Focused, confident and highly capable Process Manager and Finance Professional with years of dynamic experience. Possess impeccable financial background rooted in the area of mortgage underwriting and compliance review including underwriting, loan analysis, borrower investigation, risk assessment and finalizing loan approval decisions. Exude vast expertise as it relates to multiple loan products within a centralized fulfillment process. Adept in multitasking to complete far more than the minimum required while still performing other duties concurrently. Acknowledged by others as a proven department leader in production, as well as for flexibility in assisting across the line of business. Recognized often by supervisors for consistently surpassing the metric for multiple weeks and delivering unmatched partner service. Now in pursuit of Process Manager roles that support businesses in making their processes more streamlined. Also seeking opportunities with a risk support, auditing or compliance advisement function that will offer opportunities for professional growth.

Mortgage & Insurance Underwriting | Financial & Risk Analysis | Business Compliance | Process Analysis

Customer Service | Communication | Strategic Planning | Team Development | Mentorship | HDMA Compliance

Business Partnerships | Time Management | Organization | Critical Thinking | Communication | Relationship Building

Word, Excel, PowerPoint, Access, proprietary databases, Experian, TransUnion, Equifax, LexisNexis.

         Honored with the ONE Award by Eric Schuppenhauer in February 2016 for the improvements made in the SLQ2CQ/Well Managed process for Home Loans

         Cited for program knowledge, organization and team work by Manager, who added: You produce quality work and have the skills to be an outstanding Underwriter.

         Partner with Capital One s Business Risk Office on Annual Compliance Reviews to close out audits for the Process Loan App

         Carefully researched Capital One process improvements for any items across sources that called for system research (OPUS or UNIFI) and delivered feedback to the appropriate team upon completion

         Worked on special compliance projects to clear Quality Control audits after closing for any members of the Capital One team

         Ranked #1 in the Wells Fargo pre-screen volume and led the six-person team with 80 approvals in one month; was capable of reviewing up to 15 deals and/or counters-signing 40 deals each day

         Served as a core member of the Wells Fargo team that increased monthly loans by 30%, while also responding to a 50% reduction in staff; effectively changed the process to be team-centered to streamline efforts of individual Underwriters

         Update Process Loan Application artifacts for mortgage for SLQ2CQ, as well as ensure that the binder is updated based on current state

         Assess requirements from the Legal Department to create an actionable Operational Definition for the mortgage business

         Create controls for each requirement reviewed and monitor them for failures by adding preventative and detective measures

         Also liaise with the Technology Department to add system controls in areas to systemically avoid compliance failures

         Built Tableau reporting into a dashboard, now used by leadership to precisely assess process health

         Proved vital in preparing for audits and exams; gathered documents, reviewed for quality and delivered replies to audit or exam team inquiries throughout the process

         Worked in conjunction with internal teams on controls testing; responded appropriately to opportunities as they arose and offered insight on potential improvements

         Partnered with the Risk Office to lead recovery and remediation for any regulatory or operational shortcomings; offered artifact evidence to support the conclusion of any processes

         Joined together with Data Analysts to handle query building for different requests e.g. OCC Flood, Adverse Action Letter Events, Credit Score Discrepancy, etc.

         Carefully assessed loans to ensure they stayed well within the Processing Team s underwriting guidelines

         Collaborated with M&A to submit exceptions and garner approval for each

         Directed a smooth transition from UNIFI to OPUS via a partnership with Systems, Credit Administration, Project Management, Compliance and the Leadership teams for processing home loans

         Mapped out processes to migrate pre-approvals and full applications from UNIFI to OPUS

         Assessed and approved all training material for the CM Team for KBYO and CM to OPUS

         Evaluated the pipeline to ensure that goals were met to customers and nonprofit agencies; included making changes to Banking for Good by understanding products and applicants

         Analyzed applications with subsidies from nonprofit partners to secure mortgage approval

         Worked with the Sales team and nonprofits to develop and launch the use of an approval process for borrowers with little to no credit

         Reviewed subordinate liens and down payment assistance programs comply with Capital One standards

         Worked across various support teams to advise on process gaps

         Cooperated with Data Analysts to verify why calculated APR fees for the Wolters Kluwer Financial Services website did not match the UNIFI APR on closed loans

         Completed a second review for all home loan denials to verify compliance with HMDA requirements and system reporting

         Ensured the utmost in accuracy to allow for correct pulling of the LARA

         Reworked all denials to confirm that borrowers were extended a counteroffer if possible; documented each with attention to detail

         Complied to resolve open GRC events using supporting documentation for any home loan decisions

         Reviewed all pre-qualifications and issued a denial letter to the customer within 30 days of credit pull

         Aligned with the Sales Team to lead training on any applications that were denied or had to be reworked

         Assessed FHA loans for purchases and refinances to offer approval based on BOA and HUD guidelines and requirements; determined using borrower s income, ability to meet the obligation for the new mortgage and any other commitments s/he has

         Work with HSSs to get loans to closing in a timely manner to avoid expiry of rate locks; also worked in partnership with the Closing Team to ensure that changes were documented and verified to keep each loan insurable

         Worked on MHA I and II Loans, a minimum doc loan government program for refinancing; ensured good pay history, borrower employer, permitted property and loan type, as well as additional pertinent documentation for loan approval

Senior Underwriter III, IndyMac Bank, 2006-2008

Collateral Underwriter, Countrywide Home Loans, 2004-2006

Mortgage Underwriter, Wells Fargo Financial, 2001-2004

Account Analyst, Wells Fargo Financial, 2000-2001

Master of Business Administration, Texas Women's University (2018)

Bachelor of Science, Finance/Management with Economics minor; King College (Cum Laude)

Continuing Education, State Regulations-Mortgage Industry and Underwriting

Member, Titus Two Women s Community Business Mentoring group