SUMMARY:

• My reason for contacting you is to discuss your need for tenured corporate underwriting business professionals with extensive experience in fast - paced corporate environments. I would also like to discuss how I am able to contribute to your department goals.
• I have recently been in search for a position with a reliable company that will allow me opportunities to utilize my skills and knowledge to make a difference in the lives of others while offering opportunities for self-growth and professional advancement. I hope to obtain a position where I can develop a long-standing professional career with a stable organization, while helping the company and its clientele to achieve their goals.I am a goal-oriented, decisive business professional with 23+ years of extensive experience in corporate relations, operations and finance/banking. I have a skill range from subprime through conforming and non-conforming, Non-QM loans.
• I am skilled in managing, delegating,, policy writing and planning. My skills also include underwriting, high risk analysis, sales and marketing environments and equally important client satisfaction. You will find my extensive knowledge and powerful analytical, underwriting, teaching, and leadership expertise aide me in getting the job done. I also believe that even though my experience is extensive, it is imperative to note that I have adopted the philosophy of being a life-long learner which means I do remain coachable in order grow and adapt as our world continues to change. I firmly believe these qualities would assist you with helping clients meet their objectives while fostering successful productivity in all facets of business operations.
• I am a highly motivated individual with the ability to motivate others to have the passion that I have for people, self-worth, business, and financial management. I pride myself on being an individual of Integrity, Excellence, Leadership and Diversity. I believe those traits have set the foundation for the individual that I am today. I have found in any industry, it is imperative to have compassion and understanding for both people and company profits at the same time. I embody the importance of strong, creative problem solving abilities because I believe this is crucial when working with people on both personal and professional levels.
• I demonstrate the ability to successfully manage multiple individuals, projects and deadlines, coming in on time or ahead of schedule. I am skilled in making multi-million dollar decisions on a daily basis. If you have an opening for a highly poised individual in these areas, you will see that my attached resume demonstrates a person of unusual dedication, efficiency and drive.
• I thank you for your time and consideration. I look forward to discussing our mutual interests further. Please feel free to contact me at 8983 to see when our schedules will permit a face to face meeting. It will be both a privilege and a pleasure to meet with you.
• Establish a position where my extensive management, corporate underwriting, finance, management, analyzing and public relations skills joined with my marketing, sales, technical and abilities can be effectively utilized to enhance operations and contribute to organizational goals.

PROFESSIONAL EXPERIENCE:

Sr. Corporate Underwriter

Confidential

Responsibilities:

• Primary Focus-FHA-203k-Renovation Loans, Conventional-Renovation Loans, Construction/Perm, Jumbo/High Balance Loans, Employee Loans, Bond Loans among many other programs.
• Facilitate all incoming questions and guidance to help desk pertaining to Renovation and Jumbo loans across the United States.
• 2nd Level reviews to give branch UW's Jumbo lending authority as well as 203k lending authority.
• Create and administer ongoing for branch level sales/Ops/UW teams for renovation loans as Jumbo programs.
• Help to create/write new policies and guideline standards according to business needs for all loan programs across the board. Also, remove guidelines and overlays(where applicable)
• Review branches Underwriting post closing audits for accuracy and possible resolutions for all loan programs across the country.
• Decision highly technical loans. Strict adherence to all company guidelines, policies, and auditing requirements. Thorough review of FHA/ 203k/VA/ USDA/Conventional loans all to insure each loan is in compliance of all federal laws, regulations, bank specific policies, and credit underwriting guidelines.
• Responsible for making appropriate risk decisions on all types of mortgage loans with the highest level of expertise and layered risks included in agency and portfolio platforms with majority of the loans being reviewed as manual underwrites. Increasing lending portfolio through leadership and management expertise, personal accountability, and customer service efforts while making appropriate risk decisions for the company.
• Review of overall credit capacity, analyzing credit reports, all levels of income including W2’s, pay stub, 1040-all schedules, P&L’s, Balance Sheets, 1064, 1120’s and multiple business/ corporate partnership returns, rental income, and advanced asset documentation analysis. Thorough analysis of Purchase Contracts, Appraisals, titles, property insurance, HOAs, Inspection Reports, Construction Bids, and acceptable disbursement of funds for rehab loans. Bond Certified and DAPs reviews. Determining the eligibility of each individual loan, review each loan for risk acceptability, appropriate programs and pricing, coverage, terms and conditions. Rendering and communicating decisions to Mortgage Bankers and Processors including rationale behind decisions and alternative options in some cases where a decline or restructure needs to be considered. Work in partnership with all lines of business to get deal done.
• Extensive appraisal evaluations on all properties including but not limited to, SFR/PUD, Manufactured homes, Condominiums, Co-Ops, 2-4 Unit properties, Multimillion dollar estates, Residential Estates with no acreage limitation (Unless guidelines restrict or the property is in TX)
• Implementing programs to improve underwriting, processing and funding processes where necessary. Leadership roles include foster positive business relationships with team members, agents and clients including but not limited to ongoing of staff and business associates.

