Experience with Encompass, FNMA, FHMLC, NON QM, Jumbo Loans , and Knowledge of DU/LP. ASSC. Certified Lean Six Sigma Green Belt (ICGB). Lead and develop a team of Mortgage operations directors, supporting in skill, leadership and growth. Maintain a sound knowledge of secondary marketing activity, investor guidelines, and industry practices. Continuously look for ways to improve processes, both in terms of procedures and use of the LOS system to ensure continuous efficiency and customer service improvement and to reduce errors. Experience in Fair Housing regulations, TILA, RESPA, TRID, HMDA, ECOA & UDAAP. Versatile mortgage professional with background in banking and finance. Consistently meet bank and customer service standards. Ready to tackle new challenges in position within mortgage industry where talents in skills will be valuable. Well-qualified financial systems leader offering demonstrated skill and success in managing internal accounting processes, improving controls and strengthening systems for optimal performance. Proficient in all aspects of accounting, including accounts payable and receivable, budget administration and payroll. Gifted in building and leading solid teams to handle high-volume operations with consistency, accuracy and full compliance with regulatory requirements. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Work History
Director of Mortgage Lending
Keypoint Mortgage
Jacksonville, FL
10.2019 - 03.2022
Maintain sound knowledge of secondary marketing activity, investor guidelines, and industry practices
Make appropriate adjustments to processes, systems, and personnel and manage credit policy based on investor and regulatory guidelines, including overseeing loan-level exceptions
Lead and develop team of Mortgage operations directors, supporting in skill, leadership and growth
Collaborate with Secondary Markets to develop competitive mortgage product mixes and pricing
Continuously look for ways to improve processes, both in terms of procedures and use of LOS system to ensure continuous efficiency and customer service improvement and to reduce errors
Support in initiative to become direct seller to Fannie Mae and Freddie Mac,
Establish reporting and identifying trends to provide recommendations to senior mortgage management regarding opportunities to improve efficiency, productivity, and customer experience
Survey real estate department training needs, analyzes information obtained and initiates changes to web based and classroom training programs
Make appropriate decisions regarding resolution of complex training needs
Responsible for all aspects of mortgage lending including but not limited to origination, underwriting and servicing and collaborate with Sales team to create exceptional customer experience for buyers and agents
Monitor and modify as needed mortgage lending programs including but not limited to products, rates, terms and fees; manage key vendor/partner relationships; identify member and economic trends
Ensure loan policies, procedures and guidelines are developed and implemented to meet regulatory and strategic goals and objectives
Identifies areas of growth and evaluates new market potential to implement products and services to meet organizational goals and Collaborate with product, engineering, and mortgage tech teams to optimize systems to automate and streamline workflows
Responsible for assisting third party audits of mortgage quality
Ensure all NMLS licensing requirements are met and maintained
Oversee and coordinate with Information Technology department to triage mortgage related IT tickets to determine if system issues exist or if user training is solution
Coordinates with Information Technology department in testing service requests (SRS) requiring changes/updates to origination systems, then oversees development of appropriate and comprehensive training materials and programs to communicate changes to originations staff.
Complied with established internal controls and policies.
Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
Conducted monthly inventories of raw materials and components on work floor.
Reviewed performance data to monitor and measure productivity, goal progress and activity levels.
Compiled data highlighting key metrics to report information, determine trends and identify methods for improving store results.
Prepared and recommended long-range plans for development of department personnel.
Established and administered annual budget with controls to prevent overages, minimize burn rate and support sustainability objectives.
Mortgage Underwriting Manager, Non QM
Digital Risk/US Bank
Jacksonville, FL
03.2016 - 10.2019
Assign and distribute files to underwriters and manage overall workload including load balancing and management of rush requests
Develop KPIs and monitor staff performance against stated objectives
Act as senior-level resource for underwriters and answer procedural, product, or systemic questions as it arise
Identify process optimization opportunities
Review underwriting reports to ensure adherence to workflow process
Participate in client underwriting meetings
Hire, train, and manage underwriting staff
Act as escalated point of contact for problem resolution
Ability to work independently and handle multiple priorities under stringent timelines
Accomplished multiple tasks within established timeframes.
