Experience

• 

  Homecomings financial

  Jul 2002 - Jul 2003

  Production manager

  Wholesale A, ALT-A, Sub-Prime liaison between branch and brokers. Mastered a complex range of loan products. Informed brokers of new product guidelines and requirements. Achieved an average of 150M+ per month in branch funding.

• 

  Bnc mortgage

  Jul 2003 - Aug 2005

  Underwriter

  Underwrote sub-prime loans. Evaluated credit, income, title, and appraisal documentation. Balanced new underwrites with condition sign off while successfully meeting or exceeding goal quotas.

• 

  Encore credit corp

  Aug 2005 - Apr 2006

  Sr. underwriter

  As a Sub-prime Underwriter I had level 7 underwriting authority which was the highest credit authority. Consistently achieved the highest level of production of 7-10 underwritten files per day. Met or exceeded goal quotas for 8 consecutive months. Underwrote complex and unique loans consisting of BK buy-outs, lease-option purchases and gift of equity purchases. Within my second month of employment at Encore, I reached my maximum bonus per file with zero errors.

• 

  Greenpoint mortgage

  Apr 2006 - Nov 2007

  Sr. underwriter

  Underwrote Wholesale A & Alt-A loans at the highest producing Greenpoint branch in the nation. Evaluated both credit and collateral packages including title and appraisal documentation. Consistently had above-average production of 7-10 new underwritten files per day while balancing the sign-off of approval conditions and assisting my Manager with special projects and training.

• 

  Liberty lending, inc.

  Nov 2007 - Apr 2008

  Sr. underwriter

  Underwrote Wholesale A, Alt-A and FHA loans with a focus on Desktop Originator. Successfully mastered & kept up-to-date with multiple investors and their specific product guidelines while maintaining the highest level production & quality. During my time at Liberty I had zero underwriting errors. Assisted my direct manager with the management of the portfolio, training of team members and handled day-to day special projects.

• 

  Bank of america

  Dec 2009 - Aug 2010

  Mlo post-sale foreclosure analyst

  Top performer and trainer for FHA post-sale portfolio. Maintained the largest portfolio of 160+ post-sale loans from the foreclosure sale through conveyance to HUD. Special projects included analyzing foreclosure trends and reporting to executive management on recommendations.

• 

  Prospect mortgage, llc

  Aug 2010 - Jan 2012

  De underwriter iii

  Underwrote Conventional, FHA and VA loans with properties located in all 50 states. Consistently met or exceeded daily quotas with the highest level of loan quality.

• 

  Pennymac

  Jan 2012 - Apr 2019

  Sr. de underwriter

  Part of the Correspondent Lending Group on the Risk Management team. Responsibilities included facilitating CRA trades, distributing underwriter daily workloads, second reviewing escalations and delivering files to investors.

• 

  Augusta financial inc.

  Apr 2019 - Jan 2023

  Senior conventional/fha de/va lapp/sar underwriter

  Underwrote VA, FHA, Jumbo, Non QM and private loans in accordance with multiple investors and their specific product guidelines while maintaining the highest level of production and loan quality. Resolved post-funding deficiencies for the entire company using extensive insuring and salability knowledge.

• 

  Cardinal financial company, limited partnership

  May 2020 - Oct 2020

  Senior underwriter

  Underwrote A paper, Alt-A, Non QM, and FHA loans in accordance with multiple investors and their specific product guidelines while maintaining the highest production and loan quality.

• 

  Windsor mortgage

  May 2023 - now

  Fha va jumbo underwriter