Sr Government Underwriter

Confidential

Responsibilities:

• Responsible for making appropriate risk decisions on all types of mortgage loans with the highest level of expertise and layered risks included in agency and portfolio platforms with majority of the loans being reviewed as manual underwrites. Increasing lending portfolio through leadership and management expertise, personal accountability, and customer service efforts while making appropriate risk decisions for the company.
• Decision highly technical loans. Strict adherence to all company policies and auditing requirements. Thorough review of FHA/ 203k/VA/ USDA/Conventional loans all to insure each loan is in compliance of all federal laws, regulations, bank specific policies, and credit underwriting guidelines.
• Review of overall credit capacity, analyzing credit reports, all levels of income including W2’s, pay stub, 1040-all schedules, P&L’s, Balance Sheets, 1064, 1120’s and multiple business/ corporate partnership returns, rental income, and advanced asset documentation analysis. Thorough analysis of Purchase Contracts, Appraisals, titles, property insurance, HOAs, Inspection Reports. Bond Certified and DAPs reviews. Determining the eligibility of each individual loan, review each loan for risk acceptability, appropriate programs and pricing, coverage, terms and conditions. Rendering and communicating decisions to Brokers, Mortgage Bankers and Processors including rationale behind decisions and alternative options in some cases where a decline or restructure needs to be considered. Work in partnership with all lines of business to get deal done.
• Extensive appraisal evaluations on all properties including but not limited to, SFR/PUD, Manufactured homes, Condominiums, Co-Ops, 2-4 Unit properties, Multimillion dollar estates, Residential Estates with no acreage limitation (Unless guidelines restrict or the property is in TX)
• Implementing programs to improve underwriting, processing and funding processes where necessary. Leadership roles include foster positive business relationships with team members, agents and clients including but not limited to ongoing of staff and business associates.

Sr Government Underwriter

Confidential

Responsibilities:

• Responsible for making appropriate risk decisions on all types of mortgage loans with the highest level of expertise and layered risks included in agency and portfolio platforms with majority of the loans being reviewed as manual underwrites. Increasing lending portfolio through leadership and management expertise, personal accountability, and customer service efforts while making appropriate risk decisions for the company.
• Decision highly technical loans. Strict adherence to all company policies and auditing requirements. Thorough review of FHA/ 203k/VA/ USDA/Conventional loans all to insure each loan is in compliance of all federal laws, regulations, bank specific policies, and credit underwriting guidelines.
• Review of overall credit capacity, analyzing credit reports, all levels of income including W2’s, pay stub, 1040-all schedules, P&L’s, Balance Sheets, 1064, 1120’s and multiple business/ corporate partnership returns, rental income, and advanced asset documentation analysis. Thorough analysis of Purchase Contracts, Appraisals, titles, property insurance, HOAs, Inspection Reports. Bond Certified and DAPs reviews. Determining the eligibility of each individual loan, review each loan for risk acceptability, appropriate programs and pricing, coverage, terms and conditions. Rendering and communicating decisions to Brokers, Mortgage Bankers and Processors including rationale behind decisions and alternative options in some cases where a decline or restructure needs to be considered. Work in partnership with all lines of business to get deal done.
• Extensive appraisal evaluations on all properties including but not limited to, SFR/PUD, Manufactured homes, Condominiums, Co-Ops, 2-4 Unit properties, Multimillion dollar estates, Residential Estates with no acreage limitation (Unless guidelines restrict or the property is in TX)
• Implementing programs to improve underwriting, processing and funding processes where necessary. Leadership roles include foster positive business relationships with team members, agents and clients including but not limited to ongoing of staff and business associates.

