Customer Service Regulatory Compliance

Underwriting Manager

Empowering Leadership/Development Processes/Motivated by Metrics

Operational manager with 7+ years of leadership/management experience, 28+ years in the financial industry. Proven results identifying areas of strength and weakness and implementing company policies standards, changes in operation, and systems that optimize productivity and bottom line. Serviced top financial companies in the industry as well as outsourced vendors.

Qualification Summary

Analysis/Analytical

Asset Based Lending

Commercial Lending

Development Process

Entrepreneurial/Innovative

Operational Management

Performance Measurements

Project Restructuring

Regulatory Compliance

Service Level Agreement

Underwriting

Career Highlights

Demonstrated ability to motivate skilled professionals and high-performance teams. Managed a team of 100+ skilled professionals.

Executed go to green plan, achieving and maintaining Green (satisfactory) score card results within 3 months.

Ranked #1 multiple times for Quality and production while serving as a supervisor over underwriting which positioned me for additional client project opportunities.

Able to instill vision to achieve company goals and surpass production expectation while maintaining quality and customer service integrity through total quality management.

Professional Experience

HCL Technologies/Urban Lending Solutions, LLC Highlands Ranch, Co March 2, 2020 - Current

Senior Underwriter

Underwriter of Conventional loans with high volume file completion and excellent quality.

Underwrite conventional loans through Desktop underwriter to meet Fannie Mae and Freddie Mac guidelines up to 750K within the established SLA requirements, managing the pipeline, while maintaining file quality.

Setting and clearing the conditions in Bank of America system on loan files in accordance with the investor guidelines, established processes and procedures.

Worked closely with the processors and closers to ensure file completion and coach team members as necessary for understanding of the conditions.

BANK USA, N.A. Centennial, Co July 16, 2018 – February 28, 2020

AVP-Quality Assurance Analyst III

Assist in the design and lead the execution of a risk-based quality monitoring program that tests internal controls for compliance with regulatory requirement, procedures and controls, Including call monitoring and Mystery Shop programs. Oversee and monitor the execution of independent testing programs, ensuring that they are executed in an efficient and effective manner. Develop reporting, identify risks for escalation and manage program results including identifying and driving process improvements.

Urban Lending Solutions, LLC Highlands Ranch, Co May 2016 -July 13, 2018

Underwriter III

Underwriter of Conventional loans with high volume file completion and excellent quality.

Underwrite conventional loans through Desktop underwriter to meet Fannie Mae and Freddie Mac guidelines up to 750K within the established SLA requirements, managing the pipeline, while maintaining file quality.

Setting and clearing the conditions in Bank of America system on loan files in accordance with the investor guidelines, established processes and procedures.

Worked closely with the processors and closers to ensure file completion and coach team members as necessary for understanding of the conditions.

Clayton Fixed Income Denver, CO March 2016- May 2016

Compliance Analyst

Completed testing of sub-servicers on several different topics, including FC, BK, Loss Mitigation, CFPB and many other compliance regulations.

Reviewed residential loan modifications, document audit results of adverse findings.

Analyzed loan modification workouts, specifically, loan payment histories, servicing notes, income documentation and calculations, and analyze if the documentation to support this information is accurate and in compliance with guideline requirements.

Identification and analysis of Modification Work Out documents along with their adherence to the applicable program guidelines.

Worked closely with the Team Leader to ensure the department goals are achieved and Client expectations are satisfied.

Urban Lending Solution, LLC Highlands Ranch, CO June 2012 – September 2015

Unit Production Manager –Underwriting

Execution driven transformational manager and strategic visionary, with a clear sense of purpose and urgency when faced with diverse situational challenges. Proven results achieving company/client goals, surpassing production expectation while achieving quality and customer service integrity. Extreme knowledge of efficiencies and streamlined processes earned me additional project opportunities and a promotion from Team Lead to Unit Production Manager.

Increased results by evaluating operational needs in 3 months by diminishing loan pass back insufficiencies by more than 50%, brought results effectively to 2%. Reviewed and validated mortgage loan documentation and underwriting decision of files to serve quality to both servicer and borrower.

Increased quality from average of 80% to exceeding stretch goals of 97%, reducing penalties, thus increasing company profits. Directed and managed daily processes using policies that motivated employees and ensured priorities were aligned with overall organizational goals of the client.

Prevented regulatory fines by ensuring client expectation were met with the Service Level Agreement with effective pipeline management within CFPB underwriting,

Developed and designed key metrics and training to direct lead managers to facilitate daily, weekly and monthly accountability coaching forms creating self-awareness, increase production and quality.

Convey program guidelines and changes, analyze quality control results, and implement improvement plans.

Created, directed and managed an employee appreciation committee of 12; effectively impacting and boosting moral with successful production/quality contest, resulting in excellent team performance.

Loan modification underwriting for FHA, VA, USDA and Conventional Loans- Underwrite loans and reviewed all loans for quality assurance.

Wells Fargo Bank Denver, CO December 2009 – June 2012

Collateral Analyst II

Analyzed asset accounts to determine a borrowing base on each loan portfolio with high accuracy, effectively mitigating the banks risk and compliance regulation.

Analyzed risk and monitored business borrowing and loan usage in a portfolio of 40+ formula accounts, managed a portfolio of 100+ loans with amounts varying from $1M to $100M.

Ensured that all compliance items are received and adhere to guidelines set forth in the loan documentation by also working with Commercial Banking offices and make recommendations to mitigate the banks risk.

Reviewed commercial loan documentation for terms of the borrowing against the receivables.

Knowledge of Wells Fargo systems and various Collateral Monitoring software; creating formulated spreadsheets tracking loan analysis information.

GMAC Financial Services Phoenix, AZ May 1990 – September 2008

Commercial Lending Analyst

Nineteen years in commercial lending completing various assigned projects and positions. A financial analysis position was created because of my efficiencies and ability to multi-task. I trained 18 associates on how to complete my job functions prior to restructure of the organization.

In collaboration with Portfolio Managers, analyzed P&L’s and all financial statements in the auto lending industry with loan amounts varying from $500K to $900M completing financial reviews to mitigate risk and ensure compliance.

Initiated and streamlined development of databases for efficiencies and compliance of state and federal regulation and review analysis.

Provided training, materials, development and support of new employees within Commercial Lending.

Prepared reports for completion of wholesale administrative and financial reviews.

Various duties of ACH banking transactions and collections of funds of retail and wholesale payables, reviewing credit reports, Dun&Bradstreets, LexisNexis and filing and reviewing UCC’s.

Audit of vehicle loan titles for compliance as well as inspection of vehicles when preforming audit at dealership location.

Thorough customer service skills: resolving problems, satisfying needs, promoting company image.

Education

University of Phoenix, Regis University, National College of Business- Studies in Business Management and Accounting- 32 credit hours GPA 3.94

Landmark Education- Phoenix, Arizona 2008

Various Motivational seminars across the United States 2008-2017

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