I have
Over 24 years' experience in the Mortgage Lending profession, with a strong
background in underwriting and management. I have a demonstrated track record of successfully managing both
underwriting and mortgage audit teams. Consistency in creating a positive and efficient work environment not
only with my team, but across other departments is paramount to me. Getting the right person in the right place is my
specialty. Creating clean and salable loans is a top priority.
I still do front line underwriting and
auditing, if not as an underwriter, as a second set of eyes on declines and
spot
checks. I always remember, be it the borrower
or my teammates, the relationship is everything, and everyone will
always be treated with dignity and respect.
Overview
9
9
years of professional experience
1
1
Certification
Work History
QA Risk Underwriter 4
Citibank
1600 Las Colinas Blvd., Irving, TX
03.2015 - 02.2017
I was one of four auditors for the entire company that performed a full
due diligence underwrite/audit on all government immediately prior to
being sent to agency.
VP Mortgage Manger
American National Bank of Texas
102 West Moore Ave, Terrell, TX
12.2013 - 11.2014
Manage
the back office team of 15 that includes processing, underwriting, closing,
compliance pre-closing audits,
HMDA, post closing, booking and shipping.
Responsible for writing the Quality Credit Policy for their FHA
application
and revising the conventional QCP.
Completed the application process to enable the
bank to receive their FHA lender ID with the Department of
Housing so that they may originate FHA loans.
I
also did the same process with the VA and renewed their relationship with the
USDA.
Participated in a team that was brought in to
find ways to develop and implement ways to streamline our
procedures and find cost cutting opportunities
for the bank. We were able to find 67 viable ways
to save over a million dollars for ANBTX without the need to
add any additional FTE.
Worked
closely with other teams in the bank, such as sales and compliance to create a
more cohesive relationship
with our group and theirs.
Worked
with our IT department to create a Mortgage Department shared drive that we are
going to co-own with
our sales partners.
To date we have all of our portfolio product
guides uploaded as well as agency selling guides, updates and helpful
tools and tips.
Wrote processing procedures.
VP Underwriting Manager
J P Morgan Chase
Fort Worth, Texas
07.2007 - 11.2013
Underwriting all mortgage types Mortgage
Managing as many as 90 Sr. Underwriters of all skill levels
from contractors to conventional and government.
Coached and grew conventional staff underwriters to receive
their DE designation with the Department of Housing.
Participated in teams that developed and vetted Chase
credit policy and made changed to keep up with industry updates and trends.
Managed a team of 24 Loan Quality Underwriters that audited
the underwriting of Sr. Underwriters. These quality rating determined their
ability to maintain lending authority.
Education
High School Diploma -
Rockwall High
1985
Skills
Skilled DE and SAR/LAPP
since 2000
Self-motivated
and a self-starter
Passionate
about motivating people to do their best
Strong
experience in Human Resources and how to navigate
with staff