DIANA

EDWARDS Columbia, MO USA

808-***-**** ady5wx@r.postjobfree.com

Mortgage Executive with over 30 years of dedicated expertise in Credit and Risk management within the Mortgage Banking domain. Adept at leveraging a multifaceted skill set encompassing risk management, credit analysis, and organizational development. Proven leader with an innate ability to drive team performance, develop critical business relationships, and implement strategic policies. CORE COMPETENCIES

• Risk Management

• Credit Analysis

• Underwriting

• Regulatory Compliance

• Relationship Management

• Policy Development

• Reporting & Analysis

• Organizational Development

• Effective communication spanning executives to

line personnel

• Proficient in employee development and coaching

• Recognizing and mentoring key personnel

EXPERIENCE

DIRECTOR OF CREDIT

American Pacific Mortgage

MAY 2021- PRESENT

• Spearheaded the Credit Committee, leading initiatives like establishing, monitoring, and reviewing Credit Policies and Procedures.

• Set and maintained credit risk appetite while shaping lending objectives.

• Served as the pivotal resource for departments like Loan Production, Operations, and Quality Control.

• Addressed agency and secondary market investor concerns, leveraging trend analyses for actionable strategies.

• Strengthened partnerships with vital lending entities, including government agencies.

• Instituted quarterly VA Advisory Committee meetings, focusing on continuous improvement and training.

• Developed training curriculum for the Veterans Service Division to upskill staff on the VA Loan Product. A key initiative of American Pacific Mortgage is to drive production and profitability across the branch network. The program will certify loan officers, loan processors, and other production staff in the VA Loan Product.

DIRECTOR OF CONSUMER RISK

Veteran United Home Loans

FEBRUARY 2008 – APRIL 2021

• Led the team transforming Veterans United (Mortgage Research Center LLC) from a broker model to a premier Mortgage Lender in 2008.

• Boosted the company to the #1 VA purchase lender nationally by 2018, servicing 90,000+ families annually from a baseline of 20 loans.

• Strategically developed and structured each department to enhance the customer experience for the military nationwide, establishing the now-recognized Veterans United Home Loans brand.

• Drove employee development, with an emphasis on internal education, resulting in enhanced company loyalty and career progression.

• Founded and grew the internal Underwriting Academy, tripling its size within three years and creating underwriters who now manage 97% of the company's portfolio.

• Diversified educational initiatives with a mix of onsite lectures and digital platforms, catering to the evolving business environment and learning preferences of staff.

• Gained high recognition from the Dept of VA during an annual audit for the unwavering commitment to educating on the VA Home Loan Program.

• Implemented underwriting training encompassing ISO and proprietary guidelines, aligning with company objectives.

• Ensured peak efficiency and accuracy in all underwriting processes, adhering to strict timelines and quality standards.

• Directed underwriting, portfolio analysis, and account decision-making in line with set protocols.

• Compiled and presented key reports for staff, executive briefings, and board meetings, highlighting company metrics and performance.

• Delivered insightful analytics to senior management, covering areas like loss mitigation, short sale, and foreclosure.

SR UNDERWRITER III

National City Mortgage

August 2005- January 2008

• Performed credit and collateral underwriting for diverse mortgage loans, assessing borrower profiles for creditworthiness and risk.

• Analyzed income, asset, and credit documentation alongside contracts and title work for precision.

• Maintained strict adherence to guidelines by lenders, investors, and regulatory bodies.

• Assessed property conditions and market trends to ensure compliance with standards.

• Offered solutions for declined loans, enabling reapprovals and fortifying internal relationships. REGIONAL UNDERWRITING MANAGER (CENTRAL DIVISION)

Wells Fargo

June 2002 – July 2005

• Performed credit and collateral underwriting for diverse mortgage loans, assessing borrower profiles for creditworthiness and risk.

• Analyzed income, asset, and credit documentation alongside contracts and title work for precision.

• Maintained strict adherence to guidelines by lenders, investors, and regulatory bodies.

• Assessed property conditions and market trends to ensure compliance with standards.

• Offered solutions for declined loans, enabling reapprovals and fortifying internal relationships. PRIOR JOB ROLES

• UNDERWRITER

MGIC

May 2001 - June 2003

• SR UNDERWRITER

GMAC

February 2000 - April 2001

• VICE PRESIDENT LENDING

Gold Bank

June 1998 - 2000

• SR UNDERWRITER

Patriot Financial

1995 – 1998

• SR UNDERWRITER

Corinthian Mortgage

1988 – 1995

• COMPLIANCE SERVICING UNDERWRITING

Charles F Curry

June 1980 - 1988

DESIGNATIONS

• Department of Veterans Affairs Sr. SAR (#2479)

• Department of Housing & Urban Development DE Underwriter (#L711)

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