in mortgage quality control and loan review services. The company designs customized QC plans specifically for each business. I was brought into Cammarata Associates’ management team to perform reviews on residential mortgages for regulation and compliance accuracy and provide Quality Control feedback on loan file reviews completed by internal staff. My priority was to demonstrate a thorough knowledge of mortgage industry credit guidelines and policies for Non-Agency, Non-QM, FNMA, FHLMC, FHA, VA, and USDA to be able to identify any credit issues and recommend appropriate remediation. I demonstrated a high level of fluency in complex personal and business financial analysis, including credit, income, assets, and compliance documentation. In addition, I identified all red flags within a loan file and ensured they were addressed accordingly.

First Mutual Holdings Limited is a leading financial services group committed to creating value through risk management, wealth creation, and wealth management, predominantly in the insurance sector. At First Mutual Holdings Limited, I was tasked with designing and delivering the overall operations strategy, responsible for hiring, training, managing, and performing all company employees across sales, office management, production, supply chain, engineering, and quality and safety teams. In addition, duties included allocating budget resources, formulating policies, coordinating business operations, monitoring and motivating staff, establishing performance metrics, managing operational costs, ensuring excellent customer service, improving administration processes, engaging with vendors, hiring and training employees, implementing procedures, policies, and environmental and regulatory compliance programs, identifying business opportunities, monitoring financial activities, supervising the operations and maintenance, producing reports and documents, etc.