As a DIY Home Content Creator, I am responsible for producing captivating and informative content for digital platforms. My role involves creating and sharing content related to home improvement, interior design, crafting, and various DIY projects. The primary goal is to inspire and educate the audience while building a strong online presence and community.Key Responsibilities:* Content Creation: I plan, film, and edit high-quality videos and photos for DIY home improvement projects. I develop step-by-step tutorials, guides, and tips for various DIY tasks, including home décor, renovation, gardening, and organization.* Content Optimization: I optimize content for search engines and social media platforms to maximize reach and engagement. I also stay updated with current DIY trends and adapt content to meet audience interests.* Platform Management: I manage and maintain social media accounts, websites, and blogs to showcase my DIY projects. I engage with followers, respond to comments, and foster an interactive and supportive online community.* Equipment and Supplies: I research and recommend tools, materials, and equipment for DIY projects. I provide detailed product reviews and comparisons.*Collaborations: I collaborate with brands, fellow content creators, and influencers for sponsored content or joint projects.* Research and Education: I continuously research industry trends, innovative techniques, and creative ideas to stay at the forefront of DIY content creation. I also share my knowledge and expertise with the audience through informative articles or videos.* Monetization Strategies: I explore and implement various monetization strategies, such as affiliate marketing, merchandise sales, and paid promotions.

Results-driven Mortgage Loan Officer/Broker with 15 years of accomplished underwriting experience. Leveraging a strong financial background to assist clients in navigating the mortgage landscape. Committed to delivering personalized and efficient service, ensuring clients make informed decisions. Excited about the opportunity to apply my analytical skills and industry knowledge to help individuals achieve their homeownership goals in my new role.

$1M lending authority. Analyze credit reports, appraisals, title commitments, paystubs, complex business and personal tax returns (1040, 1065, 1120/1120s, Schedule C, Schedule E, Schedule K-1), Profit and loss statements, Balance sheets, trusts, legal documents, and other financial statements as well as reviews several types of asset statements for high-net-worth individuals (wealth investment clients), and ensures every loan complies with the bank and secondary market standards.• Evaluate financial information to verify the borrower's creditworthiness.• Gather, analyze, and evaluate risk exposure through appropriate risk documentation.• Make proactive recommendations to improve risk profitability.• Partner with leadership and maintain timely communication to ensure high-quality customer service.• Trains and supports lower-level underwriters with daily exception requests.• Consistently exceed performance standards and goals established and manage compliance through quality work.• Review programs, processes, claims, documentation, and files to ensure compliance with internal company requirements, investor guidelines, and government regulations.

Completed initial and final reviews on applications to facilitate credit/underwriting decisions for complex loan packages according to business unit standards. SASE Level 3 signing authority with a limit of $1M. Analyzed credit reports, appraisals, title commitments, paystubs, complex business and personal tax, restructured business and multiple business reviews, Profit and loss statements, Balance sheets, trusts, legal documents, and other financial statements as well as reviewed several types of assets statements.• Managed pipeline effectively without compromising the quality of reviews or diminishing customer service.• Reviewed financial statements and credit reports to guarantee submission of complete credit packages.• Provided guidance to less experienced underwriters.• Evaluated debt ratio, loan-to-value ratio, title reports, credit, and property valuations, and ensured every loan complies with the bank and secondary market standards.• Evaluated processes to ensure business standards were followed, providing guidance to lenders and other staff regarding documentation and underwriting requirements.

Reviewed programs, processes, claims, documentation, and files to ensure compliance with internal company requirements, investor guidelines, and government regulations.• Evaluated processes to ensure business standards were followed, providing guidance to lenders and other staff regarding documentation and underwriting requirements.• Ensured identified risks and/or problems were clearly documented and interacted with appropriate parties for timely resolution.• Performed ongoing reviews, and internal audits and generated reports summarizing results.• Identified risks and problem areas and recommended standards or procedures to improve performance.

Charlotte, NC, November 2009 - October 2013Analyzed credit reports, appraisals, title commitments, paystubs, business and personal tax returns (1040, 1065, 1120/1120s, schedule C, Schedule E, Schedule K-1)., trusts, legal documents, and other financial statements as well as reviewed several types of assets statements.• Evaluated financial information to verify the borrower's creditworthiness.• Gathered, analyzed, and evaluated risk exposure through appropriate risk documentation.• Made proactive recommendations to improve risk profitability.• Proactively communicated decisions to the loan originator and served as a resource to mortgage personnel on any underwriting questions and maintained timely communication with customers and business partners.

Analyzed credit reports, appraisals, title commitments, paystubs, business and personal tax returns (1040, 1065, 1120/1120s, Schedule C, Schedule E, Schedule K-1)., trusts, legal documents, and other financial statements as well as reviewed several types of assets statements.• Provided team daily production and distributed daily work, created reports for Sr. management, liaison between Sr. management and Team. Managed daily team operations.• Completed Curtailment report for the business unit and delivered results with recommended actions for improvements.• Partnered with the business unit as well as USDA to write procedures, update existing procedures, and create new processes, which resulted in the creation of the USDA credit Policy. • Completed and facilitated training materials for several new hires while conducting on-the-job training and classroom presentations. Managed compliance through performing internal audits for new underwriters.• Bankruptcy, Mediation, Foreclosure, and Liquidations underwriting experience. • Handled escalated accounts as the Foreclosure point of contact for FHA/USDA which entailed reviewing and completing Rescission requests to determine if a foreclosure sale was valid, and no servicing errors were present. Over $90,000+ in company savings from April 2011– October 2011.

Knowledgeable of company products and services, policies, procedures, collections systems and how to apply this knowledge when communicating with delinquent customers. Used auto-dial system to initiate customer contact and determine reason for delinquency; evaluated customers' financial situations and negotiated terms of repayment to bring account current. Negotiated for full payment or created terms for repayment. Assisted in Research of escalated loans and assisted with Loss Mitigation calls for various investor groups

 Took inbound calls on Virginia and North Carolina electric accounts Connected new services, disconnected services, and transferred services for customers Disconnected service for non-pay/ collected payments on delinquent accounts Handled Escalated calls Trained new representatives and coached representatives on phone audits