Vera Juncaj Zaverin, M.M. Email & Phone Number

• Set fraud, anti-money laundering (AML) and Office of Foreign Assets Control (OFAC) riskmanagement philosophy and strategy.
• Provide oversight and expert advice to help ensure appropriate development andimplementation of fraud and money laundering prevention, detection, and resolutionstrategies designed to minimize the risk of catastrophic.
• Establish and enhance policies, programs, reports and procedures to address relevantinternal controls to identify and report suspicious activity and help conform to FHFA,FinCEN, OFAC and other regulatory laws and.
• Responsible for measures and systems that minimize losses from fraud and money laundering.
• Provide leadership and guidance to subordinates at the manager and professional levels within the latitude of established company policies.
• Aid in the development of business objects for the department including budgeting.

Remote

• Successfully manage and provide leadership to a team of managers, overseeing their teams’ production volume, quality, and development, ensuring they are aligned with departmental goals and objectives while fostering.
• Plan, direct, coordinate, and oversee activities for developing and executing comprehensive mortgage underwriting strategies that deliver on the vision, mission and values of the organization while developing leaders.
• Build successful teams, hire, train, coach, and lead managers to continuously refine their team’s skills to reach and exceed production goals.
• Maintain excellent written, spoken, active listening and interpersonal communication skills while ensuring teams have the resources, workflows, and training in order to provide the best experience to the sales team and.
• Utilize critical decision-making skills and sound judgment to address and resolve issues.
• Collaborate with executive leaders to improve performance in quality, processes, and skills. Also, to maintain high morale, productivity, production, and customer service.

• Oversee the effective assessment of financial risk by associates in the underwriting department.
• Ensure alignment of associates' work with departmental goals and Homepoint's overall business objectives.
• Manage workflow, procedures, and training of the underwriting team.
• Facilitate daily communication with management, sales personnel, and internal associates across operational areas.
• Develop and clearly outline performance expectations for each associate.
• Utilize extensive knowledge of FMNA, FHLMC, Jumbo, VA, USDA, and FHA underwriting guidelines.

Troy, MI

• Provide guidance, support, and leadership to a team of underwriters, ensuring compliance with policies, procedures, and risk management.
• Lead teams in underwriting various guidelines, including Conventional Conforming, Portfolio/Jumbo, New Construction, Rehab, VA, FHA, MSHDA, USDA, OFHA, and FHLBI.
• Improve operations, drive growth, and streamline processes to enhance turn times and operational efficiency.
• Manage daily operations, including load leveling, pipeline management, staffing, coaching, training, and performance management.
• Coordinate on-site investor audits and oversee the training and onboarding of new team members.
• Hold approval authority for complex requests and exceptions to policy on non-conforming/non-QM/jumbo products.

Troy, MI

• Provide leadership and oversight to a team of underwriters in the residential mortgage underwriting department.
• Ensure compliance with established policies, procedures, and risk management guidelines for both conforming and jumbo products.
• Drive operational improvements and streamline processes to enhance efficiency and reduce turn times.
• Manage day-to-day operations, including load leveling, staffing, coaching, training, and performance management.
• Coordinate and facilitate on-site investor audits to maintain adherence to investor requirements.
• Hold approval authority for complex requests and exceptions to policy, ensuring sound decision-making.

Troy, MI

• Conduct in-depth review of financial statements for individuals, including thorough analysis of corporate tax returns and balance sheets for self-employed applicants and executives with layered ownership interests in.
• Utilize a combination of manual methods and statistical software to assess RISK, INCOME, CREDIT, ASSETS, and COLLATERAL.
• Make sound business decisions based on comprehensive analysis and clearly articulate the reasoning behind those decisions.
• Successfully manage multiple projects with varying deadlines, ensuring timely completion while maintaining accuracy.
• Perform asset reviews for higher net worth borrowers, evaluating various sources and percentages of liquidity such as cash, vested stock shares, unvested restricted stock, multiple retirement vehicles, and equity.
• Apply different qualifying guideline parameters to determine eligibility for loan qualification purposes.

Master'S Degree, Business Management, Strategic Leadership

Bachelors, Business Management

Associate'S Degree, Paralegal

Bachelor Of Business Administration - Bba