• Highly Accomplished Mortgage Underwriter who makes decisions to reflect positively on high-volume financial operations in alignment with a company s vision, value, and goals, and who works to attain a competitive advantage and generate robust employer growth via solutions-centric critixxxxxxl thinking talents for insightful, change-driven results.
• Visionary Professional who rises above core challenges to improve the bottom line and achieve winning outcomes, including quickly adapting to evolving scenarios to optimize resources and reach high profit and productivity levels, as well as independently developing policies / procedures and resolving in-depth issues to boost industry success.
• Excellent Communixxxxxxtor who develops synergistic relationships with senior-level decision-makers, underwriting / financial staff, regulatory agencies, and clients / customers; who excels in fast-paced autonomous and collaborative work environments; and who leads peers by example and with integrity to inspire confidence and forge teamwork.

  Successfully created and implemented FHA / VA and Conventional guidelines, procedures, matrices, and quality control procedures throughout xxxxxxreer, including creating FHA / VA production manuals and FHA / VA training manuals.

  Expertly developed and conducted numerous popular FHA / VA, underwriting, and quality control seminars worldwide.

  Recognized for job excellence with Mylor Financial as a senior corporate underwriter tasked with performing second signature responsibilities on loans greater than $650,000, and additionally signed off on files needed by underwriters.

  Built productive operations for First Pacific Financial by implementing and conducting training seminars for FHA and VA brokers, including completing a processors training manual and loan officers production kit for FHA / VA loans.

Operations Manager

• Xxxxxxpitalized on the opportunity to lead forward-thinking branch-wide operations, including recruiting, training, mentoring, and managing 10 staff while creating branch guidelines and training presentations in alignment with goals.
• Continually met all CEO and contingency dates; led implementation of policies and procedures; facilitated sign-off of underwriting condition; performed second review sign-off; and handled FHA, VA, and Conventional loan transactions.

Operations Manager

• Strategixxxxxxlly steered operations, including writing guidelines for VA, FHA, and Conventional loans and underwriting VA, FHA, and Conventional loans, including serving as a designed secondary review sign-off authority for the loans.

Operations Manager ￨ FHA / Conventional Senior Underwriter

• Led targeted decision-making across lending operations to meet or exceed goals in alignment with federal guidelines, including serving as FHA and Conventional senior underwriter and served as the only VA underwriter for the company.

Senior FHA / Conventional Underwriter

• Conceptualized, developed, and implemented a comprehensive training seminar for Regulation X while handling all facets of FHA and Conventional loan underwriting, and wrote required Conforming Conventional Program Guidelines.

Senior FHA Underwriter

• Demonstrated proven talents in FHA underwriting, including assessing loan packages for appropriate risk while applying wide-ranging knowledge of lending policies and procedures, as well as federal loan underwriting guidelines.

Senior FHA Underwriter

• Expertly and objectively underwrote FHA loan files for this innovative paperless loan processing start-up company.

Senior FHA / Conventional Underwriter

• Drove mortgage operations success as senior underwriter for this start-up company performing portfolio retention for FHA and Conventional loans, including writing key policies and procedures for both FHA and Conventional products.
• Expertly underwrote FHA test xxxxxxse loans for properties loxxxxxxted across the United States in alignment with objectives.

Underwriting Manager

• Applied strong leadership talents toward training, mentoring, and managing 30 Mortgage Specialists in all facets of underwriting, programs, and input into Desktop Underwriter AUS system, including managing operation of processing, underwriting, and closing staff with LenderLive, a procurement company used for production operations aspects.
• Efficiently wrote and maintained Conventional Program Guidelines for key portfolio retention products per critixxxxxxl goals.
• Ensured continued management and maintenance of quality assurance reports for approximately 10 top underwriters.

Product Development Manager ￨ Senior Corporate Underwriter

• Utilized broad scope of industry knowledge toward writing and maintaining 15 investor company guidelines for Mylor s production and underwriting staff, including implementing procedures for IMX pricing / underwriting system.
• Conduced underwriting and account executive training seminars for products and presentations on How to Xxxxxxtch Fraud, created appraisal check-list forms, and interacted with secondary marketing and investors to determine rollouts.

Independent Contractor

• Played a vital role in contract underwriting and auditing performed at GE Mortgage Insurance, HUD auditing, and private mortgage loan firms, including handling Conventional and Jumbo loans and auditing HUD post-closing loans.
• Proactively supported two companies in accurately reviewing test xxxxxxse files for critixxxxxxl HUD approval.
• Contributed proven experience in LP, DU, and the EMITZ automated underwriting systems.

Corporate Underwriting Manager Wholesale ￨ Retail

• Spearheaded facilitation of seamless underwriting initiatives, including implementing Conventional, LP / DU, EMITS, IDASL, and AssetWise automated systems writing policies and procedures, a Program Summary Guide, and comprehensive FHA / VA procedures for underwriters and production staff to meet and / or exceed loan objectives.
• Proactively resolved investor and insuring issues, as well as solutions-focused procedures regarding quality control.

Vice President of Risk Management

• Led targeted decision-making among a top-performing team of underwriters and underwriting assistants in the underwriting of FHA / VA loans, including initiating policies and procedures and establishing FHA / VA loan guidelines.
• Actively implemented internal procedures for underwriting, funding, and quality control of government loans.

Bachelor of Business Administration Western Sydney Australia

DE / VA Approved (Since 1989) ￨ Lender Approval Processing Program (LAPP) Approved

Fraud Prevention ￨ Appraisal Reviews ￨ Management Techniques ￨ Mortgage Processes ￨ Communixxxxxxtion