With 15+ years of experience in underwriting and credit review, I've honed my skills in evaluating and approving complex, high-risk loan applications for major banking institutions, including Wells Fargo. My career has been defined by a commitment to ensuring compliance with internal policies and secondary market standards, contributing to robust risk management and adherence to industry regulations.Throughout my career, I've gained extensive experience in assessing exceptions to bank policy, making clear and informed decisions that enhance organizational policy compliance. My approach combines a deep understanding of risk management with the ability to navigate complex financial landscapes, ensuring that every loan decision aligns with both internal guidelines and market expectations.In addition to my technical expertise, I have a proven track record in cultivating strong client relationships. I excel in aligning product solutions with business needs and driving client satisfaction through strategic account management and consultative sales methodologies. My ability to connect with clients and understand their unique requirements has consistently led to successful outcomes and increased value for all stakeholders.Career Highlights:Held lending authority up to $4M at Wells Fargo Bank while mentoring Home Loan Underwriters to obtain higher lending authority and conducting secondary reviews for declined loan decisions.Led the implementation of new loan processing systems, policies, and procedures at Washington Mutual Bank, resulting in a 15% reduction in processing time and boosting customer satisfaction from 65% to 85%.Resolved second-level escalations for high-value loans exceeding $750K at Washington Mutual Bank, ensuring comprehensive senior-level review and maintaining stringent compliance with lending policies.Directed a team of 135 direct and indirect members at Washington Mutual Bank, overseeing loan processing functions from originations through to closing, ensuring seamless operations and timely execution.Established and enforced audit and compliance controls at North American Mortgage Company, resulting in a 25% reduction in loan deficiencies and enhanced overall financial accuracy.Managed and guided a diverse team of 20 professionals at North American Mortgage Company, including processors, underwriters, funders, marketers, and administrators.Reviewed, evaluated, and processed 4 to 6 FHA/VA and Conventional loan applications daily at Wholesale Capital Mortgage Corp, consistently exceeding the team average by 20%.
