Wholesale Underwriter IIIManually underwrite refinance & purchase transactions for Union Bank clientele with asset profiles in excess of $10,000,000.Compliance: Initial disclosures, proper handling of personal info, HMDA compliant, ECOA/RESPA/TILA compliant, audit loans to ensure portfolio compliant.Underwriting: Manual underwriting of all aspects of loan submissions to the bank (credit/income/assets/collateral) to ensure that loan files meet risk appetite for portfolio loans. Specializing in the most complex files for the most affluent borrowers. Consistently deliver timely decisions to our external and internal customers. • Top producer while maintaining excellent quality.• Participated in various process improvements including: wholesale resub team, LTV enhancement system testing, solar refresher training, Solar SME tasked with assisting peers with policy requirements for homes with owned/leased solar, and UW Mentorship Program for Processors.• Accolades: Q2 2022 Regional Bank Quarterly Moments That Matter Award**Union Bank acquired by U.S Bank December 2022.

Underwrite refinance & purchase transactions for Bank of America / Merrill Lynch High Net Worth clientele with asset profiles in excess of $10,000,000.  Compliance: Initial disclosures, proper handling of personal info, HMDA compliant, ECOA/RESPA/TILA compliant, audit loans to ensure investor compliant.  Underwriting: Extensive knowledge with Initial credit decision, final credit decision – to include underwriting with AUS ACCEPT as well as manual underwriting/making business decisions on loan amounts up to $2,000,000 on conforming and non-conforming conventional loan products. Well versed at analyzing complex income/asset profiles. Recommending credit decisions on jumbo loans over $2,000,000 with second signature approval. Builds and maintains relationships with Sales and Ops Partners to help foster the Bank of America /Merrill Lynch culture and core values. Consistently maintains high production standards while remaining within acceptable risk tolerance framework. Extensive pipeline managing skills. I was also part of a committee in charge of updating and re-developing on-boarding training for new hires.

Level 4 Senior Mortgage UnderwriterUnderwrite refinance & purchase transactions for JP Morgan Chase Private Client customers with assetprofiles in excess of $3,000,000.  Compliance: Initial disclosures, proper handling of personal info, HMDA compliant, ECOA/RESPA/TILA compliant, audit loans to ensure investor compliant.  Underwriting: DE Lending Authority. Extensive knowledge with Initial credit decision, final credit decision – to include underwriting with AUS ACCEPT as well as manual underwriting/making business decisions on loan amounts up to $1,500,000 on conforming and non-conforming conventional loan products. Well versed at analyzing complex income/asset profiles. Recommending credit decisions on jumbo loans over $1,500,000 with second signature approval. Builds and maintains relationships with Sales and Ops Partners to help foster the Chase culture and core values. Consistently maintains high production standards with several quarterly top performer awards while remaining within acceptable risk tolerance framework. Extensive pipeline managing skills. In charge of managerial duties in manager’s absence, which includes being available for team and unit leads, managing ECOA and other reporting, handling escalations with sales partners, and assists with team development. Pilot Programs: Has been involved in many special projects including Chase 360 (Digitally verified income through FNMA which FNMA chose Chase to Pilot the program and my team & I piloted for Underwriting), Income Derived From Assets Program, assisted in the development of Ability To Repay training to roll out to the floor.