Onboarded new employees with training and new hire documentation.
Cross-trained existing employees to maximize team agility and performance.
Maximized performance by monitoring daily activities and mentoring team members.
Evaluated employees' strengths and assigned tasks based upon experience and training.
Adjusted job assignments and schedules to keep pace with dynamic business needs, factoring in processes, employee knowledge and customer demands.
Developed and maintained relationships with customers and suppliers through account development.
Established and updated work schedules to account for changing staff levels and expected workloads.
Delivered feedback to decision-makers regarding employee performance and training needs.
Approved regular payroll submissions for employees.
Applied customer feedback to develop process improvements and support long-term business needs.
Raised performance in areas of sales, management and operations by identifying and targeting areas in need of improvement.
Conducted monthly inventories of raw materials and components on work floor.
Recorded inventory sales into organization's weekly income report.
Reviewed performance data to monitor and measure productivity, goal progress and activity levels.
Senior Non QM Underwriter
Digital Risk
Jacksonville, FL
06.2013 - 06.2015
Frontline underwriting of Non-QM loan products
Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations
Performing manual underwriting, requiring detailed familiarity with various loan programs
Executing appraisal analysis to determine that acceptable collateral standards are met
Communicating credit risk decisions to partnering individuals within company, correspondents, or borrowers
Achieving productivity standards
Performing due diligence quality review of partnering underwriters, by providing detailed review of retail and correspondent approved loans, including credit, income, and asset analysis and findings
Additional related duties may be assigned, as required.
Verified integrity of applicants' information to minimize fraud.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Checked personal and team calculations to validate information and underwriting decisions.
Trained junior team members in underwriting procedures and loan quality grading standards.
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Senior Underwriter
Mortgagease Of Jacksonville
Jacksonville, FL
09.2009 - 06.2013
Underwrite loans in accordance with guidelines
Collect, analyze, and approve all required due diligence
Perform property and market assessments to evaluate property conditions and market/submarket dynamics
Mentor and train junior staff
Review and analyze application documents provided by consumers
Calculate available consumer cash flow based upon documentation received
Reconcile debt/expense amounts and ratios
Review and assess credit reports
Issue underwriting decisions using client’s process, procedures, credit guidelines and systems
Document underwriting review in LOS such as Encompass
Maintain required production and quality standards
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Verified integrity of applicants' information to minimize fraud.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Checked personal and team calculations to validate information and underwriting decisions.
Trained junior team members in underwriting procedures and loan quality grading standards.
Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
Monitored pipelines to track and log status of loans.
Explained very technical financial information to applicants in easy to understand language.
Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Assessed aging accounts and initiated collection strategies based on conditions.
Education
Bachelor of Science - Building Science
Sail University
Winter Park, FL
06.2015
Skills
Residential mortgage lending regulations
Mortgage lending requirements
Mortgage lending
Utilized Troubleshoot Active Directory, Office 365 and range of Microsoft Office suites
Proficient In Microsoft Office
Written And Verbal Communication
Managerial Experience
Flexible and Adaptable
Collaboration
Conflict Resolution
Self-Motivated
Self-motivated professional
G-Suite
Active Listening
Good listening skills
Decision Making
Responsible
Data Entry
Certification
March 2015 to Present
The IASSC Certified Lean Six Sigma Green Belt (ICGB) well versed in the core to advanced
elements of Lean Six Sigma Methodology, leading improvement projects and serves as a team
member as a part of more complex improvement projects lead by a Certified Black Belt.
Languages
English
Full Professional
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Judge a man by his questions rather than his answers.
Voltaire
Timeline
Director of Mortgage Lending
Keypoint Mortgage
10.2019 - 03.2022
Mortgage Underwriting Manager, Non QM
Digital Risk/US Bank
03.2016 - 10.2019
Senior Non QM Underwriter
Digital Risk
06.2013 - 06.2015
Senior Underwriter
Mortgagease Of Jacksonville
09.2009 - 06.2013
Bachelor of Science - Building Science
Sail University
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