Senior Underwriter/Manager

Synopsis                     

 

Strong interpersonal, communication, problem-solving and team management skills.  Excellent business judgment, flexibility and the ability to manage multiple priorities independently.  Self-starter with confidence to build and maintain successful relationships with key customers and business partners.  Proven ability to perform in a team environment and excel in a results-oriented, collaborative mode. Strong computer skills with proficiency in MS Office, multiple mortgage databases and web-based applications. Proficient in both English and Spanish, written and spoken.  Ten (10) years of management experience in the mortgage industry.

 

George Mason Mortgage

 

Senior Underwriter (DE certified, VA SAR)                                                                            5/2012 - Present

 

  • Underwrites loan files (Conventional, FHA, VA, 203-K and Jumbo) to investor guidelines as assigned daily by the Underwriting Manager
  • Underwrites 6-10 loans per day
  • Maintains current guidelines for each investor and product type
  • Attends underwriting meetings
  • Reviews loan files with Underwriting Manager that do not meet program guidelines
  • Responsible for complying with the various rules, regulations, policies and ethical standards governing the financial services industry including compliance with the Bank Secrecy Act
  • Participates in assignments/projects as necessary

 

Homestead Funding Corporation

 

Operations Manager/Underwriter (DE certified)                                                             04/2009 – 5/2012

 

  • Manage and oversee day to day operations of mortgage production process
  • Subject matter expert in all residential mortgage programs, compliance and guidelines (FHA, VA, Conventional, 203K)
  • Cradle to grave management of all loan applications
  •  Thorough knowledge of all phases of the loan approval process including but not limited to processing, underwriting, closing and post-closing
  • Responsible for multiple financial reports relating to the loan application and closing pipeline
  • Provide exemplary customer service to all stakeholders internal and external
  • Create and implement improved process flow procedures
  • Serve as liaison between loan officers and internal departments, as well as between mortgage branch and company headquarters
  • Single point of contact for all loan officer inquiries (products, policies, compliance, procedures, etc.)   
  • Managing underwriter, opener and processer

 

 

 

 

Aurora Mortgage LLC

 

Operations Manager                                                                                                                    02/2008- 04/2009

 

  • Directly responsible for the day to day operations of the production side of the mortgage company
  • Subject matter expert in all residential mortgage programs, compliance and guidelines (FHA, VA, Conventional)
  • Assist the production team with the thorough training and understanding of company’s programs, rates and policies
  • Guide the production team through marketing materials and help them focus on their goals 
  • Assure that the quality of loans and quality of customer satisfaction goes above and beyond industry expectations. 
  • Directly responsible for the day-to-day operations of the processing department
  • Responsible for locking loans with the appropriate lenders, assuring that files submitted follow investor’s guidelines
  • Responsible for driving volume projections and setting team goals while establishing and maintaining company-wide objectives in cooperation with the company’s president  
  • Managed underwriter, processer and closer

 

Flagstar Bank

 

Operations Manager                                                                                                                    10/2007-01/2008 

 

  • Directly responsible for the day-to-day operations of the production side of the mortgage company 
  • Conduct weekly review loan officers’ production (number of application, leads and closed transactions) 
  • Assist the production team with the thorough training and understanding of company’s programs, rates and policies including FHA, VA, and conventional programs
  • Guide the production team through marketing materials and help them focus on their goals 
  • Assure that the quality of loans and quality of customer satisfaction goes above and beyond industry expectations   
  • Directly responsible for the day-to-day operations of the processing department 
  • Understand all aspects of loan origination, from taking the loan application and selling the rate and product to the customer to coordinating and obtaining all necessary paperwork in order to present clean, closable files to our underwriting team.
  • Managed processers

 

 

Pinnacle Financial Corporation, Emerging Markets Division

 

Director of Division Production, Operations Manager                                                  06/2003 - 09/2007

 

  • Directly responsible for the day-to-day operations of the production side of this mortgage company
  • Oversee and direct all administrative activities, including finance, quality control, compliance, automatic date processing and human resources, including staff of 70+ employees
  • Oversee and direct the following departments:  Compliance officer/ quality control manager (audit, regulatory compliance, corporate policy compliance, training), production managers (Branch Production/Volume, originators, inside sales team), marketing review (mortgage rates, loan pricing, broker relationships), Operations Manager (Processing Department, Underwriting Department, Closing/Funding Department), Accounting Department (payroll/commissions, human resources/benefits, accounts payable, budgeting supplies, equipment, branch operations) 
  • Instrumental in helping to create a branch with 2003 revenues in excess of $40 million, ’04 revenues in excess of $250  million, and ’05 revenues of $280 million
  •  Managed Processing Department, Accounting Department, Production staff, and administrative personnel  
  • Responsible for assuring quality control for all submitted loan applications.  Conducted PFC program training for all loan officers and processing staff 
  • Trained processors of submission policies as related to the Underwriting Department.  Directed and oversaw Trainer/Compliance Manager 
  • Was instrumental in the opening of nine mortgage branches in the Washington DC metropolitan area; helped each branch with all the necessities related to production to assure a volume of at least 2,000,000.00 per month
  • Managed underwriter, processer and opener

 

Pacific Guarantee Mortgage

 

Loan Officer                                                                                                                                       01/01 to 05/03

 

  • Responsibilities included meeting with a large number of real state branches and educating them on our company’s multitude of loan programs, marketing myself to be able to bring in at least $1,000,000.00 per month in closed loans, and providing a high level of customer service to all borrowers who are purchasing or refinancing through Pacific Guarantee Mortgage including, but not limited to, the ability to ascertain which loan programs were best suited for each individual customer.

 

Senior Loan Processor/Underwriter                                                                                        

 

  • Responsibilities included processing a pipeline of 100 loans per month and averaging at least 40 to 45 closed loans per month 
  • Checked all documentation necessary for loan programs 
  • Checked all appropriate disclosures and sending a check list detailing items needed to borrowers 
  • Insured that ratios and appropriate information met PGM’s guidelines 
  • Submitted all files through Desk Top Underwriter and Loan Prospector for approvals 
  • Maintained comprehensive knowledge of Pacific Guarantee Mortgage programs, which helped to keep loans in-house versus brokered out 
  • Originated loans and marketed myself with realtors and borrowers.

 

Crossland Mortgage Corporation

 

Loan Processor/Closer                                                                                                                09/99 to 12/00

 

  • Responsibilities included processing a pipeline of 40 loans per month, checking all documentation necessary for loan programs, and assuring that all appropriate disclosures were included   
  • Insured that ratios and appropriate information met with Crossland Mortgage guidelines 
  • Assisted inexperienced loan officers with finding lenders and appropriate loan programs (VA, FHA, Conventional, 203K) 
  • Organized all loan files for submission to the Underwriting Department.  Helped supervisor to develop a marketing strategy.
  • ID#: 76348
  • Location: Arlington, VA , 22207

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