Rush Mars

Spearheaded the roll out of the DSCR commercial investor loan program. Performed in-depth financial analysis and underwrote loan applications utilizing debt ratios, credit reports, and asset verification. Specialized in post-closing audits and provided underwriting resolutions to senior management in order to mitigate loan conditions prior to securitization sells in the secondary markets. Loan portfolios ranged from 50 -200 loans per securitization.

• Managed timeline based projects for various lending companies such as Penny-Mac, Dominion Capital and Caliber Home Loans.
• Communicated findings and developed efficient reporting methods to streamline audit processes and securitization sells.
• Identified UW compliance issues, reviewed and analyzed loan package then provided solutions to mitigate loan conditions.

Promoted to Senior Underwriter in Fall of 2020. Originated 53 million in loan volume. Approved or declined commercial loan requests within assigned limits. Recommended credit approval requirements including the establishment of financial performance covenants, monitoring requirements, and other loan provisions and ensured accurate grading of new and existing credits based on analysis.

• Evaluated applications to determine repayment ability and appropriate risk classifications.
• Guided borrowers through entire loan process by obtaining required documentation and providing regulatory disclosures.
• Verified financial suitability and creditworthiness by reviewing tax returns, credit reports, bank statements, P&L's , balance sheets, debt schedules, personal financial statements and 3 year financial projections.

Developed and grew a commercial client portfolio, focused on the small and medium enterprise client segment. Served as a "trusted advisor", cultivated relationships with clients based on the clients' business objectives and lifecycle. Originated both credit and non-credit opportunities and expanded existing relationships to drive profitable revenue growth and quality credit.

• Exceeded production goals. Funded roughly 7.8 million in loans.
• Established referral network with brokers, M&A firms, CPA's, tax professionals and business development centers to cultivate leads sources and create partnerships.
• Reviewed, documented, closed and disbursed complex commercial or commercial real estate for SBA 7(a)and 504 loans in conjunction with other SBA personnel and commercial banking teams.

Licensed realtor that specialized in locating single family homes and structuring deals for real estate investors in Dallas. Made over 100 outbound calls per day. Team closed 3M in RE sales.

• Maintained connections with clients to encourage repeat business and referrals.
• Wrote contracts to outline sales and purchases of properties.
• Advised and informed prospective clients on current market activities and conditions.

Promoted from Sales Support Representative to Corporate Sales Account Manager. Presented brand sales presentations to Franchise Owners, Real Estate developers and REIT Fund Managers. Led expansion of the Hilton brand in the global markets, increased sales revenue, and retained contracts with corporate clients.

• Exceeded 2016 production goal. Generated 6 million in revenue.
• Networked with property management, revenue managers, and portfolio owners to discuss annual goals, areas of improvements.
• Negotiated and closed contracts with executive clientele, travel agencies and property managers.

Audited post closed mortgage loans according to FNMA, FHLMC, FHA and VA guidelines. Performed due diligence reviews for accuracy and acceptability as the role of Quality Assurance Assessed applicants financial and credit risk profile.

• Had a 97% accuracy and compliance rating based on internal audit metrics.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines prior to securitization sells in the secondary market.
• Worked with processing and underwriting team members to communicate errors and obtain missing information for approved loans.