Talented professional considered knowledgeable leader and dedicated problem solver. Brings 20 years of valuable expertise to forward company objectives. Attentive to detail with experience in analytical thinking, multiple software programs, strong organizational skills and understanding policy/procedures.
Overview
22
22
years of professional experience
Work History
Residential Real Estate Appraiser
Home Appraisals, LLC
10.2020 - Current
Took photographs of interior and exterior of buildings to properly document features and conditions.
Gathered information on nearby properties to compare and help make value determinations on properties.
Inspected new and existing properties and noted distinctive characteristics.
Remained current on local areas through actively researching and garnering understanding of community values.
Calculated estimations of property values based on replacement costs, depreciation and property income potential.
Determined the current value of new constructions and building improvements with detailed inspections.
Consumer Loan Underwriter/Loan Officer
Wells Fargo Home Mortgage
12.2009 - 10.2020
Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
Maintained in-depth understanding of USDA, FHA, VA, FNMA and FHLMC loan requirements.
Maintained a high level of expertise on policy, procedure and compliance for each investor.
Conducted in-depth calculations and on mortgage loan decision tool to identify any formula error, document the error and report it up to management to determine fix for tool needed.
Completed audits for team members testing for their delegation of authority for the following investors: FHA, VA, GSE.
Conducted random audits on lower performing team members, provided performance feedback to manager to improve overall performance.
Extensive knowledge on all types of income sources and documents in order to accurately cashflow borrowers for an accurate decision (Taxes, paystubs, 1099, Profit and Loss, etc).
FHA Auditor to audit test cases for less experienced underwriters to gain their 2F certification.
Created and conducted training specifically regarding cashflow and debt reconciliation.
Compliance Specialist
Wells Fargo Home Mortgage
10.2006 - 12.2009
Directed and implemented strategic improvement plans to integrate solutions to audit findings and workflow process issues.
Partner with Credit Risk Management and compliance to do monthly reviews on loans to ensure quality.
Worked with all levels of management to ensure departments were following compliance rules.
Provided support to staff regarding credit/underwriting policies and procedures.
Compiled data from internal sources to identify areas of weakness requiring immediate compliance remediation.
Organized and led compliance meetings with management staff and stakeholders to discuss emerging risks.
Executed regulatory remediation and audit remediation deliverables.
Reviewed corporate policies and initiated new processes to improve objectives.
Coordinated with department leads to promote adherence to new standards and updated requirements.
Developed and implemented improved system controls, preventing reoccurrence of compliance issues.
Completed detailed reports showing evidence of compliance issues and recommending corrective actions.
Oversaw employee training on compliance strategies.
Business Training Consultant
Wells Fargo
09.2001 - 10.2006
Evaluated success of training programs and recommended improvements to upper management to enhance effectiveness.
Consulted with organization management to assess needs and plan improvements.
Developed and delivered functional related training modules and materials for new hires and existing team members.
Recruited, developed, coached, and retained staff.
Act as team lead and backup in absence of supervisor and provide performance feedback to team members.
Achieved target results by enhancing and changing teaching strategies to maximize progress.
Monitored employee work to assess performance and identify knowledge gaps.
Organized training for new team members and routine retraining for established employees.
Maximized employee performance with hands-on training and close mentoring.
Prepared executive reports using operational, output and revenue data.