Vera Davis Email & Phone Number

Los Angeles, Ca, Us

Los Angeles, Ca, Us

• Manage all origination operations functions, inclusive of processing, underwriting, docs, funding and loan shipping. TRID expert• Review all early disclosure packets and closing documents to ensure completed accurately, timely and in compliance with all applicable regulations• Serve as 2nd level loan approval for non-conforming products and exception to guidelines for portfolio loans. Signing authority up to 2M.• Developed Residential Lending desktop procedures, created a checklist for processing, underwriting, doc drawing, and funding.• Serve as Loan Origination System Administrator, coordinating with the vendor and IT for implementation and customization.• Implemented and conduct periodic self-testing to detect weaknesses in the Bank’s residential lending program.• Responsible for training, coaching and mentoring staff to consistently meet and exceed Bank of Hope loan production and quality standards.

Long Beach, Ca, Us

• Managed several departments that engaged in loan processing, underwriting, closing, funding, and audit processes, to maximize loan production and to ensure regulatory compliance and the operational integrity of the department.• Provided the leadership and professional atmosphere to ensure high team quality, accuracy and efficiency through training, coaching, and supervision.• Maximize the use of technology with several systems to enhance the customer experience and achieve the highest levels of efficiency.• Develop and implemented coaching, training and performance management of staff.• Responsible for overall compliance with policies and procedures to ensure conventional loans to Fannie Mae and CUNA guidelines.• Development of quality inspection processes and methodologies to assure compliance of all regulatory requirements.• Created and enforced 100% compliance on all loans originated: portfolio and/or sold to secondary market.

• Responsible for originating purchase and refinance business through a Call Center utilizing different campaigns, promotions, contests and daily sales/referral activities to support achievement of referral and sales goals.• Provide leadership and coaching to managers and associates to enhance necessary skills and improve referral and sales results.• Develop a robust staffing plan, training and performance management (e.g. talent planning, resources, compensation, skill requirements, on-boarding process, new hire orientation, succession plans, etc.).• Provide oversight of reports, best practices, and service quality and communication protocol in order to minimize cost, improve turn time and enhance production efficiencies across the Call Center.• Identify problematic trends at the center, team and associate level that inhibit quality referrals/relationship deepening sales.• Conduct regular meetings to ensure communication, clear understanding of products and goals.

Washington, District Of Columbia, Us

• Examination of findings produced by underwriting investigators to ensure truthfulness of conclusion.• Evaluation of letter writer’s work for reliability of summary of findings.• Assessment of lender’s response to the original findings brought forth by FNMA’s investigation.• Management of escalations and determined appropriate steps to mitigate financial risks. • Maintained internal strategic dialogue to understand business capabilities and gaps.• Coordinated closely with other team leaders to assure uniformity of procedures and most efficient joint operation of teams.• Act as a liaison/point person for all business partners that impact relationship deepening efforts to effectively build teamwork and to improve quality of performance.

• Responsible for the development and delivery of customized quality strategies and programs to achieve breakthrough performance goals relative to credit quality, revenue, growth, and cost savings. • Responsible for a wide variety of delegated functions in support of overall compliance with policies and procedures to ensure conventional loans to FNMA/FHLMC guidelines.• Manage the development of major process improvement steps including the introduction of a quality assurance program for the Underwriting Department. • Management of all operations (Financial, HR, Process Improvement, Business Direction, etc) for 45 associates.• Responsible for a wide variety of delegated functions in support of overall compliance with policies and procedures.• Take part in the integration of the production team, and refining/changing tools, processes, interactions to achieve maximum efficiency. • Reinforced communication of decisions regarding management/process changes.• Interacted with brokers, personally explained complicated conditions with top business partners to understand and meet investor requirements. • Responsible for attracting, retaining, and developing a highly talented production team.

• Managed all aspects of a successful business including resource management, operational excellence, managing partnerships, associate development and proficiency, building and retaining customer relationships for a Wholesale Branch. * Solicited new relationship with Loan Brokers to sell loans to the branch.