Experienced financial professional with a 12 + year successful track record managing and mitigating risk, evaluating credit policies/processes, performing due diligence, leading medium-small projects and handling time-sensitive complex underwriting transactions.
Strong interpersonal skills
CFBP/QM/ATR Compliance Control
Expert in financial analysis, financial planning and investments.
Strong problem-solving capabilities
Underwriter II/Senior Associate 04/2013 to Current Capital One – Plano, Texas
Proficient in supporting sound credit decisions/policies and processes for loan portfolio too include Held-for-Servicing (HFS), Held-for-Investment (HFI) and Home Equity Capital One related products.
Responsibilities include a strong focus on CFPB/ATR/QM requirements; along with FNMA, Freddie Mac and Capital One overlays.
Identify and implement enhance due diligence/prudent underwriting approvals/counteroffers and/or declines within a $1.5M lending authority to help increase Net Promoter Score (NPS) evaluation/surveys.
Accomplishments Assisted HELIOS QA department on a 6-month rollout project for the 2014 SLQ2CQ initiative of the OPUS one platform.
Identified problem areas within the loan portfolio, analyzed risks and suggested appropriate solutions.
Interviewed clients to determine current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance and other information needed to develop a financial plan.
Trained new team members on applying due diligence procedures and regulatory mandates.
Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
Analyst 04/2012 to 03/2013 Accenture, LLP – Irving, TX
Sr. team member engaged in coordinating all aspects of the organization's relationship with assigned key partners and investors in areas of loan delivery, origination, quality control and underwriting ensuring that financing structures; along with underwriting quality were within acceptable risk parameters.
Developed, mentored and trained new associates in evaluating Governance, Risk and Compliance (GRC) events.
Assisted with audit exams both external and internal focused on the development and implementation of statistical analysis reviews; occasionally participated in credit committees, risk reviews and led special projects benchmark initiatives.
UNDERWRITER III/UNDERWRITING CONSULTANT11/2009 to 01/2012 Locations Arlington and Dallas, TX Indecomm Global Services National City Mortgage/PNC Bank – Bloomington Jacksonville, IL FL
contracted to clients Chase, Fannie Mae, PHH and Wells Fargo.
Contractor04/2009 to 08/2009 PRE-AUDIT CLOSING PROJECT UNDERWRITER – Louisville, KY
Reviewed and performed risk analysis to identify potential fraud, escalated problem loan files to internal corporate risk for review.
Captured data and underwriting analysis in TMO LOS system for post audit reviews.
StoneHill Group (client AIG/United Guaranty).
Contractor06/2008 to 08/2008 DUE DILIGENCE/QUALITY CONTROL UNDERWRITER – Atlanta, GA
QC project review on early payment default (EPD)/non-performing loans for re-purchase put back reviews.
Performed risk analysis to identify potential fraud related claims, provided sufficient case analysis assuring that risk was mitigated to the bank accordingly and within compliance of sellers/reps & warrant agreements.
Recorded captured data/risk reviews in ACES (Automated Compliance Evaluation System) for client litigation proceedings.
Contractor02/2008 to 04/2008 United Guaranty Bank of America MI QUALITY CONTROL UNDERWRITER – Jacksonville, FL
Consumer Direct Retail Underwriter 07/2007 to 11/2007 Washington Mutual Bank – Jacksonville, FL
Analyzed and reviewed risk factors on existing in-house WAMU loans' assuring risk was mitigated/structured accordingly.
Performed credit analysis/pricing exceptions on existing 1-4 residential, which consisted mainly of LIBOR/ARM products to determine the best fixed rate product (278+/- monthly).
Position eliminated due to the restructuring of operations' centers and re-vamping of Long Beach Acceptance Mortgage operation.
Office Tiger/RR Donnelly.
Contractor04/2007 to 07/2007 RR Donnelly – Atlanta, GA
Re-underwrote closed mortgages focused on REO Liquidation/Repurchase Investor Negotiation and Asset Recovery.
TEAM LEADER/SENIOR UNDERWRITER07/2006 to 03/2007 Wachovia Mortgage – Marietta, GA
Led a pilot paperless loan processing/underwriting project, redesigning state matrix guidelines and checklists to ensure regulatory compliance.
