Tina Jesse Email & Phone Number

Charlotte, North Carolina, United States

• Managed, reviewed and analyzed loans referred to the Asset Disposition Team. Identified issues, provided comprehensive analysis, made informed decisions on whether to refer to capital markets for investor reallocation.
• Evaluated and mitigated losses related to impaired assets. Worked closely with Investor Repurchase Departments, Collateral Agents, and investors to effectively manage impaired loans and resolve any challenges.
• Utilized strong problem-solving skills in effectively managing impaired loans and loss mitigation. Conducted thorough research and strategic solutions while ensuring compliance with company policies and procedures, as.
• Assessed the severity of loan challenges and collaborated with key stakeholders from internal groups, such as Appraisal, Credit Policy, Underwriting, Counsel, Secondary and Post Closing, to establish and maintain.
• Managed and prioritized the review of documentation, identifying potential issues or discrepancies that could have implications of loan disposition. Ensured accuracy and compliance throughout the process.

Charlotte, North Carolina, United States

• Assessed credit risk and thorough credit analysis associated with mortgage loan portfolios, including jumbo, non-agency HELOC (Home Equity Line of Credit), conforming, USA and VA/FHA loans.
• Aptitude for problem-solving as a subject matter expert in investor guidelines and delivery requirements. Assessed complex situations including required exceptions and reviewing scenarios while evaluating.
• Handled escalated issues and requests from investors or other departments, effectively addressing them in a timely manner while ensuring their resolution.
• Managed credit limit authority, underwriting criteria, and risk appetite for mortgage lending portfolios.
• Monitored and collaborated with internal stakeholders, such as underwriters, loan officers, and legal counsel, to ensure potential areas of concern while providing guidance and training to mortgage underwriters and.

Charlotte, North Carolina, United States

• Executed high-risk underwriting with a focus on quality and oversight, ensuring adherence to company and industry guidelines.
• $2MM lending authority and high-level exception authority for consumer 1st mortgages and HELOCS.
• Reviewed, analyzed, and decisioned complex consumer requests and products, applying expertise and judgment to maintain a high level of credit acumen.
• Promoted adherence to standardized processes to drive quality and consistency.
• Provided feedback, training, and mentoring to underwriting staff, fostering their professional development.
• Collaborated with underwriters, lending managers, and site leaders on file escalations, decline reviews, and higher signing requests.

Charlotte, North Carolina, United States

• Promoted from Underwriter to Senior Underwriter to Team Leader, overseeing a team of 12-18 underwriters.
• Implemented coaching and leadership techniques to enhance overall employee performance standards.
• Acted as a Subject Matter Expert for credit partners, providing insights on policy and risk.
• Conducted audits for Fair Lending and OCC compliance.
• Participated in various projects across Retail Credit, including ARM product, Prime Equity Modifications, Mortgage Express Loan products, FISERV, and Processor pilot in Charlotte.
• Developed and executed a training program for new hires.