Summary
Overview
Work History
Education
Skills
Accomplishments
Educationandcredentials
Qualifications Summary
Languages
Timeline
SoftwareEngineer

DAILLA RIOS

Browns Mills,NJ

Summary

Performance-driven, insightful with a proven ability to achieve and exceed all revenue and business development goals in high-pressure environments. Skilled at consulting with Loan Officers and clients to delineate and analyze financial situations while developing strategic solutions that strengthen investments. Creating and updating policies to ensure continued alignment with regulatory obligations. Relationship-development expertise that complements the ability to aggressively build a solid client base and drive revenue growth. Comprehensive knowledge of, and experience in leveraging numerous investment instruments in a variety of complex scenarios. Analyze mortgage trends, setting up and overseeing Mortgage fraud risk, developing a high performance, managing underwriting, KPI’s and Fraud Operations projects with results for the team. Proven leadership and team-building skills, coupled with the ability to direct strong teams in managing customer relationships and providing proper investment services that perform. Establishes operational objectives and work plans, and delegates assignments. Establish objectives and develop processes and procedures to ensure adherence to all regulatory requirements. Loan closing professional prepared to bring extensive industry knowledge and precision to role. Consistently ensured accurate and timely completion of loan documentation, contributing to seamless transaction processes. Known for effective collaboration and adaptability in dynamic environments, with strong focus on compliance and customer satisfaction. Offering solid foundation in financial principles and quick learner eager to develop in professional setting. Brings attention to detail and understanding of regulatory guidelines, combined with skills in data management and document review. Ready to use and develop analytical and organizational skills in Loan Closer role. Personable and detail-focused with strong aptitude for financial processes and documentation. Possesses foundational understanding of mortgage guidelines and regulatory compliance, alongside proficiency in data entry and document review. Dedicated to ensuring timely and accurate loan closures for optimal client satisfaction. Diligent Management with comprehensive background in loan closing processes and documentation. Successfully managed high-volume loan portfolios, ensuring timely and accurate completion of all required paperwork. Demonstrated expertise in compliance and regulatory adherence alongside exceptional communication skills.

Overview

26
26
years of professional experience

Work History

Audit/QC, u/w for closed loans

The Money Source
10.2013 - Current
  • Audit/QC, u/w for closed loans also for insurance and foreclosures lost mitigation audits, currently holding my D/E- Conv (Fannie and Freddie), and USDA, VA, 203k with Wholesale/Retail underwriter experience, Correspondent review and underwriter, DE (Direct Endorsement), 203K, VA LAPP SAR, USDA and Fannie and Freddie Mac
  • Product guidelines training and underwriting training also conditions clearing

VA-D/E- Conv underwriter/AVP-Team Lead

American Financial Resources
04.2012 - 09.2013
  • Wholesale, FHA, USDA, 203K trainer and Liaison for product guidelines for Wholesale and Retail Fannie & Freddie and Government
  • Clearing Audits, for Conv., Govt., VA, USDA, and Non-QM experience in building, analyzing, and continuous improvements on policy changes

Team Lead

Residential Home Funding
08.2009 - 04.2012
  • Company Overview: Parsippany, NJ
  • D/E, USDA, 203K, VA, Non-QM and Conv Underwriter Retail, policy review and drafting process
  • Assists with creating and updating policies to ensure continued alignment with regulatory obligations
  • Reviewed and approved policies with the Risk Management Committee, Forensic Underwriting, Mortgage QC audits, issues KPI’s, training
  • Parsippany, NJ

VP Underwriting Operation

Hawthorn Capital Corp.
04.2007 - 05.2009
  • Company Overview: New York, NY
  • Built a solid processing and underwriting department in New Jersey with a record of achievements, through increasingly responsible underwriting of loan investments
  • Manage relationships-banking team with keen focus on maximizing revenue with loan officers and brokers and territory profitability
  • Lead team in structuring and underwriting loans for all available products offered by investors, and delivery of customer service management techniques
  • Collaborate with brokers to assess individual financial situations and develop strategic financial solutions for each loan
  • Oversee securities transactions, funds transfers, all types of account warehousing and meeting guidelines for proper sale of each loan
  • New York, NY
  • Consistently maintained 100% or better of established production goals; achieved and surpassed maximum closing over corporate office with business development goal in closing set at $10 million a month and/or above for our office and closing and funding $140-200 million a month
  • Recognized for outstanding professional acumen, escalation point of contact, cleared deficiencies within time, and reviewed with Risk Dept., performs second reviews

