Credit Risk Management. QC Manager of Credit and ServicingManager of the QC dept of MSPBNA mortgages as well Conforming FNMAManager of QC dept of all loans serviced by our external vendor.Responsible for Vendor Management. Currently manage a team of approximately 20 QC Credit analysts and a QC Servicing team in Mumbai.Duties involve training new employees, advising the credit risk team, provide guidance on credit policy.Have been involved in UAT testing and an advisor on new software programs.Experienced organizing data and materials for OCC, CFB as well as internal and external audits.Provide monthly QC credit, data, and servicing reports.

Highly skilled in studying credit levels and providing a detailed evaluation of the fundamentals that are necessary in determining the level of risk involved with a financial transactionReview and determine the action necessary to find a resolution required of loans originated Wholesale, Retail, Correspondent or ManuallyTasked with the re-underwriting of files to determine the validity of the initial approval, including but not limited to: Measuring borrower’s ability to repayDetermining product eligibility and requirementsIn depth review of property appraisal and use of outside valuation tools, if necessaryReview file to determine state and federal compliance adherenceTrain and educate new employees with the job responsibilities expected of the divisionAbility to understand, analyze, and communicate the direction necessary to take in order to achieve the correct approach to be rewarded with an agreement in favor of recourse Consulted for JP Morgan Chase from April 2010 to January 2011. Awarded a full time position in February 2011 based on high level performance

Fully underwrite files to determine product eligibility, property valuation, and borrower’s ability to repay Worked directly with both Investors and Sellers to determine salability of loan files in the secondary market Specialized in product eligibility determination Apply quality control on all documents included in closed loan applications, including validating the authenticity of the origination documentation Evaluate loan for adherence to federal and state complianceRecognized for the knowledge and ability to comprehend and understand every requirement necessary in grading the value of a loan to be placed on a level to provide quality control on the findings of a team placed under myself.

Multimedia advertising sales (yellow pages, internet, direct mail) for small to medium size business Cold calling on potential clients in the Manhattan and Brooklyn area via telephone or appointmentBuilt campaign for clients to protect, profit and give their company more prestige in the marketDuties included marketing and performing as a manager for accounts established

Build rapport and pitch new business to potential customers over the phone Analyze customer's financial situation and place appropriate loan productDistill complex financial product in terms that the customer can comprehend

Named as the #1 Account Executive for loan units in the East Coast Division, August 2007Achieved Top Account Executive in the Manhattan Branch, June 2007, August 2007, December 2007, February 2008, and March 2008Hold the record for most units funded in a month at the Manhattan, as well; branch Average 10 units per month with an average volume of 2 million dollarsManage portfolio leads/customer relationshipsPrepare loan documentation for underwritersTrain new employees and evaluate potential hires interviewing for position at New York branch

Built new partnerships with contractors resulting in base of new businessManaged day-to-day operations including: payroll; accounts receivable; accounts payable; assignment of workflowSourced new business/marketed to new customersParticipated in all plumbing assignments