DENISE TURNER Jacksonville, FL

m: 904-***-****

adtsj2@r.postjobfree.com

PROFESSIONAL SUMMARY

Team- and goal-driven professional with career-long record of financial analysis, business development, and team management success for leading organizations

Proven talent for aligning business strategy and objectives with established business development and project management paradigms to achieve maximum operational impacts with minimum resource expenditures. Growth-focused thought leader with profound risk management expertise, as well as mastery in corporate finance, strategic planning, leadership in mortgage loan underwriting, team management, NON-QM Loans, QM Loans, Jumbo Loans, HELOC Loans and Hard Money Loans. Exceptionally dedicated professional with keen interpersonal, communication, and organizational skills, as well as budget management, problem solving, and resource allocation expertise. CORE COMPETENCIES

• Corporate Financial Statements

• Financial History Analysis

• Loan Feasibility Assessment

• Project Management

• Credit History Review

• Income Evaluation

• Loan File Maintenance

• Operations Management

• Frontline/QC Underwriting

• Forensic Audit

• Risk Management

• Strategic Planning

PROFESSIONAL EXPERIENCE

GLOBAL RISK SOLUTIONS (GRS), BRADENTON, FL, OCTOBER 2022 TO NOVEMBER 2022 ADJUSTER/ CATASTROPHIC

• Analyzed multi-line claim files - property and casualty, personal lines, for subrogation potential.

• Analyzed the claimant’s policy limits; reviewed photographs and other claims documents to calculate, approve and close the claim with final payment and disbursement and of up $25,000.00 monetary limits.

• Used conflict resolution and best claim practices to resolve issues and disputes; as well as settlement negotiation with involved parties. prevent overages, minimize burn rate and CROSS COUNTRY MORTGAGE LLC, BRECKSVILLE, OH, NOV 2020 TO JUNE 2022 SENIOR MORTGAGE LOAN UNDERWRITER

• Demonstrated expertise in determining credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

• Conducted comprehensive analysis and calculation of income documentation such as personal and business income tax returns, ensuring all necessary documentation is requested to effectively support final loan decisions.

• Minimized fraud by comprehensively and effectively verifying integrity of applicants’ information, analyzing loan risk and requesting additional information as needed.

• Optimized balance and assessment of risk against profitability to make optimal business decisions, guiding and mentoring junior team members in making similar critical decisions.

• Documented and effectively communicated reasons for the approval or rejection of loans with a fully informative, transparent, and problem-solving methodology and approach.

• Headed instruction, mentorship, and guidance of junior team members in best risk assessment and underwriting practices and methodologies.

DENISE TURNER Page 2

PHH/OCWEN MORTGAGE, MOUNT LAUREL, NJ, NOV 2019 TO NOV 2020 SENIOR MORTGAGE UNDERWRITER

• Assisted, mentored, and provided critical feedback on performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.

• Orchestrated careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status, as well as determinations of credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

• Cultivated and developed relationships with both brokers and customers, exercising and maintaining an ethos of communication, transparency, and mutuality.

• Established and advocated for optimal credit terms, pricing, and conditions during the approval process that best benefit and serve customers’ specific qualifications and needs. PRIME FINANCIAL SERVICES, LAUDERHILL, FL, FEB 2015 TO MAY 2019 SENIOR CONVENTIONAL UNDERWRITER

• Identified, assessed, and problem-solved around portfolio risks resulting from the client's underlying business practices, underwriting investigations, or fraud exposure.

• Cultivated and exercised an active and thorough expertise of the secondary market activity, processes, and business/industry practices as they relate to underwriting quality and origination activity.

• Evaluated and calculated debt ratio, loan-to-value ratios, credit scores property valuations, and various other factors when making underwriting decisions.

• Exercised exemplary coordination and planning skills on a fast-paced, highly communicative, and tight schedule to achieve results punctually and effectively while maintaining peak customer satisfaction.

