Served as subject matter expert and final decision maker on underwriting matters for the mortgage organization.Resolved conflicts between mortgage originators and underwriters on challenging loan scenarios.Exercised exception authority for FHA, Fannie Mae/Freddie Mac, and portfolio mortgage transactions in multiple origination channels that included retail, wholesale, direct, and correspondent.Acted as subject matter expert on difficult loan transactions.Restructured loan requests to meet borrowers expectations and to mitigate risk to the bank.Interfaced with senior management and risk management to resolve complex transactions.Trained new and seasoned underwriters through live test case reviews.Administered training class for junior underwriters.Well respected by peers and sales associates as a valuable resource on credit policy and risk analysis.Lead a team of 9 wholesale underwriters.Exercised $2,000,000 lending authority. Bank Officer.

Operations / Secondary Manager.Managed P&L for correspondent branch that originated, processed, underwrote, closed, and funded $40 million in mortgages monthly.Responsible for monitoring and managing compliance with FCRA, ECOA, RESPA, HMDA, Flood Act, and other regulations.Managed loan pricing through best effort rate commitments, mandatory commitments, and negotiated trades.Delivered closed loans on a flow and bulk basis.Implemented a lead management system that improved cost per lead and lead conversion rate.Succefully marketed the branch and managed transition to new ownership.

Designed, implemented, and managed operations for start-up, non-conforming mortgage unit that developed real estate volume within the bank’s market area.Developed product mix, hired and trained loan officers, developed lead sources, originated, processed, underwrote, closed, funded, and sold loans to secondary investors on a mini bulk basis.

Directed five departments responsible for secondary market mortgage sales, credit quality reviews, mortgage underwriting, indirect consumer lending, and mortgage originations. Developed highly profitable secondary market program for real estate loans that represented opportunity outside the portfolio risk parameters of the company. Communicated daily with senior and front line management regarding credit quality trends.Directed call center that developed real estate loans from referrals provided by various affiliated companies.Oversaw loan servicing of high LTV real estate portfolio.Directed on-site due diligence teams that evaluated credit risk for portfolio and brick and mortar acquisitions.