Summary 

• 10+ years in finance profession encompassing 5 years in a management role with extensive training and experience in credit, appraisal analysis and fraud prevention. Knowledge comprised of Conforming, Non-conforming, FHA, VA, CONV, HAMP, and Subprime loans. I have an extensive history of improving efficiency, and quality of processes for underwriting staff within the mortgage and financial industry. My expertise in mortgage operations and underwriting covers Risk Management, Default Servicing and the Wholesale & Retail Channels.

Core Skills and Qualifications 

• Seasoned Underwriter/Manager with over 10 yrs experience Underwriting Property & Credit
• In-depth knowledge of real estate lending products, regulatory compliance and secondary market guides
• Maintained signing authority up to $1mil
• Excellent customer service oriented, technical and analytical skills with the ability to conceptualize and provide practical solutions while balancing risk and business considerations.
• Able to provide technical guidance, motivate, monitor and develop subordinates to maintain a knowledgeable and qualified staff
• Proficient in Microsoft Office, Excel, PowerPoint
• Well versed in current mortgage banking and consumer lending practices, particularly an in-depth understanding of product and underwriting policies with ability to apply knowledge in a managerial capacity
• Planning and organizing skills and ability to manage multiple priorities
• Demonstrate effective, leadership strong and listening, prioritization and time management
• Effective and efficient customer service skills with internal and external customer communications
• Demonstrated judgment, logic and reasoning skills
• Ability to partner with all levels of management to ensure effective implementation of time-sensitive initiatives and identify deficiencies and opportunities for improvement
• Possess strong planning/organizational problem solving, analytical listening and written and oral communication skills and able to demonstrate proficiency in developing and articulating persuasive arguments (MI Claims)
• Background in residential mortgage loan underwriting, compliance, forensic underwriting, mortgage loan repurchases, quality control audit reviews or loan originations
• Ability to express ideas and clearly convey reasoning of decisions in written or oral communication
• Bring value and positive growth to a team of mortgage professionals while mentoring and coaching, loan leveling and goal setting.
• Demonstrated ability to exercise consistency and sound judgment
• listening, prioritization and time management Demonstrate strong and effective, leadership
• High degree of attention to detail

Leadership & Managerial Skills/10+ years Underwriting/FNMA/FHLMC/ VA/FHA/Bond/HAMP/Credit & Fraud Investigation/ Risk Management/Post Closing Review/ Income Analysis/ HAMP Loans/Appraisal Review & Value Theory/High Risk Loans/Auditing/Lexis Nexis/Pacer/Accurint/Fraud Guard/Deal Factory/Microsoft Excel & Word/ Strong Computer Skill/Jumbo/DU/LP

Professional Experience 

Site Operational Risk Accessor

National Underwriting and Production Risk Management
1/2012- Current
Confidential 
National quality inspection of loan files including FHA, VA, Non-Conforming, VA and Conventional Mortgage loans. -Mentoring and coaching to peers and partners within Fulfillment 
Participate in weekly/daily meetings and National Conference calls regarding audit findings, training development of underwriters, loan quality, and keeping abreast of market changes and company procedure changes

Sr. Underwriter- Post Closing

2010 to 2011
Confidential–

• Reviewed closed loans for adherence to established loan guidelines. Responds to internal and external audits/inquiries and recommends bank actions arising from the review.
• Responsible for analyzing and responding to mortgage insurance rescission claims of a breach of representations and warranties of the Bank\'s residential mortgage contracts for all counter parties, including GSE\'s & other government entities, private investors, bond insurers, and mortgage insurers, and asserting claims against counterparties who sold residential mortgages to the investor where the investor believes they have breached the representations and warranties of the contracts
• Provide written appeals in those instances where the allegation does not meet the requirements of a breach of the respective mortgage contracts.
• Review individual mortgage origination/post origination documentation and performs database research to obtain information needed to analyze the claim to determine if the loan was originated consistent with applicable underwriting practices and loan program guidelines.
• Assess whether an alleged breach is material when applicable under the terms of the respective mortgage contracts.
• Analyze origination documents and determines whether any inconsistencies may be indicative of potential mortgage fraud
• Perform detailed review of appraisal for one-to-four family residential properties to determine acceptability of security for portfolio loans and loans sold to investors
• Address elevated loan questions and issues from lower level auditors.
• Conduct a variety of pre-funding, rebuttal, forensic, and retrospective (post purchase) quality control loan reviews on performing and/or non-performing loans purchased
• Formally present findings in writing to the client and assemble exhibit packages that support audit findings.

Sr. Underwriter/ Team Lead

2009 to 2010

Confidential – San Antonio, TX

• Responsible for auditing underwriter decisions of approval or declines for the HAMP modification program.
• Analyze customers financial situation and ensure correct calculations and methodology was utilized in determining eligibility for modifying home loans
• Direct underwriters on the most complex transactions and ensure business originated is in accordance with credit policy, investor guidelines and regulatory compliance.
• Underwrite VA, Conventional and HAMP Loans
• Train subordinates to have good communication and negotiation skills and detailed knowledge of all loan programs, investor requirements, regulatory limitations and underwriting standards.
• Providing department staff with performance feedback, staffing, conducting disciplinary actions, ensuring employee communications, monitoring work product, and is responsible for the team overall performance
• Controlling quality of loans and insuring sound department operating procedures
• Keeps abreast of underwriting developments in the insurance industry and ensure that subordinates apply such underwriting activities when applicable.
• Ensure the Underwriting team work load is balanced proportionally and meeting daily volume demands
• Ensure that all Underwriters follow operational systems, processes and policies for lending decisions
• -Manage, train, lead and motivate direct team members and conduct regular meetings ensuring open productive communication.

Forensic Underwriter

2008 to 2009

Confidential– Dallas, TX

• Repurchase analysis of closed and funded mortgage loans to determine inconsistencies and violations of client guidelines and to determine if a breach of representation and warranty justifies a repurchase to the seller.
• Forensic underwriting analysis of closed mortgage loans to rebut and defend loans that have been rejected initially by buyers and preparation of rebuttal responses to insurance companies for mortgage insurance rescission claims.
• Worked one on one with high profile attorneys daily for the preparations of files being
• presented to court.
• Prepare findings report to present to management for recommendation of action.
• Confirm application information (1003) against other documents within the file: to validate employment, verifications, income, assets, etc. Identify underwriting/data discrepancies and other diligence issues.
• Verify and validate income, assets and liability documentation to support underwriting decision.Calculate and re- verify income structure (employment verification, tax returns, divorce deposits, gift funds, IRA, 401K, sale of assets, etc.).

Underwriting Manager

2004 to 2007

Confidential– Dallas, TX

• Leading a team of approx 8 direct reports to review case work for accuracy and to ensure all department and banking procedures have been followed.
• Stay abreast of all policy and procedure guideline changes so that my team can maintain an audit pass rate of 92% or greater.
• Other key responsibilities are to edit letters, ensure customer contacts and resolutions were obtained, and to work closely with the production department so production and quality goals are consistently met or exceeded.
• Coach, mentor and develop Underwriters and ensure a consistent application and interpretation of credit policy to all of the Underwriters within the channel
• Partner with the Processing Manager to ensure pipeline control progression.
• Determined work priorities and scheduled work assignments, evaluate work performance and recommended personnel actions
• Coordinate with other Lines of Business to ensure pipeline progression
• Review the more complex, higher dollar loan requests with the Underwriters to ensure compliance with Bank policies and procedures
• Reviewed recommended loan denials to ensure accuracy of all declines and compliance to the Community Reinvestment Act (CRA) guidelines.

Education 

Confidential Institute 
Degree in Finance