• Reviewed all employment, income and asset documentation, borrower’s credit history, information on mortgage loan documents and more to determine correct information, meeting of requirements, eligibility, regulatory compliance, and that loan conditions meet government standards. FUTURE HOME REALTY, JACKSONVILLE, FL, FEB 2015 TO PRESENT LICENSED REAL ESTATE AGENT

• Prepare documents such as representation contracts, purchase agreements, closing.

• Accompany buyers during inspections of property, advising them on the suitability and value of the homes based on current market conditions.

• Conduct quarterly seminars and training sessions for sales agents to improve sales techniques • Evaluate mortgage options helping clients obtain financing at the best rates and terms

• Advise sellers on how to make homes more appealing to potential buyers, increasing average selling prices by 10% - 20% from initial appraisals. BOB’S FAMOUS BBQ, INC., JACKSONVILLE, FL, OCTOBER 2014 TO AUGUST 2022 CHIEF FINANCIAL OFFICER / MANAGER

• Establish and administer annual budget with controls to prevent overages, minimize burn rate and support sustainability objectives.

• Assess supplier quality to maintain tight cost controls and maximize business operational performance.

• Identify and resolve unauthorized, unsafe or ineffective practices.

• Evaluate and review of weekly payroll to ensure accuracy.

• Reduce financial inconsistencies while assessing and verifying billing invoices and expense reports.

• Demonstrate exceptional knowledge of process optimization in relation to profit and loss. GREENTREE, JACKSONVILLE, FL SEPTEMBER 2014 TO MARCH 2019 PROPERTY PRESERVATION SPECIALIST

• Ensured current ownership and occupancy of damaged dwellings.

• Record damages of the interior and exterior damaged dwellings .

• Excellent verbal and written communication skills.

• Select viewed damages from a list of disaster related losses.

• Ensure insurance companies get required information in a timely manner. DENISE TURNER Page 3

JP MORGAN & CHASE, JACKSONVILLE, FL, FEB 2011 TO JAN 2015 OPERATIONS SUPERVISOR/OFFICER

• Enhanced operational performance and reduced labor expenses by developing and optimizing standard practices.

• Served as key touchstone in accountability for ensuring that the assigned Business Analysts continuously meet the objectives and requirements, including supporting the management, administration, and controls for CAS loss mitigation business process controls, enhancements, and functions.

• Corresponded with customers with questions and problems to build brand loyalty and cultivate lasting business relationships.

• Directed, planned, mentored, piloted, provided one-on-one coaching to, and advised a team of 8-12 Business Analysts, as well as performance management.

• Provided direct and professional feedback to the lenders relating to their loan quality and production, completed side by sides and decision reviews to assess lenders decision quality, managed to departmental service levels, production standards, and quality standard by analyzing daily MIS, and reviewed daily, weekly and monthly reports to ensure teams consistency.

PREVIOUS EXPERIENCE

JP MORGAN & CHASE, JACKSONVILLE, FL, JAN 2007 TO FEB 2011 OFFICER & HOME-OWNERSHIP ADVISOR EDUCATION AND CREDENTIALS

BACHELOR OF SCIENCE (B.SC.) IN BUSINESS AND FINANCE, 2012; University of Phoenix, Phoenix, AZ REAL ESTATE

• Licensed Real Estate Agent, State of Florida 2015

• Licensed Insurance Adjuster, State of Florida 2019 (6-20)

• Licensed Insurance Adjuster, State of North Carolina 2022 (6-20)

• Licensed Customer Representative, State of Florida 2022 (4-40) PROFESSIONAL AFFILIATIONS

• (NEFAR) Northeast Florida Association of Realtors, 2015

• (NAR) National Association of Realtors, 2015

ADDITIONAL INFORMATION

Technical Proficiencies: Underwriting Engines (DU/LP) MSP/Fidelity, PEGA/Modification Portal/DWS, Lender Live/ Guardian, CITRIX, Loan Quest, Work Number, EB LOS, Encompass 360, BPM, Image Writer, Xact Analysis and Xactimate.

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