TAWANA STEVENS ad35uc@r.postjobfree.com Upper Marlboro, MD

301-***-**** LinkedIn Profile

Property Manager / Program Manager

* ***** ******** **********, *********, Leasing

10+ years Underwriting, Real Estate Financing, Policy

10+ years Customer Service, Relationship Building, Collaboration

Professional Profile

Results-driven Financial Management professional with over 10 years of experience in real estate, underwriting affordable housing, mortgage loan production, and loan servicing. Led 20+ team members, provide training and periodic performance reviews. Delivered solutions independently in demanding environment without undermining compliance and organizational protocol.

Honed problem-solving, identifies problems, draws conclusions, and recommends solutions.

Guides staff, clients, and vendors on day-to-day operations and major projects.

Expert conventional mortgage underwriting, processing, loss mitigation, and pre- and post-home education.

Expert Real estate finance, marketing, purchase/refinance loans, and application review.

Superb communication and relationship building with community organizations, sponsors, staff, executives, clients, customers, vendors, and stakeholders; discusses sensitive information with diplomacy and tact.

Areas of Expertise

Leadership / Influence / Execution: Mortgage Underwriting, Real Estate, Property Management, Client Relationship Management, Credit/Income Analysis, Loss Mitigation, Pipeline/Database Management, Fair Housing, Quality Assurance, Risk Assessment, Conflict Management, Training and Technical Support.

Professional Experience

INTERSOLUTIONS, LLC, Washington, DC 03/2023 – Present

Property Management

Oversee operation aspects, manage lead and train staff, communicate effectively orally and written, compile information and prepare reports, schedule appointments and maintain calendar. Multitask with the ability to balance priorities, and meet critical deadlines, compile information and prepare reports. Successfully learn and comprehend new systems and policies to prepare procedures and new methods.

Well-versed in Fair Housing, Low-Income Tax Credit, Section 8, and Market Rent laws, regulations, and guidelines at state and federal government levels, attend weekly staff/management meetings, lease renewals, and submit ledgers/reports to attorneys for eviction. Reviewed and approved all applications.

Achieve highest possible net operating income by implementing cost control, and revenue improvement. Monitored all infrastructure and building expenses and reviewed and approved invoices. Work with staff to reach monthly goals with move-ins and move outs.

Initiate notices to residents on policies, procedures, updates, violations, events, certifications, interim certifications and recertifications, and review ledger disputes.

HOMEPOINT FINANCIAL SERVICES, LLC, Ann Arbor, MI 08/2020 – 11/2022

Underwriter (Remote)

Initial underwriting of wholesale Conventional loans and final approval. Cleared underwriting conditions until files met Conventional, FHA & VA, federal, state, lender and company guidelines.

Underwriting: Underwrote, conditioned, and approved mortgage loans; analyzed applicant’s financial and credit status; review property evaluations, verifications, and validations to determine appropriate loan decision and final course of action. Stayed abreast of policy/procedure changes, guidelines, and regulations of company, investors, FNMA, Freddie, FHA, GNMA, and state.

Training/Mentorship: Trained junior underwriters on best practices, new products, programs, software, and technology, improving team efficiency, reducing turnaround times.

Goal Achievement: Exceeded monthly goal of 250 loan reviews per month with average closings of 290 loans; maintained zero to 1% risk quality over 24 months.

Revenue Growth: Exceeded monthly goals, managing pipelines of $50+ million; delivered impeccable customer service and met closing deadlines.

HABITAT FOR HUMANITY, Washington, DC 02/2016 – 08/2019

Program Manager/Underwriter

Managed daily housing production operations, including representing the organization and its cause to Advisory Neighborhood Commissioners, City Counsels, DC Housing Authority, Department of Housing and Community Development on issues pertaining to projects developed by the organization. Successfully gain support from communities, through participating in community meetings, public hearings, and community events. Cultivate new and maintain existing relationships with community-based organizations as part of the outreach initiatives. Specializing in District of Columbia affordable housing programs i.e.: Affordable Dwelling Unit (ADU), Inclusionary Zoning, HPAP, EAHP, and NEAHP loan programs. Perform cost benefit analysis to determine budgets for programs and properties.

Property Manager: Navigate the legal requirements in developing condominium association. Partnered with attorneys and vendors; navigate condo approvals for new construction and renovation projects. Declarant to establish the HOA, assisted in creation of legal documents needed to operate and appoints the first board of directors. Manage and control the association homeowners occupy the community and can elect their own board of directors.

Mortgage Lending/Underwriting: Managed real estate transactions that included Initial underwrite and origination of First and multi layered subordinate loans by reviewing applications, appraisals, credit, assets, employment for creditworthiness and analyzing clients’ financial risks. Market properties for sale, conducted tours, approve prospects into HFH housing program.

Mortgage Servicing: Served as liaison managing mortgage servicing company; managed reporting, reviewed escalation account disputes, approved payoffs, released Deeds, initiated loss mitigation waterfalls reinstatement, foreclosure, short sales, manage all collections; lowering delinquencies from 69% to 3% in 24 months. Submitted monthly reports to Board of Directors for monthly meetings.

Program Management: Implemented housing education programs. Developed policies and procedures for housing programs. Monitored and report on programs; Researched and compiled statistic information to request for grants.

GREATER WASHINGTON URBAN LEAGUE, Washington, DC 02/2014 – 02/2016

Compliance Officer/Underwriter

Monitored, analyzed, and reported on quality of risk-related decisions. Examined credit transactions for adherence to policy, procedures, and lending guidelines. Ensured proper allocation of program funds and protection of district’s security interest of subordinate lien. Served as backup Loan Closer and Sr Underwriter for escalated files: Perform pre-audits from initial Notice of Eligibility letter to loan closing per state, lender, and State Down Payment Assistance Programs guidelines and regulations; reported findings and delivered resolutions.

Underwriting: Collect and review income, assets, and credit for approval of funds for subordinate financing

Audit Management: Corrected audit findings by performing secondary closings, re-signing, document collection, and refiling of deeds.

Compliance: Partnered with Housing Director, develop solutions and recommending options, reducing review turn times, improving processes, ensuring compliance, and educating/training on new program guidelines/disclosures; identified risk and resolved all issues.

Issue Resolution: Served as first point of contact to resolve client issues and complaints; sent responses to Mayor’s office on housing program inquiries.

JP MORGAN CHASE, Senior Processor, Falls Church, VA 08/2011 – 02/2013

Processed mortgage 1st trust and equity mortgage loans by collecting and analyzing income, assets, credit, title, appraisal, and insurance; ordered appraisals, credit reports, insurance, and title created mortgage file and submitted to Underwriter for final review.

Professional Development and Certifications

NCHEC Certification in Homeownership Counseling, 09/2019

NCHEC Certification in Post-Purpose Homeownership Education, 12/2019

Human Rights Liaison, DC Office of Human Rights, 11/2018

Underwriting Training, Home Point Financial, 07/2020

Technology

Microsoft Office 365, EClient, DocMagic, Calyx Point, EllieMae, Data Trak, NMLS Database, MRIS, FoxPro, SharePoint, Encompass, Desktop Underwriting, Yardi, Onesite, MRI, Knocks, Salesforce.

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