Ally

Director of Mortgage Credit Risk

Director of Mortgage Underwriting

Knock

Director - National Mortgage Underwriting

NP, Inc.

SVP -National Underwriting Manager

Regions Bank

Regional Underwriting Manager

Fifth Third Bank

•	Act as first line of defense to provide business leadership related to identifying, assessing, mitigating, and managing risk.
•	Ensure the existence of appropriate product and platform supervisory risk controls focused on line of business or functional areas.
•	Work across the line of business to ensure transparency and understanding of operating issues, risk, and opportunities for sound governance and oversight of business activities.
•	Evaluate the industry, market, and regulatory environment to anticipate changes to ensure appropriate alignment with potential business scenarios.
•	Proactively manage the relationships with other internal business control groups, second, and third lines of defense to control breakdowns, inadequate processes, or unexpected events.
•	Coordinate the development of risk dashboards for testing applicable operational and emerging risk processes.
•	Identified CoreLogic Fraud Tool process defect resulting in $500k annual Bancorp savings.
•	Provide guidance to line managers in identifying and monitoring key risk indicators that represent early indicators of key drivers of risk for the division.tors of key drivers of risk for the division.

Vice President - Business Controls Manager

•	Work with Fulfillment across all channels and locations on the development/enhancement and implementation of controls and self-testing policy guidelines covering processes and legal/regulatory compliance
•	Promptly and proactively identify issues, communicate findings to management and propose/recommend resolutions to minimize exposure to the Bancorp
•	Evaluate the state of internal controls that are in place to insure operational efficiency, reliability, and compliance with applicable laws and regulations. 
•	Develop and document needed action plans for identified issues when gaps in process are identified
•	Assist with the review and assessment of performance of various functional areas, then suggest process and system enhancements to improve overall productivity and control
•	Assist in the management of cross functional project teams for the purpose of correcting deficiencies identified through reviews, audits, compliance findings, agency assessments, etc.
•	Responsible for organizing, influencing change, and overseeing the successful execution of multiple Mortgage Initiatives across Retail, Wholesale, Correspondent, and Direct channels
•	Support the development of project implementation plans (work assignments, key deliverables, target dates, and other aspects of assigned projects) and play leading role in managing and coordinating necessary activities to achieve desired results
•	Partner with Senior Leadership to identify, prioritize, track, and execute business objectives and opportunities
•	Work with key business partners to develop the appropriate approaches, programs, and implementation guidelines for business initiative and strategies
•	Review escalated underwriting questions from Sales/Fulfillment and make final determinations on all matters related to the underwriting of mortgage loans
•	Serve as subject matter expert to problem solve across lines of business

Vice President - National Underwriting- Mortgage Risk & Operations Manager-Regional Underwriting Mgr

•	Serve as Subject Matter Expert and final decision maker on underwriting matters for the Mortgage Organization.
•	Respond to all requests submitted to the Mortgage Escalation/Exception Inbox as they relate to Agency Products, FHA, VA, Portfolio Products, and Private Banking Relationships.
•	Handle underwriting decisions requiring senior knowledge and/or unique problem solving abilities.
•	Approve and review mortgage loan requests that fall outside of guidelines.  Act a final decision maker to approve, deny or re-structure loan for appropriate channel loan products and programs.
•	Interface extensively with agencies, credit risk, quality control, product, compliance, and collateral departments to ensure all information is communicated timely and appropriately. 
•	Add support and final decisions for the following mortgage channels of the Bancorp: Retail, Direct, Wholesale, and Correspondent.
•	Act as subject matter expert for Fulfillment Training from Origination through Closing.
•	Work with Education and Training to assist, design, and develop new education related training programs. 
•	Serve as final decision maker for loan issues between sales and fulfillment in the field.
•	Demonstrate exceptional leadership skills as a team player providing superior customer service, being flexible, approachable, and bridge gaps between departments or channels.
•	Maintain knowledge of Fifth Third Mortgage Company policies and procedures, in addition to private investors, government investors and portfolio product credit policy and guidelines.
•	Administer Credit Analyst Training Program as it relates to approval for mortgage credit authority.
•	Administer DE Certification Program for current conventional underwriters requesting their DE Certifications.
•	Review and respond to requests and reports related to Fair Lending, Quality Control, Internal Audit, and Collateral Evaluation.
•	Participate in special projects as determined by Senior Management Team.

Vice President - National Mortgage Underwriting Exception/Escalation Group

Built, recruited, trained, and opened New Wholesale Operations center for bank
Manage and lead Input, Processing, Underwriting, Closing, and Post Closing departments for assigned Affiliates.
Responsible for developing and managing staff according to output and input scorecards around cost, quality, and delivery.
Interact with sales team to create cohesive and streamlined efforts to identify learning opportunities, to maximize team strengths, and to implement solutions and tools for performance and process upgrades. 
Review and approve loans that exceed or fall outside investor guidelines for Fannie Mae, Freddie Mac, and FHA.
Identify and develop lead team members for succession planning
Orchestrate and conduct weekly meetings with Second Review Committee, Operations Managers, and National Operations Manager.
Manage all internal and external audit requests to ensure compliance.
Review government regulations to communicate and implement changes.
Standardize Best Practices to optimize processing timelines and customer satisfaction
Evaluate and proactively respond to quality control, repurchase, compliance, and early payment default reports.
Provide leadership, guidance, and feedback to direct and indirect reports to enhance career development.
Develop ongoing talent pool to ensure adequate bench strength and succession.

Fulfillment Center Director - VP

Triad Guaranty Insurance Corporation

Underwrite and approve loans to investor, Freddie Mac, and Fannie Mae guidelines.
Validate findings from Loan Prospector and Desktop Underwrite to confirm information provided meets underwriting standards.
Review and approve loans that meet standards for manual underwriting criteria
Perform audits on loans for compliance with FHLMC and FNMA standards
Approve loans that meet alternative and sub prime loan criteria

Underwriting

Amicus FSB

Manage and supervise underwriting, processing, and closing departments.
Underwrite and approve mortgage loans within guidelines of Freddie Mac and Fannie Mae.
Utilize Loan Prospector and Desktop Underwriter for loan submission and approval.
Maintain and underwrite loans for bank portfolio which included: single family, multi-family, commercial residential, and commercial store front loans.
Set bank guidelines and policies for mortgage loans as well as perform due diligence on mortgage portfolio.
Set daily loan pricing for Freddie Mac and bank portfolio loans.
Perform secondary market loans sales to Freddie Mac via loan sales desk.
Maintain pipeline reports for coordination of loan sales to Freddie Mac.
Oversee loan originators for coordination of loan sales and loan closings.
Solicited realtors, current customers, and referral sources for origination business.

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