Experience

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  Jewel-osco

  Jun 2007 - Nov 2012

  Assistant manager
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  Jpmorgan chase & co.

  Sept 2012 - Feb 2020

  • GWM Mortgage Underwriter

    Sept 2016 - Feb 2020

  • GWM/Business Banking - Transaction Processing Specialist

    Nov 2014 - Sept 2016

  • Home Lending Senior Loan Processor

    Sept 2012 - Nov 2014
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  Finance of america commercial

  Feb 2020 - Apr 2023

  •• Achieved results through strategic planning, interdepartmental communication, identification of training gaps, team development, and continual evaluation of current market trends. • Oversaw the Single Rental Loan Product credit operations staff while assisting with advanced escalations, 2nd level approvals, exposure analysis, custom credit memo writing, and presentation to credit committee and capital markets. • Continuous product refinement and development to optimize guidelines and procedures to market trends, and the current rate environment. • Risk mitigation and control development for current processes, policy, and procedures. • Project management tasks include assisting in the implementation of process, procedural, and LOS updates. BRD review, and approval. Complete UAT testing with Tech Partners ensuring successful completion of objectives. • Analyze operational reports to ensure monthly targets are achieved while continually searching for areas of improvement to strive for efficiency within the credit risk/underwriting staff. • Partner with audit, compliance, and quality assurance staff to ensure company and industry standards are met and completed quarterly sign-off of SOX certifications. • Work strategically with the loan securitization department to ensure the SRL Product line exceeds objectives set at the executive level. Show less •• Trained newly hired Credit/Underwriting Managers, Team Leads, and Underwriters on Commercial loan products including Fix and Flip, Bridge, Bridge-Plus, New Construction, Multi-Use, and Single Rental Loans.• Training consisted of initial onboarding, review of company lending policy’s, documentation review, credit/underwriting processes, and 2nd level loan reviews until lending authority was obtained.• Created and provided training on department wide areas in need of process improvement or common errors to strive for consistency and accuracy across all Credit Risk staff. • Provided guidance to the Credit Risk Management Team with policy, process, procedure, escalation, and exception questions that arise daily. Additionally served as backup to any VP’s who were out of office. • Created system improvement tickets for LOS corrections and/or system updates necessary to improve processes, procedures, and reduce turn-times.• Completed UAT/system testing for completed tickets and LOS improvements to verify accuracy and identify any issues or further updates that may be necessary.• Drafted and Submitted Commercial Credit Memos for large inquiries/loan requests that require company Credit Committee Approval for all loan products. Show less • Preparation and presentation of Credit Committee Loan Reviews and Custom Credit Memos in reviewing advanced projects, jumbo opportunities, or custom loans for loan decision. • Pre-Vetted/Reviewed multiple project opportunities presented daily that may not fit the box of policy, applied credit risk and mitigant processes in formulating decisions best for the business. • Daily reviews of credit exceptions, and escalations submitted for decision. • Assisted in business excellence projects and individually re-worked all loan level standard conditions across the short-term lending space to improve consistency and accuracy for underwriting, which in turn helped to improve turn-times. • Managed the Team Pipeline of Fix and Flip, Bridge, Bridge-Plus, New Construction, and Multi-Use Property Loans. • Trained/guided new staff through initial onboarding, company lending policy’s, documentation review, underwriting processes, and completed 2nd level loan reviews until lending authority was obtained.• Completed escalated and 2nd level reviews/approvals of loans that required additional signing authority to ensure projects were feasible and adhered to company guidelines. Analyzed potential risks and mitigating factors in final sign-off. • Guided the underwriting team through policy and loan specific questions involving difficult scenarios that arose daily. Show less • Managed the Team Pipeline of Fix and Flip, Bridge, Bridge-Plus, New Construction, and Multi-Use Property Loans. • Trained/guided new staff through initial onboarding, company lending policy’s, documentation review, underwriting processes, and completed 2nd level loan reviews until lending authority was obtained.• Completed escalated and 2nd level reviews/approvals of loans that required additional signing authority to ensure projects were feasible, adhered to company guidelines, and analyzed potential mitigating factors and risks. Escalated loans for further Credit Manger review as necessary. • Monitored underwriting team loan quality and helped provide resolution as needed, as well as assisted with any diligence findings in securitization of loans. • Assisted the credit manager with system testing/development, review of reporting/team production, team guidance, meetings, and helped provide team member coaching as needed. • Guided the underwriting team through policy and loan specific questions involving difficult scenarios that arose daily. Show less

  • Director of SRL Credit and Underwriting

    Oct 2022 - Apr 2023

  • Lead Training Manager - Credit Risk/Underwriting

    Mar 2022 - Oct 2022

  • Credit Risk/Underwriting Manager - Construction Lending

    Oct 2021 - Mar 2022

  • Credit Risk/Underwriting Team Lead - Construction Lending

    Mar 2021 - Oct 2021

  • Commercial Loan Underwriter - Construction Lending

    Feb 2020 - Mar 2021
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  Jpmorgan chase & co.

  Apr 2023 - now

  Vice president - control manager

  • Coverage of Wholesale Loan Services (WLS) operational controls for Asset Based Lending, Equipment Finance, and Dealer Services products. • Integral part of Issue and Action Plans for remediation of heightened risks within departmental controls processes. Duties are inclusive of Issue and Action Plan creation, monitoring for proper and timely execution of project steps, sustainability testing, and follow through of approval and closure. • Continuous monitoring of departmental risks for trends, concerns, arising issues, and reporting of confirmed events that exceed firmwide thresholds. • Partner with Regulatory/Compliance Officers, External Reporting Controllers, Audit, Risk, CCOR, and other defense lines to ensure alignment to corporate policies/procedures/standards. • Assist in multiple administrative tasks, project plans, external audits, procedure updates and reviews. Show less