Team Leader

Confidential

Responsibilities:

• Lead underwriting team in office and from remote positions to insure underwriters have proper support, decisioning support, and insuring daily/weekly/monthly goals on individual, departmental and corporate levels are being met. This includes development and implementation of specific action plans to help improve process/ production and underwriting adherence.
• Working closely and directly with my COO/CCO to enforce directives and to ensure complete compliance with all Corporate Underwriting Policies. Create and analyze management reports and utilize the information to maintain proper service levels within the department.
• Trained each underwriter to gain each level of lending authority while reviewing and signing off on each of their Test Cases that are submitted. This includes conducting their 2nd signatures for higher level manually underwritten loans, 2nd signatures for test case lending authority and loan declines to insure decisions are sound and conducted adhering to all Corporate Underwriting protocols.
• Mentor others to understand the loan/underwriting and guideline processes. Providing work direction and to lower level team members. Completing all managerial duties assigned. Develop, audit and manage specialized programs, teams, agents and lending relationships in territory assigned. Measure company’s exposure.
• Implementing programs to improve underwriting processes where necessary. Foster positive business relationships with team members, agents and clients across all lines of business.
• Over 70% of all loans are manual underwrites. Decision highly technical loans. Strict adherence to all company policies and auditing requirements by working closely with Audit and Quality Control department to insure parameters and requirements were being met. Thorough review of FHA/VA/ 203(k)-Streamline and Full/ 203(b)-Approve Eligible, Manual, and Escrow Repair/ USDA loans all to insure each loan is in compliance of all federal laws, regulations, bank specific policies, and credit underwriting guidelines.
• Reviewed and helped correct any QC deficiencies incurred by my underwriters and conducted appropriate make sure the whole team could learn from each deficiency so that repeated mistakes are not made.
• Responsible for making appropriate risk decisions on all types of mortgage loans with the highest level of expertise and layered risks included in agency and portfolio platforms with majority of the loans being reviewed as manual underwrites. Increasing lending portfolio through leadership and management expertise, personal accountability, and customer service efforts while making appropriate risk decisions for the company.
• Review of overall credit capacity, analyzing credit reports, all levels of income including W2’s, pay stub, 1040-all schedules, P&L’s, Balance Sheets, 1064, 1120’s and multiple business/ corporate partnership returns, rental income, and advanced asset documentation analysis. Thorough analysis of Purchase Contracts, Appraisals, titles, property insurance, HOAs, Inspection Reports. Bond and DAPs reviews. Determining the eligibility of each individual loan, review each loan for risk acceptability, appropriate programs and pricing, coverage, terms and conditions. Rendering and communicating decisions to Brokers, Mortgage Bankers and Processors including rationale behind decisions and alternative options in some cases where a decline or restructure needs to be considered. Work in partnership with all lines of business to get deal done.
• Extensive appraisal evaluations on all properties including but not limited to, SFR/PUD, Manufactured homes, Condominiums, Co-Ops, 2-4 Unit properties, Multimillion dollar estates, Residential Estates with no acreage limitation (Unless guidelines restrict or the property is in TX)
• FULL AND COMPLETE ON TRID & HUD 4000.1 NEW GUIDELINES. Consistently conducting ongoing to my employees for added support, understanding and adherence to the new policies implemented. Providing additional and support to our Loan Processors, Account Executives and Brokers as well. Up to date and proficient with all current Mortgagee Letters.

Senior DE Mortgage Underwriter IV-Builder

Confidential

Responsibilities:

• Decision highly technical builder loans. Strict adherence to all company policies and auditing requirements. Ability to work independently with a high level of authority. Loans included new builds for KB as well as various nonspecific refinances received from all sources.
• Leadership roles include foster positive business relationships with team members, agents and clients.
• Worked closely with Quality Control department to insure parameters and requirements were being met.
• Develop and Implementation of specific action plans to help improve process/ production and underwriting adherence.
• Responsible for underwriting of all types of mortgage loans with the highest level of expertise and layered risks included in agency and portfolio platforms. Thorough review of Conventional/ Non-Conforming/ High Balance Loans/ Home Equity Loans/ FHA/ VA /USDA loans to insure each loan is in compliance of all federal laws, regulations, bank specific policies, and credit underwriting guidelines.
• Extensive appraisal review on all properties.
• Responsible for making appropriate risk decisions by underwriting higher risk portfolio loans, FHA/VA, FHA-Streamlines, including FHA-Full Appraisal Evaluations-including comparable evaluations, validation of appraiser’s documented information as well as market evaluations, research and trends, loans including appraisal evaluations and manual underwriting non-conforming loans. Extensive experience with various down-payment assistance (DAP) and BOND type programs to help assist borrowers with additional funds to close loans. Extensive experience with purchases, purchase money seconds including private beneficiaries.
• Review of overall credit capacity, analyzing credit reports, all types of income including W2’s, pay stub, 1040-all schedules, 1064, 1120’s and multiple business/ corporate partnership returns, rental income, and advanced asset documentation analysis. Thorough analysis of Purchase Contracts, Appraisals, titles, property insurance, HOAs, and DAPs. Determining the eligibility of each individual loan, review each loan for risk acceptability, appropriate programs and pricing, coverage, terms and conditions. Rendering and communicating decisions to mortgage bankers and processors including rationale behind decisions and alternative options in some cases where a decline or restructure needs to be considered. Develop, audit and manage specialized programs, teams, agents and builder relationships in territories assigned.
• Increasing consumer lending portfolio through personal accountability, customer service efforts while making appropriate risk decisions for the company.

