Canopy Financial Technology Partners

Responsible for minimizing risk by auditing and reviewing QM and Non QM loan files processed by Credit Underwriters. Conduct comprehensive assessments of mortgage loan files, evaluating creditworthiness, verifying assets, analyzing multiple streams of income, minimizing and identifying possible fraud, ensuring alignment with lender guidelines, and ensuring compliance with regulatory requirements.

Due Diligence QC Credit Risk Analyst

Ampliforce

Ensured client satisfaction and success by fostering strong relationships with executive level business partners, providing consultation while coordinating project launches. Streamlined processes, delivered exceptional service, and delegated tasks to my direct reports to meet project deadlines.

o Establish and maintain customer relationships.
o Establish customer service policies and practices.
o Provide high-level technical and product support.
o Supervise and develop customer success teams.

Client Services Manager

Canopy

• Comprehensive Analysis-Conducted thorough assessments of mortgage loan files, evaluating creditworthiness, compliance with underwriting guidelines, and adherence to regulatory requirements.
• Risk Assessment Leadership-Scrutinized borrower profiles, financial statements, and credit histories to assess credit risk. Managed loan portfolios exceeding $10 million, identifying, and mitigating potential risks.
• Process Enhancement-Identified and implemented strategic opportunities to improve the credit analysis workflow. Achieved heightened efficiency, faster turnaround times, and increased overall client satisfaction.
• Cross-Functional Collaboration-Collaborated closely with internal teams, including underwriters, legal, and compliance professionals. Gathered relevant information and delivered cohesive due diligence reports tailored to the specific requirements of secondary market investors.
Key Achievements:
• Revamped Approval Process-Streamlined credit approval workflows, reducing turnaround time by an impressive 20%. This initiative significantly improved operational efficiency and accelerated client service.
• Innovative Risk Mitigation-Developed and implemented pioneering risk mitigation strategies, resulting in a commendable 15% reduction in non-performing loans. Contributed significantly to fostering a healthier loan portfolio.
• Accuracy Excellence-Achieved a consistently high accuracy rate in credit risk evaluations, leading to a notable 10% improvement in overall portfolio quality. Played a pivotal role in enhancing the company's creditworthiness standards. Achieved a consistently high accuracy rate in credit risk evaluations, resulting in a notable 10% improvement in overall portfolio quality. Significant contribution to enhancing the company's creditworthiness standards.

Due Diligence Credit Risk Underwriter

Third Federal

• Led the Mortgage Sales Team, implementing strategies that contributed to a customer-centric environment and increased sales in mortgage loans.
• Originating mortgage loans consisting of HELOC, Conventional, Bridge and Construction loans ( refinancing , purchases )
• Ensured loan files contained all pertinent documentation, including conversations with applicants and written recommendations, showcasing meticulous **documentation management**.
• Managed the processing of loan applications on a web-based computer system, demonstrating proficiency in utilizing digital platforms for efficient **workflow**.
• Coached peers and effectively handled escalated calls/complaints, showcasing strong **leadership** and **customer service** resolution skills.
• Responded orally and/or in writing to applicants or their representatives, demonstrating effective **communication skills** in delivering information and resolving queries.

Mortgage Sales Team Lead-MLO-CSR IV

• Conducted comprehensive **underwriting** processes, ensuring adherence to **Fannie Mae guidelines** and meticulous reviews of DU and Streamlined files for mortgage portfolios.
• Demonstrated strong **analytical skills** in reviewing and analyzing income and assets, ensuring strict compliance with industry guidelines and regulations.
• Championed the development and implementation** of an efficient underwriting workflow, resulting in a remarkable 25% reduction in processing time and significant improvements in departmental efficiency.
• Applied keen attention to detail and **problem resolution** abilities, contributing to the smooth operation of underwriting processes.
• Successfully managed underwriting tasks in a **remote work** setting, showcasing adaptability and effective collaboration skills in a virtual environment.

Underwriter Processor

Huntington National Bank

• Provide sales through service while exceeding sales and referral goals  
• Recognized as being in the top 5% banker in productivity for sales revenue in the region  
• Create monthly schedules for staff and track sales  
• Collaborate with team on new ideas and ways to increase productivity  
• Travel between locations and meet with other department leaders to ensure knowledge of updates and changes within company  
• Exhibit strong communication skills to relay account information and provide a professional atmosphere to clients

Relationship Banker II

Boost Mobile

Orchestrated comprehensive store operations, overseeing sales, inventory management, and employee coaching.
• Achieved a consistent monthly growth of 10% in accessory sales, contributing to an overall increase in store sales.
• Delivered exceptional customer service, ensuring customer satisfaction and loyalty.
• Surpassed company-set goals through strategic planning and effective team management.
• Recognized for providing outstanding onboard training, fostering a skilled and motivated team.
• Played a key role in setting up new stores, contributing to successful openings and operational efficiency.
• Implemented effective cross-selling strategies, aligning products with clients' and business needs to drive additional sales and revenue.

Store Manager

I am an experienced financial services professional with expertise in credit analysis, mortgage underwriting, client success, and team leadership. Currently, as a Credit QC Analyst at Canopy TPR Technology Partners, I conduct detailed mortgage loan reviews after Underwriters to identify errors, address findings, and ensure compliance with industry standards.

Previously, I served as a Client Success Manager at Ampliforce, where I optimized corporate operations with AI-driven digital solutions, managed cross-functional teams, and facilitated client communication to ensure project success. My background also includes roles as a Due Diligence Consumer Credit Underwriter, Mortgage Sales Team Lead, and Underwriter Processor, where I developed deep expertise in documentation review, financial counseling, and compliance.

With early career experience in retail banking at Huntington National Bank and proficiency in tools like Empower, Salesforce, HubSpot, Jira Software, and Microsoft 365, I bring a strong combination of technical skills and client-focused strategies to drive business success.

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