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To obtain employment where I can utilize my expertise in due diligence, underwriting, auditing, multi-tasking, customer service, decision-making and leadership.​
Skills and Accomplishments
Over 20 years in a frontline underwriting role: reviewing credit, income, asset and appraisal documentation for final decision on Conventional, FHA, VA and USDA loan products. Extensive experience as a FHA Approved Credit Examiner, FHA Approved Direct Endorsement Underwriter, VA LAPP/SAR approved, FHLMC and FNMA Underwriter.
American Institute of Banking 1986 Appraisals Buffalo, NY, USA Was one course taken Received Certificate for passing the course.
Erie Community College North 1981 Liberal Arts- Humanities Williamsville, NY, USA Attended college part time for 2 years. Did not finish degree.
Williamsville South High School 1977 High School Diploma: Majors: Math, Music Williamsville, NY, USA
Milend, Inc. November 2016 to Current Mortgage Underwriter
Atlanta, GA
Responsible for final review & decision on credit packages (credit, income, assets, etc.) and appraisals with all related documents. Conventional and FHA loan products.
Ameris Bank March 2015 to November 2016 Mortgage Underwriter
Marietta, GA
Responsible for final review & decision on credit packages (credit, income, assets, etc.) and appraisals with all related documents. Conventional, VA and FHA loan products.
Wells Fargo Home Mortgage January 2013 to January 2015 Consumer Underwriter 3
Alpharetta, GA
Responsible for final review & decision on credit packages (credit, income, assets, etc.) and appraisals with all related documents. Conventional, VA and FHA loan products.
United Guaranty July 2012 to January 2013 Fraud Investigation Specialist
Sandy Springs, GA
To review and investigate credit package documentation to insure accuracy of data and guideline acceptability.
United Guaranty June 2011 to July 2012 Appeals Specialist
Sandy Springs, GA
To review Lender submitted appeals to determine if claim was to be paid or denied. This included use of credit package and appraisal review knowledge.
United Guaranty July 2010 to June 2011 Sr. Loan Qualification Specialist (LQ Manager)
Sandy Springs, GA
Responsible for review of delinquent mortgage loans to determine if all guidelines had been adhered to and if any misrepresentation was involved. This included knowledge of credit packages and appraisals. Provided training for all new FDM Specialists and covered for the Team Manager when they were not available or out of the office. Headed up several special projects ti insure timely completion.
United Guaranty March 2010 to July 2010 FDM Specialist (LQ Reviewer)
Sandy Springs, GA
Responsible for review of delinquent mortgage loans to determine if all guidelines had been adhered to and if any misrepresentation was involved. This included knowledge of credit packages and appraisals.
United Guaranty October 2009 to March 2010 Loan Qualification Specialist
Sandy Springs, GA
Responsible for review of delinquent mortgage loans to determine if all guidelines had been adhered to and if any misrepresentation was involved. This included knowledge of credit packages and appraisals.
Amerisave Mortgage May 2009 to October 2009 Mortgage Underwriter
Buckhead, GA
Responsible for final review & decision on credit packages (credit, income and asset documentation) and appraisals with all related documents.
AME Financial Corporation October 2008 to May 2009 Mortgage and QC Underwriter
Alpharetta, GA
Responsible for final review & decision on credit packages (credit, income and asset documentation) and appraisals with all related documents.  Also, responsible to complete pre-closing audit reviews on other underwriters' files.
Risk Management Group August 2008 to October 2008 Contract Due Diligence Underwriter
New York, NY
Responsible for review of delinquent mortgage loans to determine if all guidelines had been adhered to and if any misrepresentation was involved. This included knowledge of credit packages and appraisals.
The Stonehill Group November 2007 to October 2008 Contract/QC Due Diligence Underwriter
Sandy Springs, GA
Responsible for qualify control reviews on all of the mortgage analysts and provided subsequent training when needed. This included knowledge of credit packages and appraisals.
Indymac Bank January 2005 to September 2007 Bulk Underwriter/Team Lead
Suwanee, GA
Completed pre-closing reviews for several pool lenders and issued final approval in order to purchase that pool of mortgage loans.  This included used of credit package and appraisal knowledge.
Century Mortgage Group June 2002 to January 2005 Underwriting Manager
Atlanta, GA
Managed a staff of fifteen Underwriters and Data Input persons. Researched and wrote guideline manuals for each investor and provided subsequent training. Issued production reports and follow up on all audit findings. Reviewed credit packages and appraisals for all loan types.
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Professional Profile
Experienced career professional with 20 years of experience in a business environment.  This includes experience with the Department of Defense, DODEA-Europe and Leading Commercial Insurance Companies.  Additional expertise includes management and staff supervision.  Strong leadership and relationship building skills help contribute to the success of the organization.
