U.S. Small Business Administration

Loan Specialist

Mutual of Omaha Reverse Mortgage

Reverse Mortgage Underwriter

loanDepot

Underwriter

NewRez LLC

Underwriter II

myCUmortgage

Mortgage Underwriter

Rockhold Brown & Co Bank

Lead all operational aspects of residential, consumer and commercial lending.
Supervise loan processors/closers of the Bank.
Oversee the quality control of the Bank’s loan portfolio.
Oversee the compliance and technical aspects of the Bank’s escrow program.
Provide cross-training and backup for loan support personnel and provide backup to Loan Officers as necessary.
Coordinate with Loan Officers to develop and maintain best lending practices and processes.
Work with lending team to formulate the most efficient lending processes and procedures and create manual to document these processes and procedures.
Assist the President and CFO in overseeing the compliance with laws and regulations as they apply to the Bank.
Provide information to accurately determine the Bank’s compliance with lending regulations.

Loan Operations and Compliance Supervisor

Wells Fargo Home Mortgage

Reviewed purchase and refinance credit applications along with supporting documentation, such as: financial asset statements, credit bureaus, appraisal or automated valuation model (AVM) reports, tax returns, purchase agreements, gift fund documentation, and more.
Determined borrower/collateral risk and made appropriate credit decisions to ensure quality and compliance with underwriting policies as well as Fannie Mae (FNMA) and/or Freddie Mac (FHLMC) investor guidelines.
Authorized to underwrite in both DOS-based and automated underwriting systems (LIS, DU/LP, and CORE).
Reviewed and analyzed documentation provided by customers, third party vendors, and/or sales partners for quality and to verify compliance with all regulatory, investor, and company policies and procedures. 
Provided excellent customer service to both borrowers and internal staff in order to secure required documentation or discuss alternatives, if necessary.

Consumer Loan Underwriter II

Tata Consultancy Services

Underwrite conventional retail mortgage loans for company client.
Work with training new employees on system and loan programs.
Involved in monthly quality control audits of other underwriter’s loans.
Work to identify areas in need of process improvement and department strengths and weaknesses.

Retail Underwriter

Bank of America

Underwrote and processed conventional purchases and refinances including end loans for new construction, investment properties and Bank of America's MHA program (Fannie and Freddie streamline refinances) while managing a pipeline of both conventional and government loans of 50 to 150+.  
Processed FHA and VA mortgage applications. 
Explained the credit reporting process and reviewed credit reports with customers. 
Analyzed  income and debt to income ratios. 
Submitted government loans to underwriting and collected documentation requested. 
Ordered and reviewed appraisals, flood certifications, title commitments and home owners insurance. 
Completed verifications of employment, rent, mortgage and assets. 
Verified information to clear fraud alerts. 
Coordinated with attorney's offices, loan officers and underwriting to ensure timely closings.

Home Services Specialist

Contemporary Services, Inc.

Processed Conventional, FHA and VA mortgage loan applications/contracts. 
Managed loan pipeline averaging 45 – 60 loans monthly with an 80% pipeline roll each month.
Consistently provided excellent customer service to clients, buyers, and business partners.
Reviewed and analyzed documentation provided by customers, third party vendors, and or sales partners for qualify and to verify compliance with all regulatory, investor and company policies and procedures.
Ordered all required verifications or documentation and conducted subsequent follow-ups to ensure prompt receipt of the necessary information.
Was in training to obtain underwriting authority when assignment ended.

Loan Specialist - Traveling Contractor for Wells Fargo

Highly-motivated, performance driven professional with over 20 years of specialized training in the mortgage industry including origination, processing, underwriting, credit/income/risk analysis and compliance. Excellent in resolving challenges with innovative solutions and process improvements proven to increase efficiency, quality, and profitability. Proactive team player with a proven ability to successfully operate and execute within a demanding, rapidly changing environment with an enthusiastic and optimistic attitude.

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