• Origination Underwrite Conventional loans: review credit, income, assets and collateral • Pre-closing and Post Closing Compliance Quality Reviews completed for several clients.• Forensic Underwrite • Hire, Train, Supervise and evaluate up to 22+ personnel in all aspects of underwriting and Quality Reviews• Complete daily reports / assign files. • Daily responsibility of overseeing the operations of the office.• Conducted daily/weekly meetings with team members and provided mentoring sessions to instill awareness of team/individual goals and develop plans for success.

Underwriting Manager – Digital Risk Mortgage Services (2013-2014)• Train, supervise and evaluate 37 personnel (4 Supervisors, 26 Underwriters, 4 Closers, 3 Quality Control) in all aspects of underwriting residential loans in U.S. for client (large national bank).• Manager level lending authority.• Second level sign-off on underwriting loans for AUS and HARP. • Assign files to team and assist underwriters as needed including review, analysis and calculation on income/assets based on supporting documentation to determine qualification for loan program.• Daily communication with production to Client Manager, underwriting team and QC team. • Conduct weekly huddles with underwriters, closers and QC team.• Ensure SLA are met for initial underwrites and conditions received. • Complete daily reports for decision, outstanding and MTD in addition to condition review reports. • Underwrite Conventional and DU and LP loans using AUS decision engines as applicable and when required. • Review and analyze AUS reports (DU and LP).• Point of escalation within Underwriting Department regarding underwriting decisions. • Review, analyze and determine acceptable appraisals.• Work closely with Closing and Processing Department to ensure delivery of quality files.• Review files as need for any misrepresentation and escalate for review. • Manual underwriting experience. Accomplishments:• Top Producing Underwriting Team.• Top Closing Team for Quality (95% or better) which surpassed client’s closing team.• First Vendor to have a Closer Released from 100% Quality Review from client.• Selected by client to work within their Fraud Department to conduct a one-day training session on how to identify occupancy misrepresentation.Performance Supervisor (2012-2013): Consistently had Top Teams.Team Lead (2010-2012): Consistently had Top Quality and Top Team Underwriter (2008-2010): Consistently recognized for producing quality work.

Closing Manager (2006-2007; Heathrow, FL) and Team Lead (2002-2005; Miamisburg, OH) • Supervised 6-10 employees in areas of registration of loans, closing and shipping files.• This involved preparing construction, rehab, conventional, jumbo, FHA (Federal Housing Authority) and VA (Veterans Administration) loans for brokers and branches nationwide.• Prepared NHE (National Home Equity) lines, loan processing and loan closing packages. • Communicated with company braches, brokers and title companies to provide smooth closing procedures and accurate product information for closing and processing loans.• Approved funding and wire of loans; performed cash audits and resolved cash audit issues.• Trained new hires and branch closers for construction loans and rehabilitation loans.

Closer/Underwrite AUS (3/06-10/06)• Prepared closing documents for conventional, HELOC (home equity lines of credit) and jumbo loans. • Cleared funding conditions and approved wire for loans to fund.• Responsible for a small pipeline to process and underwrite per AUS/Clues and prepare loan for closing. • Worked directly with the companies and loan officers to ensure a smooth process from start to finish of loan.

Operations Assistant • Responsible for accounts payable; payroll and payroll taxes for 22 employees; banking transactions; human resources and advertising. Served as Loan Officer as needed. • Trained processors and closed FHA, VA, conventional and construction loans.• Worked closely with investors for approvals, prepped for closing and coordinated closing dates; post closed all closings for investors.• Performed government insuring of FHA and VA loans; shipped loans to government offices for mortgage insurance certificate for both FHA and VA loans.• Processed FHA, VA and Conventional loans• Firm understanding of roles of Loan Officer, Processor, Underwriter, Closer and Shipper.