An accomplished management professional experienced in providing strategic and operations leadership in diverse and uniquely challenging situations. Innovative leader with initiative and motivational skills that posses the ability to energizes others to act. Utilizes keen analysis, insights and team approach to drive organizational improvements and leverage team strengths to promote the implementation of best practices. The ability to clearly indentify underwriting procedural gaps and develop new procedures to insure compliance and minimize potential risk. More than 15 years management, operational and underwriting experience with a successful record of continuous growth and contribution. Recognized as a dedicated results-driven leader, strategic problem solver and mentor, who consistently exceeds performance targets, with a focus on accountability for self and staff.
Awards: Mortgage Banking Spot Award in 2012
Loan Quality: Achieved a Loan Quality Error Rate below 3% for 2012 and 2013
Conventional Lending: Obtained Conventional Lending Authority Loan Limits ,1 Million Dollars
Management/Development: Successfully transitioned Default Underwriting team with no prior underwriting experience to conventional underwriting..
Leadership: Goal-oriented results driven individual with strong leadership capabilities. Ability to work in unison with staff, management and in all functional areas of production. Served as key contributing member to Leadership team.
Compliance: Maintain compliance process with other functional managers and procedures including Internal Controls: Audits compliance and other functional management with the ability to review and respond to audit findings.
Process Management: Significant achievements in creating and implementing processes to promote organizational efficiencies in default.
Managed daily Mortgage Banking underwriting team comprised of both senior and junior underwriters. Team underwriting conventional and government products and programs. Supervised and directed conventional/government team, in all aspects of daily mortgage production operations. Assisted and mentored the structuring of complex conventional loan transactions to insure compliance. Adherence of all federal and state compliance guidelines relative to retail mortgage lending including RESPA and Fair Credit requirements. Financial analyze of applicants' overall credit worthiness while insuring minimal credit risk. Cash Flow analysis of Self Employed borrower with multiple income streams. Financial analysis of, income, credit, collateral repayment capacity to insuring delegated and non-delegated product guidelines are met. In 2012 and 2013 surpassed department's loan quality and turn time goals for four consecutive quarters. Defined strategy and Loan Quality Improvement Plan for under performing underwriters. Actively suggested operational improvements to enhance quality, improve production times and customer experience. Reviewed files and peer reviews for loan quality compliance and adherence to policy and product guidelines. Mentored/Coached the performance of subordinates.Responsible for compiling and analyzing statistical data relative to unit productivity, provide feedback, coaching and answer questions relative to underwriting policies and compliance. Responsible for education regarding changes in policy and procedures to insure compliance, allocate resources, work schedules, and load balance. Oversee training of new staff members and conduct performance reviews along with making recommendations regarding coaching or corrective action and other performance management responsibilities. Expanded product knowledge regarding policy and products available including, FHA and Conventional Lending.
FHA Remediation and compliance managed an underwriting remediation team and successfully implemented and developed the remediation process and tracking to insure HUD requirements were met and fulfillment completed. Success remediation and fulfilled 207 FHA NR7 FHA Modifications which were not serviced correctly, satisfying the investor and the customer. Ensure consistent adherence to Underwriting procedures and policies including but not limited to debt/income analysis, review of income documentation and calculations, Fair Lending practices, Reg AB and other regulatory requirements. Manage staffing within capacity plan and budget to ensure adequate staff capacity to maintain cycle times, SLAs, and quality standards. Manage controls in compliance with internal, investor, and PMI requirements with regard to workout negotiations and approvals on Loss Mitigation Modifications.
Analyzed applicants' financial status, credit and property evaluation to determine risk and repayment capacity. Exceeded quarterly sales goals by 45%.Effectively managed client relationships. Surpassed revenue goals in four consecutive quarters. Responsible for soliciting residential mortgages from various sources including realtor's, builders, financial professionals, past customers and other nontraditional sources; produces high quality loans which meet WFHM guidelines while providing excellent customer service Establishing relationships with local referral partners (e.g., Realtors, builders, attorneys, financial advisor's or CPAs) Generate self-source leads and to create profitable business relationships with referral partners. Achieved and maintained a mortgage sales quota of 7 Million dollars monthly. Independently identify prospective opportunities to market or cross-sell products to new or existing customers to increase monthly NOI and exceed monthly NOI threshold
Established/ launched Tampa, Paso County and Clermont Branch Operations. Prospected, developed and maintained Broker Lender relationships insuring pipeline exceeded Branch budget and forecast goals. Responsible for fostering and developing alternative lead sources increasing branch profitability. Established third party relationships, such as Preferred Lender for Builder, resulting in increased production and a stronger market presence in new and existing markets. Perform all compliance duties of the Principal Licensed Mortgage Broker; originations prospecting and maintaining client relationships. Responsible for daily operations and sales production and compliance procedures for four locations, insuring closed funded and active files comply with State Laws, RESPA and company guidelines. Recruitment, training Human Resource functions. Monthly Budget, Sales Projections and Forecasting to company President and Vice President.
HUD Community Development FHA, VA DAP Certified, CRU
2002, 2004 & 2005 Circle of Excellence Performance Award
DU, LP WP11, Microsoft Office 2010, Six Sigma, Performance Metrics, All-Regs, HUD Applications, MLS
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