(555) 432-1000,
, , 100 Montgomery St. 10th Floor
Professional Summary

Results-oriented professional with extensive experience in direct consumer lending. Proven ability to leverage my expertise to a wide range of loan products offered to a diverse customer base. Intentional in pursuing quality processing solutions while mitigating risks and maximizing revenue.

  • Debt and credit management
  • Conflict resolution
  • Multitasking
  • Working collaboratively
  • Organizational skills
  • Microsoft Office
  • Analytical
  • Communication
Education and Training
Clackamas Community College Clackamas, OR, Expected in : English Literature - GPA :
Community College of Southern North Las Vegas, NV, Expected in : Social Sciences - GPA :
Rancho High School North Las Vegas, NV, Expected in High School Diploma : - GPA :

Honors Degree

Professional Experience
Foundation Capital - Underwriter
Richardson, TX, 10/2017 - Current
  • Analyze financial data and credit profiles of active duty military, veteran, and retired service members seeking a rapid and direct lending solution
  • Tenaciously conduct critical surveys of each applicant's loan capacity, ensuring the offer is appropriate, compliant, and definitive while authoring a complete justification for each loan conclusion
  • Validate and examine financial data from the Department of Defense, bank statements, tax returns, and other relevant military documents to vet and merit funding
  • Train and coach junior underwriters, credit specialists, and customer support specialists
  • Perform investigative fraud detection and preventive tactics to reduce fraud exposure
  • Collaborate with loan processors, branch managers, and chief underwriter to resolve loan discrepancies by modifying terms to meet our borrowers’ requests and maintain the integrity of our portfolio
  • Eagerly provide innovative solutions in team meetings, helping to streamline, develop and implement underwriting parameters or analytical tools
Foundation Capital - Counselor & Mortgage Modification Specialist
Toronto, CA, 02/2016 - 05/2017
  • Provided clients with a comprehensive and confidential consultation on their finances regarding budgeting, credit report analysis, bankruptcy alternatives, debt management planning, homeownership assistance, and financial literacy
  • Increased our agency's capacity by spearheading a community-driven project which directly engaged underserved residents in low-income areas by providing on-site access to the agency's financial tools and resources
  • Assessed clients' qualifications for mortgage modifications, mortgage refinancing, and reverse mortgages by utilizing deed in lieu, short sale, forbearance, and other local, state, and federal foreclosure prevention programs
  • Represented clients when submitting housing packages that included a thoroughly examined application, all applicable income sources, tax returns, profit and loss statements, bank statements, and property information
  • Managed the State of Nevada Attorney General's Home Again hotline that provided aid to Nevadans requiring home purchasing or preservation assistance.
  • Generated various pipeline reports to the Chief Executive Officer (CEO), Chief Operating Officer (COO), Director of Community Services, and other local nonprofit agencies involved in Nevada’s Home Again program
Pioneer Military Loans - Underwriter
City, STATE, 04/2010 - 07/2015
  • Conducted comprehensive analysis on active duty military service member's financial history and evaluated risk when determining loan feasibility
  • Examined financial data from the Department of Defense, bank statements, tax returns, and other relevant military documents to vet and merit funding
  • Observed all federal and corporate regulatory policies regarding data security and lawful lending practices ensuring each loan was accurate and compliant
  • Performed investigative fraud detection and preventive tactics to reduce fraud exposure
  • Created payment plans based on our borrower's ability and intent to repay while simultaneously mitigating risks and promoting portfolio profitability
  • Actively engaged in team-building activities, departmental resolution roundtables, and developmental projects to increase employee morale and engagement
HSBC Bank USA - Underwriter / Operation Support Specialist
City, STATE, 06/2000 - 04/2010
  • Evaluated borrowers for credit limit increases by assessing creditworthiness using account history with the company, credit reporting agencies, and all other relevant financial documents
  • Prepared and expedited correspondence to credit bureau agencies for the immediate removal of credit inquiries due to confirmed fraud activity
  • Finalized the reinstatement of re-affirmation and fraud recovery accounts to mitigate loss
  • Constructed a fraud database for the Lending Services Department to ensure an efficient and effective protocol for confirmed fraud application processing
  • Formulated procedures and implemented training for managers and associates related to Underwriting and Operational Support
  • Modified and streamlined the Lending Services Department's Management Reporting System to ensure our daily productivity adhered to critical deadlines

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School Attended

  • Clackamas Community College
  • Community College of Southern
  • Rancho High School

Job Titles Held:

  • Underwriter
  • Counselor & Mortgage Modification Specialist
  • Underwriter
  • Underwriter / Operation Support Specialist


  • Some College (No Degree)
  • Some College (No Degree)
  • High School Diploma

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