Senior Direct Endorsement Mortgage Underwriter

Confidential

Responsibilities:

• Senior Chase Private Client Mortgage Underwriter with government authority. Decision high risk, high profile and highly technical loans with multi-million dollar lending authority. Adherence to maximum of 24-hr turn time with decisions. Strict adherence to all company policies and auditing requirements. Ability to work independently with high level of authority.
• Administer ongoing for FHA underwriters to help UWs obtain their DE/CHUMS in order to create an FHA team for Tempe II.
• Leadership roles include foster positive business relationships with team members, agents and clients.
• Worked closely with Audit and Quality Control department to insure parameters and requirements were being met.
• Develop and Implementation of specific action plans to help improve process/ production and underwriting adherence.
• Responsible for underwriting of all types of mortgage loans with the highest level of expertise and layered risks included in agency and portfolio platforms. Thorough review of Conventional/ Non-Conforming/ High Balance Loans/ Home Equity Loans/ FHA/ VA loans to insure each loan is in compliance of all federal laws, regulations, bank specific policies, and credit underwriting guidelines.
• Extensive appraisal review on all properties including but not limited to, SFR/PUD, Condominiums, Co-Ops, 2-4 Unit properties, Multimillion dollar estates, Residential Estates with no acreage limitation (Unless the property is in TX)
• Responsible for making appropriate risk decisions by underwriting higher risk portfolio loans, FHA/VA, FHA-(203b-Repair Escrows, 203k) FHA-Streamlines, including FHA-Full Appraisal Evaluations-including comparable evaluations, validation of appraiser’s documented information as well as market evaluations, research and trends, loans including appraisal evaluations and manual underwriting non-conforming loans. Extensive experience with various down payment assistance (DAP) and bond type programs to help assist borrowers with additional funds to close loans. Currently working with nine different Bond/DPA programs. Extensive experience with purchases, purchase money seconds including private beneficiaries as well as construction loans and new builds..
• Review of credit capacity, analyzing credit reports, various types of income including W2’s, pay stub, 1040, 1084 income, P&L’s, all schedules, 1064, 1120’s and multiple business/ corporate partnership returns, rental income, and advanced asset documentation analysis. Thorough analysis of Purchase Contracts, Appraisals, titles, property insurance, HOAs, and DAPs. Determining the eligibility of each individual loan, review each loan for risk acceptability, appropriate programs and pricing, coverage, terms and conditions. Rendering and communicating decisions to mortgage bankers and processors including rationale behind decisions and alternative options in some cases where a decline or restructure needs to be considered. Work in partnership with Home Loan Reps to get deal done. Develop, audit and manage specialized programs, teams, agents and bank relationships in territory assigned. Measure companies exposure.
• Mentor others to understand the loan/underwriting and guideline processes. Providing work direction and to lower level team members. Managerial duties assigned.
• Increasing consumer lending portfolio through personal accountability, customer service efforts while making appropriate risk decisions for the company.

Senior Direct Endorsement Mortgage Underwriter

Confidential Home Mortgage

Responsibilities:

