Experience

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  Amerisave mortgage corporation

  May 2005 - Aug 2006

  Senior loan advisor
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  Citicorp trust bank

  Sept 2006 - Nov 2008

  Mortgage underwriter iii

  Analyzed loan documents to make an overall sound loan decision within credit authority based on set Underwriting Policies. Ensured compliance to legal, regulatory and credit policies in terms of loan documentation, credit approval and funding. • Effectively managed pipeline of loans to meet appropriate SLA• Review fraud reports and adequately address all alerts• Communicate with processing and sales support to provide updates, clarification on outstanding conditions and deficiencies identified on loans• Provided understanding to underwriting guidelines to supporting teams• Mentored other credit analysts• Consistently ranked in the top three for quality and quantity• Created an effective working relationship within all departments to help ensure we are meeting the goals and expectations set by the company Show less

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  Bb&t

  Nov 2008 - Nov 2009

  Portfolio manager

  (formerly Colonial Bank)Managed the consumer lender portfolio comprised of real estate and unsecured loans to control internal costs and mitigate risk. Developed policies and procedures for the consumer lending portfolio management process. Initiated the renewal process, monitored collateral releases or substitutions, and assisted in modifications to loan structures. Monitored credit on an ongoing basis to determine a downgrading or upgrading the overall credit grade. Approve and Decline all draw requests for consumer loans to ensure checks and balances in the portfolio.• Established strategies to carry out comprehensive account reviews• Designed and developed various worksheets for account tracking• Designed charts for portfolio management to aid in visual representation of the lending portfolio.• Consistently used research to stay on top of industry trends• Reviewed models to forecast volume• Human Resource responsibilities include the items noted above for other roles. Show less

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  Arch mortgage insurance company (arch mi)

  Jan 2010 - Mar 2020

  (formerly United Guaranty, UG Shared Services)Managed daily workflow of underwriting team to maintain optimal productivity, quality, and service level expectations. Addressed inquiries from underwriting team members, as well as internal and external customers, offering guidance on various loan scenarios and intricate processes. Pioneered management team projects focused on enhancing operational efficiencies and refining underwriting tools. Pursued advanced education opportunities to augment and refine underwriting expertise, subsequently disseminating acquired knowledge among team members to foster collective growth. Dove into evaluation and analysis of risk scenarios to ensure compliance, concurrently performing meticulous appraisal reviews. Collaborated across various departments such as Independent Validation and Contract Underwriting. Crafted and executed nuanced communication strategies customized for distinct needs of each department. Utilized six sigma strategies on a project team to redesign and improve operational efficiencies.• Conducted comprehensive underwriting and second reviews for diverse range of loans, including jumbo loans and those valued up to $1M, ensuring accuracy and compliance. • Devised and implemented strategic solutions and performance management plans, resulting in significant improvement in team members' productivity and overall performance. • Designed, implemented, and executed meticulous onboarding experience tailored for vendor employees, enhancing integration process, and fostering positive work environment. • Cultivated positive relationships with clients, successfully spearheading engagement initiatives that strengthened professional bonds and collaboration. • Assumed leadership role in change management initiatives, successfully steering transformative processes within team and influencing positive shifts in organizational dynamics. Show less • Assisted the Underwriting Manager and filled in when needed. • Supported the underwriting team and internal and external customers by fielding questions and providing guidance on loan scenarios and processes. • Identify training opportunities within the team and presented to the Underwriting Manager for team discussion. • Present various training topics for team meetings and company projects. Underwrote loans up to $1 million and also completed quality assurance reviews to provide applicable feedback to peers. • Provided reviews loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals and all applicable compliance documents. • Rendered appropriate risk based underwriting decisions and communicated to the external customer• Evaluated debt ratio, loan-to-value ratios, credit score, property valuation, and various other factors.• Mentored new underwriters• Consistently exceeded production goals and ratings• Created various underwriting tools implemented department wide: Comment Templates, Calculation Templates, Manager Reporting Tools to assist in productivity management Show less

