A talented and accomplished Mortgage Banking professional with extensive experience in Underwriting, Loan Origination, and Management. Background in Branch Management/Ownership and Compliance, Adept at originating and approving loans, managing sales professionals, underwriters and processing promoting products and services. Strong customer service skills able to work with clients to meet all financial requirements. Expertise in data analysis and reporting. Highly knowledgeable in all mortgage and loan products and regulations.
Analytical and results-driven professional with extensive complex financial analysis experience for self employed, salary or investors and due diligence in all areas.
DE CERTIFICATION /CHUMS # 1994
California Brokers License (1997-Present)
Florida Mortgage Brokers License 2005
PA State Real Estate and Mortgage Brokers License 2004
California Notary Public 1995-2005
Leadership Orange Class of 2007 (Orange Chamber Of Commerce)
Underwrite Conventional & Harp loans Test Case for FHA (in process 3 pass program on hold) review analyze approve loans with large unusual or complex individual consumer request and products within co & industry guidelines. Review financial statements credit report, ratios & LTV examine transactions to ensure accuracy & completeness prepare formal reports for review ensuring documents are consistent & uphold to company and industry guidelines implementing fraud detection techniques, performing compliance reviews, assisting with re-negotiations of loans based on lending guidelines contacting customers and partners to gather information to make appropriate decisions explain rationale behind credit decision. Proficient work direction and or training to lower level team members provide performance feedback to supervising managers
Broker Owned & Operated all aspects of the Real Estate company, originate Sales, Purchase & Listing, Underwrite Loan Modifications
Broker Owned & Operated all aspects of the Mortgage Company Underwrite Loans for Lenders Purchase/Refi/2nd's Conventional/FHA/VA & SUBPRIME. Extensive knowledge of Lenders & Investors Guidelines and compliance, risk analysis and fraud detection
Risk analysis underwriting audit for accuracy and compliance to bank and investor guidelines for non performing loans under review by lawyers for banks going to court
Manager and Underwriter for Loan Dept FHA/CONVENTIONAL 2nds Title 1 & 125 loans
Pacific West Board of Realtors
California Association of Mortgage Brokers
Orange Chamber of Commerce
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