VP Operation VA-D/E Underwriting Manager

Omega Financial Services Inc.
08.2006 - 03.2007
  • Company Overview: Union, NJ
  • Build a solid Correspondence Lending Company for Broker office
  • Set up all new lenders, warehouse banks, provided all test cases needed to HOC office to get approved as a Full Eagle within a record time of three (3) weeks brought monthly closings from $50 million a month to $120-$140 million which was the maximum allowed by warehouse banks
  • Established and maintained strong relationships with all loan officers and brokers with secondary investors for the sale and performance of each loan
  • Union, NJ
  • Surpassed customer retention and business development goals by building the correspondence mortgage office and was acknowledged by being referred by HUD to the MBA to serve and take the 3rd place advertising which was held by First Magis on the MBA newspaper reflecting this company for most closed and performed government loans for the year 2007, out of all NJ’s correspondence lenders

VP Underwriting Operation Manager

Ark Mortgage Inc.
08.1998 - 07.2006
  • Company Overview: Saddle brook, NJ
  • Developed a strong base for performing loans, through training seminars with loan officers and processors, which reflects exceptional interpersonal skills including writing and oral with outstanding customer service skills
  • Ensured client retention by providing strategic investment recommendation based on evaluation analysis of fixed income and equity lending
  • Employed numerous loan officers and processors giving maximum training for strong loan development and performance
  • Completed all QA issues and cleaned entire pipeline, provided all needed help in all areas such as processing, closing, shipping, warehousing, funding of loans to secondary lender
  • Independently performed comprehensive evaluation on complex, high risk loans applications with my assistance in identifying and/or recommending alternative loan structuring and or loan requirements, review and analyzed loan conditions and exceptions requests, able to work under pressure, with the ability to manage time effectively in order to meet deadlines, also analyze interpret technical procedures or government regulations, reviewing loan attributes and document for soundness and accuracy with reviewing and evaluation of loan risk issues and potential misrepresentation
  • Saddle brook, NJ
  • Consistently exceeded established account development and revenue-generation goals
  • Executed strategic sales techniques resulting in a solid account base with loan officers and consistent performance above quotas

Education

Professional Training in Business Development - Leadership and Team Building and Developing and Drafting Policies

Associate of Science - Paralegal Studies

Keiser Online
Florida Gardens, FL
04-1989

High School Diploma -

Forest Park High
Cincinnati, OH
06-1982

Skills

  • Loan origination
  • Data collection
  • Document review
  • File management

Accomplishments

  • Documented and resolved Documents which led to Loan closing and funding.
  • Collaborated with team of 15 in the development of Underwriting Team.
  • Achieved Cleared loans by completing 24 hour turn time with accuracy and efficiency.
  • Used Microsoft Excel to develop inventory tracking spreadsheets.
  • Supervised team of 15 staff members.
  • Resolved product issue through consumer testing.
  • Achieved closed loans through effectively helping with underwriting task.


Educationandcredentials

  • Professional Training in Business Development in Leadership and Team Building and Developing and Drafting Policies.
  • Experience drafting documents, including reviewing, and editing.
  • Excellent written and verbal communications skills to professionally address a wide and varied audience.
  • Organizational and time management skills are sufficient to handle multiple priorities in a fast paced and ever-changing environment.
  • Project management skills and experience sufficient to successfully complete long and short-term projects.

Qualifications Summary

  • Performance-driven, insightful with a proven ability to achieve and exceed all revenue and business development goals in high-pressure environments.
  • Skilled at consulting with Loan Officers and clients to delineate and analyze financial situations while developing strategic solutions that strengthen investments.
  • Creating and updating policies to ensure continued alignment with regulatory obligations. Relationship-development expertise that complements the ability to aggressively build a solid client base and drive revenue growth.
  • Comprehensive knowledge of, and experience in leveraging numerous investment instruments in a variety of complex scenarios. Analyze mortgage trends, setting up and overseeing Mortgage fraud risk, developing a high performance, managing underwriting, KPI’s and Fraud Operations projects with results for the team.
  • Proven leadership and team-building skills, coupled with the ability to direct strong teams in managing customer relationships and providing proper investment services that perform. Establishes operational objectives and work plans, and delegates assignments. Establish objectives and develop processes and procedures to ensure adherence to all regulatory requirements.

Languages

Spanish
Native or Bilingual

Timeline

Audit/QC, u/w for closed loans

The Money Source
10.2013 - Current

VA-D/E- Conv underwriter/AVP-Team Lead

American Financial Resources
04.2012 - 09.2013

Team Lead

Residential Home Funding
08.2009 - 04.2012

VP Underwriting Operation

Hawthorn Capital Corp.
04.2007 - 05.2009

VP Operation VA-D/E Underwriting Manager

Omega Financial Services Inc.
08.2006 - 03.2007

VP Underwriting Operation Manager

Ark Mortgage Inc.
08.1998 - 07.2006

Professional Training in Business Development - Leadership and Team Building and Developing and Drafting Policies

Associate of Science - Paralegal Studies

Keiser Online

High School Diploma -

Forest Park High
DAILLA RIOS