Objective

To obtain an Operations Management or Underwriting position in Mortgage Banking.

Experience

2008-Present Confidential Tampa, FL
Mortgage Investigation Specialist (working remotely from home)
Conduct in depth investigations into all aspects surrounding the mortgage
transaction.
Determine potential misrepresentation
Review and respond to appeals/inquires received on investigated files.
Review file for underwriting errors and compliance to guidelines.
Prepare internal and external communications to investigated files.
Work with external vendors during the process of the investigation

2008- 2008 ConfidentialTampa, FL
Senior Underwriter
Underwrite loans for FNMA, FHLMC, and BOA guidelines.
Correspond with borrowers and branch administration.
Lending authority up to $535,000

2005-2007 ConfidentialNew York, NY
Vice President of Operations
Responsible for day-to-day operations of Mortgage Banking Division.
Report directly to the CEO of Mortgage Banking.
Interface with Investors and PMI organizations.
Disseminate all policy and investor guideline changes to staff.
Work daily with Managers of 9 GFI branches in NY, NJ, FL, CT, PA & MD
Prepared yearly reports to the state banking departments.
Supervised a total of 35 employees, including 4 department managers.
Brought new technology to the company by way of imaging of documents, and paperless delivery of closed loans to investors.
Reviewed and responded to monthly QC loans done by an outside company.
Handled the approval of GFI with all new investors, through preparing the
Actual approval package to providing all financials and supporting documents.
Was project leader of the transition of the new LOS system, (E3, Harland).
Assisted in the training of all new originators.
Maintain all licensing requirements for all loan originators for all states.

2000-2005 ConfidentialNew York, NY
Senior Contract Underwriter
Underwrite loans for FNMA, FHLMC, and numerous investors.
Review conditions and authorize loan for closing.
Lending authority up to $650,000.

1999-2000 ConfidentialFarmingdale, NY
Underwriting Manager
Underwrite loans for FNMA, FHLMC, and numerous investors.
Underwrite loans for FNMA DU and FHLMC LP.
Review and release loans for closing.
Interface with numerous Investors to update underwriting guidelines.
Approved FHA DE Underwriter, #C545
Supervise Underwriters, Loan Processors, and Loan Set-up personnel.

1998-1999 ConfidentialHicksville, NY
Senior Underwriter
Underwrite loans for FNMA, FHLMC, and numerous investors.
Underwrite loans for FNMA DU and FHLMC LP.
Review and release loans for closing.

1997–1998 ConfidentialBrooklyn, NY
Underwriting Manager
Lending areas include: NY, CT, NJ, PA, and FL.
Supervise Loan Processors and administrative personnel.
Review and release loans to closing.
Interface with investors to update underwriting guidelines.
Underwrote FHA, VA and Sub-Prime loans when needed.

1996–1997 ConfidentialBuffalo, NY
Manager of Alternative Lending
Underwrote all loans originated through the Telemortgage Department.
Supervised Loan Processors and Loan Closers.
Underwrote Conforming, Non-Conforming, FHA, VA, and CRA and Home Assistance programs.

1984–1996 ConfidentialRochester, NY
Senior Loan Underwriter
Underwrote loans to FHLMC, FNMA and numerous investor guidelines.
Certified as a HUD Direct Endorsement Underwriter. (C545)
Underwrote loans for the Retail and Wholesale departments.

Operations Manager, AVP of File Administration
Supervised 60 employees.
Reported to the VP of Loan Administration daily to review current issues.
Responsible for all loans sold in the Secondary Market, FNMA, and FHLMC.
Made sure all loans conformed to investor requirements, and were packaged and shipped per contract requirements.

Chief Corporate Underwriter

Supervised 14 Branch Underwriters.
Reported to Senior VP of Operations daily to review current issues.
Reviewed, updated, and implemented all FHLMC, FNMA, FHA, VA underwriting guideline changes.
Approved jumbo loans to $500,000.
Chaired Loan Review Committee.
Interfaced with PMI Organizations.

District Operations Manager

Responsible for total operations of central region which included, Binghamton, Endicott, Vestal and Albany New York.
Supervised staff of 16 Mortgage processors and closers.
Maintained loan turnaround time of 14 days.
Interfaced daily with Closing Attorneys.

1976-1984 Confidential Binghamton, NY Mortgage Operations Manager Managed all facets of Mortgage Origination’s and maintained loan servicing. Branch Manager in Training Assigned to 10 departments for 3 to 6 month periods to obtain knowledge of their f Functions. Commercial Note Teller Maintained commercial loan files, assisted in the computerization of manual office system. Teller Handled daily banking transactions.