  • Underwriting Operations Manager

    Jan 2012 - Mar 2020

  • Senior Underwriter

    Jan 2010 - Jan 2012
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  Newrez llc

  Apr 2020 - Jul 2024

  (formerly Computershare Loan Services)Collaborate in managing and prioritizing diverse business initiatives, aiming to identify, analyze, enhance, and implement solutions aligned with client and business requirements (agile projects). Oversee multiple projects, engaging with internal business partners and Technology groups to establish consistent processing methodologies based on client and business needs. Monitor operational productivity, change management, and communication with stakeholders. Formulate internal controls for accountability and contribute to creating strategies to mitigate organizational risks. Develop and execute tailored onboarding experiences for vendor employees. Foster positive vendor employee engagement to enhance collaboration and productivity. Lead change management initiatives for smooth transitions within organization. Maintain and assess vendor contracts for potential impacts on operational functionality and effectiveness. Oversee and lead the offshore underwriting teams.● Ensured organizational compliance by closely collaborating with cross-functional departments, including compliance, legal, and UAT teams, to guarantee adherence to established processes and procedures through rigorous testing.● Spearheaded and implemented offshore fulfillment model, resulting in remarkable cost savings exceeding 50%.● Led seamless integration of clients onto new technology platforms, enhancing operational efficiency.● Introduced new product suites on emerging technology platforms, contributing to organization's innovation and adaptability.● Demonstrated adept problem-solving skills in navigating complex issues, leading to design and implementation of effective solutions that positively impacted overall operational success. Show less Led cost-effective department development, ensuring alignment with current and future business needs. Acted as primary contact for client escalations, initiated new client sources, and conducted clear internal and client-facing underwriting meetings (program management). Oversaw creation and review of underwriting reports, identifying efficiencies. Managed human resources responsibilities, including interviews, hiring, and training. Developed and executed effective onboarding experiences, communication strategies, and provided timely one-on-one meetings and evaluations. Used agile project methodologies for client implementations.● Developed comprehensive policies and procedures for Underwriting department, enhancing operational efficiency.● Managed largest Underwriting team for company's largest client, showcasing leadership and organizational skills.● Created multiple templates and tools for Underwriters, streamlining processes and improving workflow.● Achieved maximum production levels while maintaining high-quality standards, demonstrating efficiency and effectiveness.● Successfully launched new technology, contributing to organization's technological advancement and innovation.● Implemented Communication Flow system to ensure clear and consistent communication, enhancing overall team collaboration and effectiveness. Show less Managed daily workflow of underwriting team to ensure productivity and quality standards were consistently met. Provided leadership to underwriting team, emphasizing excellent customer service through innovation and responsiveness. Addressed inquiries from underwriting team members and external customers, offering guidance on loan scenarios. Assisted in onboarding new clients, mapping out processes, and drafting procedures (program management).● Conducted quality control reviews to ensure performance met benchmarks.● Reviewed reports, analyzed data, and forecasted volume to ensure adequate capacity for outstanding customer service. Show less Evaluated mortgage loan files for specific client guidelines, involving analysis of credit reports, income, and asset documentation, along with all required mortgage documents, to make sound risk and credit decisions. Demonstrated robust knowledge in analyzing legal documents, calculating ratios, and applying various lender guidelines against scenarios.● Applied comprehensive understanding of applicable loan conditions, ensuring appropriate application to meet all guidelines.● Maintained daily focus on achieving 100% quality on files, successfully balancing commitment to high standards with drive for maximum production. Show less

  • Implementation Project Manager

    Nov 2022 - Jul 2024

  • Assistant Vice President Underwriting Operations

    Jun 2021 - Nov 2022

  • Underwriting Operations Manager

    Oct 2020 - Jun 2021

  • Mortgage Underwriter III

    Apr 2020 - Oct 2020
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  Orion lending

  Jul 2024 - now

  Manager of operational excellence