Providing daily loan support to Commercial Lending sales team. Acting as main point of contact with customers throughout the entire loan process. Ensuring that loan packages are complete and compliant to bank standards prior to closing.

Wells Fargo Home Mortgage• Underwriting and decisioning refinance loan transactions of home loans• Analyzing loan files including tax returns and self-employment income including Partnerships, Corporations, and S-Corporations.• Maintaining open lines of communication with Home Mortgage Consultants, Home Loan Processors, and borrowers alike throughout the loan process. • Mitigating risk for the bank by making sound lending decisions

• Executed advanced and comprehensive reviews of multiple types of executive resolution reviews within a business line, while maintaining compliance. • Effectively aligned team of research remediation analysts on process strategies for complaint review workflow improvement. • Adequately provided feedback to leadership regarding material procedure deficiencies by troubleshooting and repairing said issues. • Guided control and user experience testing initiatives • Identified operational risk occurrences and analyzed appropriate solutions to mitigate potential risks.• Actively collaborated with leadership in weekly meetings, assessed challenges and presented innovative suggestions on procedure updates.• Provided leadership to Executive Office Case Specialists as a subject matter expert on policies and procedures, improving overall team alignment. • KEY ACCOMPLISHMENTS: Appropriately coached and trained Quality Analyst new hires and set them up for career success within their positions. Administered 2nd –level reviews of test cases when needed. • January 2021 - Facilitated training of a Quality Manager and 5 consumer Quality Assurance Analysts on Pre-QA Small Business Segment case review process. • February-April 2021- Facilitated training of 2 Executive Office Complaints team leads on Pre-QA review process for Small Business Segment cases. • 1st Quarter 2021- Increased cases per hour productivity by .52 and exceeded team average by .25

Successfully processed quality assurance audits of FHA, VA, and USDA home loan modification documentpackages to ensure compliance at every level in this process.• Trusted by my supervisor to serve as the escalation point for high-visibility and rush pertinent files to assist ourteam leads and management in completing this process.• Thoroughly conducted an average of 160 quality assurance reviews per month, utilizing home preservationsettlement policy guidelines, while ensuring bank policies and regulations are followed.• Appropriately identified process improvement opportunities and assisted in the implementation and revision ofprocedures and training materials, with the goal of reducing risk.• Worked efficiently to ensure high quality customer service and compliance with government regulations.• Successfully managed high-quality loan reviews while staying within the parameters of the 24-hour service-levelagreement of our respective business partners.• Subject Matter Expertise on state specific document guidelines involving derivation clauses for recordingpurposes.• KEY ACCOMPLISHMENT: Trained 5 team members on the nuances of the state specific recording policy, thusreducing our monthly team error rate.

Diligently with great results, underwrote conventional conforming loan refinances which included HARP programqualified loans to meet the needs of all borrowers.• Performed in-depth loan analysis of key loan documents, including credit reports, title commitments, borrowerpaystubs, asset/retirement statements, divorce decrees, and tax returns.• Ensured due diligence was followed through at all times through fact-finding to aggressively mitigate any riskassociated red flags during the underwriting process.• KEY ACCOMPLISHMENT: Earned and achieved 1C-level conventional underwriting authority.

Successfully underwrote full document and streamline refinance loans and processed post-origination point-ofsale (POS) documents in a timely manner.• Partnered with mortgage loan officers to clearly understand the loan conditions prior to closing and work toeliminate issues within the loan process.• KEY ACCOMPLISHMENT: Built an excellent rapport with Sr. Underwriters on complex issues when applicableand improved the ratio of loan closings together.

Effectively utilized standard operating procedures of Credit Originations for credit card underwriting.• Enacted due diligence when reviewing credit reports for any inconsistencies that could pose potential risks.• Analyzed tax returns, credit reports, and other legal documents carefully to determine credit worthiness.• Adhered to Regulation B guidelines and procedures for consumer credit lending.• Applied BSA and AML knowledge to combat and investigate any potential fraudulent cases.• Developed and analyzed credit goals and communicated strategies for investigations.• Leveraged risk versus reward, to ensure credit quality and profitability for the bank while making exceptions toguidelines when necessary.