▪ Executed various transactions such as transfers, draws, expenditure corrections, and other documents in Arizona Financial Information System (AFIS).▪ Fulfilled ad hoc analysis and requests for senior management and other internal partners in a timely manner.▪ Conducted analysis to identify and research potential impacts of proposed and pending federal and state legislation, policy changes, or funding modifications.▪ Created quarterly and semi-annual Federal Reports by compiling revenue, expenses, and encumbrances used for a specific grant to report fund activity from AZDES back to the Federal Government.▪ Participated in Operational Planning Meetings (OPMs), which included preparing a variety of fiscal and operating reports that involved detailed analysis of financial outlooks, spending trends, staffing levels, and other comprehensive analysis.

▪ Underwrote FNMA and FHLMC insured loans, VA IRRRL, and Tx50a6 and Tx50a4 Refinances.▪ Analyzed income of all earning types and credit documentation to derive financial ratios that could be used to approve or deny a loan application.▪ Analyzed home appraisals (Single Family Residences, Manufactured Homes, Condominiums, and Multi-Unit Properties) to make sure collateral decision was sound.▪ Reviewed asset documentation to determine credit worthiness of the loan application.▪ Reviewed title for accuracy, including review of liens, judgments, etc., to ensure title issues were cleared before the mortgage loan closed.▪ Reviewed condominium documents, including Condo Master Policies, Condo Questionnaires, etc., to ensure condominiums met FNMA/FHLMC guidelines.

Mortgage Underwriting Manager​​ 2015-July 2020▪ Mortgage Underwriting Manager for Loss Mitigation, Home Equity, and First Mortgage▪ Mentored and developed employees in an environment that included frequent updates to policy and procedures and entailed different types of products.▪ Trained underwriters to become self-sufficient and independent to succeed at their job with limited supervision.▪ Responsibly managed the capacity and workload of individuals and delegated assignments fairly and evenly.▪ Monitored the workflow of underwriters to ensure company, investor, and regulatory turn-times of our designated loan population were being met.▪ Ensured that the departmental goal for quality, production, and customer satisfaction were being met by my group.▪ Ensured internal and external credit policies and guidelines were being strictly followed by my group.Senior Loss Mitigation Underwriter ​​2011-2014▪ Restructured terms on residential mortgages for delinquent customers.