Successful pilot program led to executed mortgages both conforming and correspondent in a 7-state area region with averages of $35 million in loan closed/funded for the Southeast Atlantic region.
Mentored by a highly successful entrepreneur who anticipated market needs, foresaw market trends, consistently grew market share and focused on accountability and customer service.
Approved, counter-offer conditional loans that were purchased/sold on the secondary market with 100% acceptance by investors.
Assisted Post Closing department with month end defects to identify the liquidity of all loan portfolios on varied loan pools conducted by QA/QC and Internal Risk departments focusing on overall salability of loans.
Underwrite04/2005 to 06/2006 Homefield Financial Inc. – Irvine, CA
Underwrote correspondent and retail mortgage products; assisted with generating $1 billion in annual volume primarily sold to Countrywide Home Loans, Credit Suisse Bank and GMAC for loan servicing.
Consistently met or exceeded daily quotas for underwriting production averaging 7-10 loans daily.
Analyzed loan documentation focusing on marketability and salability of loan parameters as described in seller and warranties agreements to assure due diligence based on FNMA/FHLMC and/or Secondary Marketing underwriting guidelines.
UNDERWRITER/MORTGAGE ASSOCIATE IV04/2004 to 04/2005 Argent Mortgage Company – Irvine, CA
Performed and underwrote loan packages focused on fraud detection/preventative methods.
Analyzed and evaluated all loan documentation against data entered in the EMPOWER LOS system.
Reviewed all loans files to assure creditworthiness and sufficient collateral complied with product overlays/program requirements.
Provided 48 hour turn around for pending applications and/or suspense findings, loan details and "exception" conditions prior to final funding clearance.
Accomplishments Led department to the attainment of the company's highest quality assurance audit rating 96.7 percentile.
Junior Underwriter 12/2002 to 04/2004 Olympus Mortgage Company – Orange, CA
Conducted and performed standard credit, income, and assets analysis for submission to lender via broker channel.
Reviewed 1003 application and 1008 for completeness & accuracy.
Analyzed all financial and legal documentation demonstrated excellent communication skills, acting as liaison and primary source of contact for borrowers, processing, sales and other internal staff.
Occasionally completed intro calls to clients, title companies and/or closing attorneys to disclose closing information requests, loan goals, & closing date status.
Achieved overall performance along with the underwriting team assisting operations/sales surpassing the quota by 150 % with over $3.9M funding in the first quarter hired with the company.
Contributed to the development, testing and implementation of internet based application and Blackberry wireless sales tool for instant rate quotes within the field.
MBA: Management 2008STRAYER UNIVERISTY-
MBA: Management1 2008-
Bachelor of Science: Business Administration1 2003UNIVERSITY OF PHOENIX STATE-
LEAN SIX SIGMA Green Belt Certification (LSSGB) ~ Purdue University 2014
SCRUM Certification: 1 2014SCRUM Institute-
Bachelor of Science: Business Administration 2003University of Phoenix -
Locations Arlington and Dallas, TX Indecomm Global Services National City Mortgage/PNC Bank
PRE-AUDIT CLOSING PROJECT UNDERWRITER
DUE DILIGENCE/QUALITY CONTROL UNDERWRITER
United Guaranty Bank of America MI QUALITY CONTROL UNDERWRITER
Washington Mutual Bank
Homefield Financial Inc.
Argent Mortgage Company
Olympus Mortgage Company
UNIVERSITY OF PHOENIX STATE
University of Phoenix
Job Titles Held:
Underwriter II/Senior Associate
UNDERWRITER III/UNDERWRITING CONSULTANT
Consumer Direct Retail Underwriter
TEAM LEADER/SENIOR UNDERWRITER
UNDERWRITER/MORTGAGE ASSOCIATE IV
MBA : Management 2008 MBA : Management 1 2008 Bachelor of Science : Business Administration 1 2003 LEAN SIX SIGMA Green Belt Certification (LSSGB) ~ Purdue University 2014
SCRUM Certification : 1 2014 Bachelor of Science : Business Administration 2003
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