Seasoned mortgage industry professional with the capacity to cultivate strategic relationships and steering positive bottom-line results. A positive, innovative leader championing an environment of superb communications and inspires teams to excel. Effectively utilizes a participatory management style that promotes and encourages accountability, teamwork, continuous improvement, efficiency and results.
Adaptable and analytical problem-solver with strong attention to financial detail. Well-versed in risk assessment and regulatory compliance, with proficiency in credit analysis and loan evaluation. Committed to driving sound lending decisions and ensuring financial stability.
Work History
AVP of Operations
Alterra Home Loans
Leveraged technology solutions to automate repetitive tasks, freeing up time for more strategic decision-making activities.
Evaluated emerging trends within the industry, staying ahead of competitors through innovative strategies and best practices adoption.
Optimized resource allocation for better cost management and increased profitability.
Ensured compliance with industry regulations through diligent monitoring practices and proactive policy updates.
Implemented data-driven strategies to identify areas of improvement, leading to enhanced operational efficiency.
Facilitated interdepartmental coordination efforts to streamline operations, achieve common objectives, and optimize overall performance levels.
Collaborated with cross-functional teams to develop and implement new policies and procedures, resulting in positive organizational change.
Managed the operational pipeline to ensure seamless workflow and timely project completion.
Managed post-closing conditions to ensure compliance with regulatory requirements.
Developed and delivered comprehensive mortgage training programs for staff, enhancing operational efficiency.
Monitored and enforced compliance protocols to uphold operational integrity.
Managed mortgage underwriting activities, ensuring timely and accurate processing of applications.
Underwrote FHA loans, ensuring compliance with federal regulations and company policies.
Senior Mortgage Underwriter
Blue Brick Financial, LLC
Reviewing and verifying loan applications and supporting documentation
Analyzing loan risk and requesting additional information as necessary
Ensuring compliance with regulatory standards
Ensuring compliance with company policies and guidelines
Documenting and effectively communicating reasons for the approval/rejection of loans
Good working knowledge of mortgage loan processing and relevant legal regulations
Calculate, analyze, evaluate, and make independent decisions on credit, income, assets and risk to determine the income or probability of repayment for loan requests
Communicate the decisions (approvals/denials) of all credit applications to their appropriate parties (Loan Officers, Managers, Processors)
Provide loan support to all loan processors and loan officers
Verify loan documentation for accuracy, completion, and adherence to policies and procedures
Establish documentation requirements on all approved applications that meet standards set by internal/external guidelines
Knowledgeable of all FNMA/FHLMC lending policies and procedures as well asState and Federal lending laws, rules and regulations
Perform other duties as directed by leadership
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Verified integrity of applicants' information to minimize fraud.
Corporate Trainer
Panorama Mortgage Group, LLC
Responsible to support mortgage operations of the Company by designing, creating, and executing training for all departments
Develop procedures and ensure their alignment with Panorama Mortgage Group’s strategic and tactical objectives
Train, motivate and guide all departments in all functions of processing, closing and underwriting, including traditional and automated underwriting requirements and brokered guidelines
Conduct continued education training companywide
Learn and maintain knowledge of all company used loan programs
Monitor and assess guideline changes to develop announcements (FHA, VA, USDA, etc.)
Advise Operations Management on recommended changes to Company policies, procedures, internal controls, and processes to meet regulatory and other requirements
Maintain Processing and Closing policies and procedures
Assist with developing of a tracking system for loan deficiencies, quality control and identified trends
Work with each brand to ensure consistency in processing and closing conditions and interpretation of guidelines
Work with Encompass Administration to improve efficiencies and workflow for all departments > Develop training for all new loan products and processes being introduced
Support the Processors, Closers and Underwriter’s direct manager with aspects of onboarding process, such as training, technical advising, etc
Collaborate with other Trainers and Learning and Development Manager on design, execution, and coordination of training program
Interact with all brands, agencies, and investors on credit policy topics
Conducted evaluations and observed employee performance to identify areas of needed improvement.
Enhanced corporate culture by conducting team-building activities and workshops.
National Builder Division/Spousal Patriot Division – Operations Manager
The Federal Saving Bank
Supervised the daily operation of Originators, Processors, Closing Coordinators and other personnel
Interviewed, evaluated, and hired Processor candidates
Trained new processors/prepared training materials for new products/educated new hire classes
Defined annual Branch objectives; developed operating plan; including budgets and manpower requirements
Monitored and controlled monthly income and for the Regional Manager and met volume/income projections/expense control of Executive Management
SW Processing Support/SW Processing Supervisor
On Q Financial, Inc.
Direct supervision of32 direct hires in the company’s largest region including developing and coaching new processors to maximize top performance
Prepared training materials for new products
Developed Efficiency Team to simplify the company’s process flow
Processed confidential employee loans, reverse loans, and transition loans
SW Processing Team Lead/Senior Loan Processor
DHI Mortgage
Processed files from Loan Officer through Final Approval
Daily pipeline management to include all phases of reporting
Mentored, evaluated, and hired new loan processors
Senior Mortgage Loan Processor at Panorama Mortgage Group LLC DBA Alterra Home LoansSenior Mortgage Loan Processor at Panorama Mortgage Group LLC DBA Alterra Home Loans
VA Eligibility and Entitlement Analyst at Newrez Home Loans (Formally Caliber Home Loans)VA Eligibility and Entitlement Analyst at Newrez Home Loans (Formally Caliber Home Loans)