Most recent position, Underwriting Manager. Oversaw underwriting and loan quality for multiple retail branches. Direct interaction with all branches included training, underwriting support, scenario issues, and all facets of underwriting status. Many years in this role managing teams of multiple underwriters and full file underwriting for quality control. This included compliance, accuracy, and efficiency in the loan approval process. Developed and implemented underwriting policies, procedures, and guidelines, as well as underwriter training and coaching. Background in underwriting for all agencies with expertise in various loan products, programs, and regulations. Goal is service and support, while improving the experience to include integrity, quality, and innovation.