• Mentor peer underwriters and processors to understand Confidential loan/underwriting and guideline processes. Providing work direction and to lower level and new team members.
• Increasing consumer lending portfolio through personal accountability, customer service efforts while making appropriate risk decisions for the company.
• Responsible for underwriting of all types of mortgage loans with the highest level of expertise and layered risks included in Conventional/ Non-Conforming/ Large Balance Loans/ Home Equity Loans/ FHA/ VA (203b, 203k) /USDA loans prior to submitting loan with lender to insure each loan was in compliance of federal laws and regulations, bank specific policies, and credit underwriting guidelines.
• Making appropriate risk decisions by underwriting higher risk portfolio loans, all government loans for FHA, VA and conventional loans. FHA-Streamline and Full Appraisal Evaluations-including comparable evaluations, validation of appraiser’s documented information to support the value, as well as researching market evaluations, research and trends, VA loans including appraisal evaluations and manual underwriting non-conforming loans. Extensive experience with various down payment assistance and bond type programs to help assist borrowers with additional funds to close loans. Extensive experience with purchase money seconds including private beneficiaries.
• Understanding bank underwriting guidelines, policies and procedures along with FHA/VA appropriate government guidelines, policies and procedures. Understanding FHA/VA programs, policies and procedures.
• Determining the eligibility of each individual loan by reviewing each for risk acceptability, appropriate programs, pricing, coverage, terms and conditions. Analysis of overall credit capacity, analyzing all types of income including W2, pay stub, 1040, 1084 income, and multiple business/ corporate and partnership return income, and advanced asset documentation analysis. Thorough analysis of Purchase Contracts, Appraisals, titles, HOAs, and DAPs.
• Extensive appraisal review on all properties including but not limited to, SFR/PUD, Condominiums, Co-Ops, 2-4 Unit properties, Multimillion dollar estates, Residential Estates with no acreage limitation (Unless the property is in TX)
• Leadership roles included foster positive business relationships with banks, team members, agents and clients.
• Rendering and communicating decisions to loan originators and processors including rationale behind decisions and alternative options in some cases where a decline or restructure needs to be considered. Work in partnership with Home Loan Reps. Develop, audit and manage specialized programs, teams, agents and bank relationships in territory assigned. Measure companies exposure.
• Develop and Implementation of specific action plans to help improve process/ production and underwriting adherence.
• Corporate Coordinator for Annual Giving Initiative for charitable contribution camp Confidential n.

Regional Operations Manager/Senior Mortgage Underwriter

Confidential

Responsibilities:

• Leadership roles included foster positive business relationships with banks, team members, agents and clients. Extensive CRM- Systems experience.
• Successfully managed and underwrote from a remote location. With 32 direct reports in Underwriting, Processing and Funding.
• Develop and Implementation of specific action plans to help improve process/ production and mortgage process adherence from start to finish. Utilizing advanced negotiation skills and excellent verbal communication to insure success of my team members.
• Mentor others to understand the loan/underwriting and guideline processes. Providing work direction and to mortgage bankers, processors, closers and lower level team managers and underwriters.
• Performed Audit and Quality Compliance on each file to insure guidelines were met. Communicated auditing results with those individuals involved with each loan.
• Organize marketing to generate new clientele such as booths, fliers, advertisements and face-to-face interaction. Serve as a key interface with the clients, and lending institutions to ensure each loan is completed with the highest level of accuracy and customer satisfaction.
• Worked with everyone to identify continuous improvement opportunities and work flow, implement new procedures to ensure maximum profitability for the company. Advise sales managers as to the procedures the LO’s can take to help the loan run smooth on the back end to ensure 2-3 week closings.
• Set goals and benchmarks for individuals to meet and work closely with them on a consistent basis to ensure they are meeting the goals or at least guide them in a direction to get what they need in order to meet the goals.
• Rendering and communicating decisions to borrowers, loan officers and processors including rationale behind decisions and alternative options in some cases where a decline or restructure needs to be considered. Develop, audit and manage specialized programs, teams, agents and bank relationships in territory assigned. Measure companies exposure.
• Maintain excellent working knowledge of all jobs with in branch in order to be a resource of information for questions and problems. Provide guidance and to Processors, Closers, Mortgage Bankers, managers, title companies, appraisers and anyone else involved in the process. Act as the go to person. Mortgage Guideline/Sales guru.
• Responsible for underwriting of all types of mortgage loans with the highest level of expertise and layered risks included in Conventional/ Non-Conforming/ Large Balance Loans/ Home Equity Loans/ FHA, 203k, 203b/ VA /USDA loans prior to submitting loan with lender to insure each loan was in compliance of federal laws and regulations, bank specific policies, and credit underwriting guidelines.
• Responsible for making appropriate risk decisions by underwriting higher risk portfolio loans, Worked independently with a high level of authority, risk evaluation and judgment. Extensive experience with conventional, FHA and VA loans with various down payment assistance and bond type programs to help assist borrowers with additional funds to close loans. Experience with purchase money seconds including private beneficiaries. Understanding each banks underwriting guidelines, policies and procedures along with FHA/VA appropriate government guidelines, policies and procedures. Understanding FHA/VA programs, policies and procedures. Day to day adherence to state and federal lending laws.