Summary of Qualifications
  • Able to manage, supervise, inspire and motivate others
  • Exceptional written and verbal communication skills
  • Use Productivity Tools to complete required tasks
  • Punctual professional with proven record for finishing projects on time
  • Work well in team environment
  • Knowledge of US Army Paperless Contract Filing
  • Ability to identify problems
  • Excellent negotiation and problem solving skills
  • Developed and maintained professional relationships
  • Maintained electronic files and records
  • Multi-task and able to work in fast paced environment
  • Proficient in Microsoft Office Applications
  • Type 80 w.p.m.
  • Knowledge of Contract Negotiations
  • Pre/Post Award Actions
Boosted customer satisfaction ratings by 50% in under 6 months - Landstuhl Regional Medical Center 09/2016.
Received cash and time-off award 04/2017
Professional Experience
Medical Support Specialist GS 0679 - 05 Step 3 12/2014 to Current Landstuhl US Army Regional Medical Center Landstuhl, Germany
Perform duties as a receptionist, record keeping, typing and other clerical duties in support of a Military Treatment Facility in a healthcare setting.  Initiate appointments for patients for PCM visits, X-ray, Lab tests, etc.  Receive phone calls regarding the availability of appointments and procedures and book appointment accordingly.  Question callers to obtain sufficient information of personal data and update automated systems as necessary.  Interview patient's to seek information on what type of medical treatment is being requested.  Create telephone consults in AHLTA to request refills on patient's medication.  Work with other Specialty Departments (OB/GYN, Cardiology, Ortho, Radiology, etc.) to ensure collaborative care for patients.  Review and collect third party insurance information.  Compile statistical data on a regular basis on patients.  Type reports, correspondence, and schedules with a high degree of accuracy.  Responsible for format, spelling, and punctuation.  Manipulate data for outpatient/inpatient using Electronic Health Record Systems AHLTA and CHCS.  Last performance review grade Exceeds/Exceptional.
Technical Support Specialist 03/2013 to 06/2014 T-Mobile Colorado Springs, Colorado
Utilized strong Customer Service skills to assist customers with service related issues.  This included troubleshooting product and service issues pertaining to T-Mobile devices and equipment.  Subject Matter Expert in resolving device related issues which included, crash and freezing issues, memory and power issues, device maintenance, connectivity issues, and overage area explanations.  Used T-Mobile troubleshooting policies and procedures to pinpoint and resolve customer's problems.  Worked in a fast paced environment.  Quickly developed relationships with customer to gain trust and resolve issues in a timely manner.
Para Professional/Special Education GS 1702-04 05/2011 to 06/2012 Department of Defense Schools Europe Heidelberg, Germany
Familiar with the Exceptional Family Member Program.  Worked closely with students and family members to ensure EFMP Program needs were met.  Met with EFMP Students to give them one on one guided instructions and assistance.  Helped the classroom teacher facilitate the development of functional skills (dressing/grooming), functional academic skills (reading labels, counting money).  Implemented the classroom rules set in place by the teacher.  Redirected inappropriate behavior and applied learned strategies.  Helped students or groups learn the concepts being taught by the teacher.  Created new forms, contracts, and charts to track student's behavior and work progress.  Participated in various training courses and classes.  Participated in Parent Teacher Conferences.  Worked in various classrooms, media center, and office as needed.  Last performance review grade Exceeds/Exceptional.
Contract Specialist - Underwriting 05/2007 to 04/2009 Zurich North America Chicago, IL
Assumed complete responsibility for negotiation and administration of contracts from  the development of the contract through all phases of contract activity.  Prepared  requests for proposals, evaluated proposals received to determine responsiveness to technical and other requirements as well as reasonableness of prices.  Participated in and conducted negotiations of basic contracts and modifications in the scope of work to be performed, price escalation and adjustment, and progress payments.  Explained contract requirements and advises on contract procedures and regulations.  Served as negotiation during pre-award negotiations with management officials. Utilized considerable judgment during negotiations including case history, comparison of cost data, and conclusions reached.  Recommended to Management most advantageous offer for award.  ​
Management Liability Contracting Underwriter 04/2004 to 05/2007 Zurich North America Chicago, IL Maintained and managed underwriting business quotes.  Responsible for business less than $500M in assets for the North Central Region.  Review, analyze, and investigate a diverse group of clients for D&O, Non-Profit, EPL, Fiduciary, and Crime coverage.  Compared pricing data and cost in contracts and proposals. Used office automation processing systems and a variety of software applications to accomplish a wide range of statistical and analytical information to develop competitive insurance quotes and contracts.  Strong management and multi-tasking skills demonstrated which included customer service contact with internal and external customers.  Excellent negotiating and presentation skills.  Maintained and developed strong professional relationships with various large brokerage firms.  Cultivated relationships with wholesalers, retailers, contractors, and key producers in the region.  Managed and trained lower level associates which
Bachelor of Science: Business Administration/Management 2004 Robert Morris University Chicago, IL, United States
Associate of Applied Science: Secretarial Science 1986 Robert Morris University Chicago, IL, United States
Human Resource Management Benefits Training, Zurich North America 2007
Cost Analysis & Price Comparison Training, Zurich North America 2007
Contract Management & Negotiation Training, Zurich North America 2009
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Professional Summary
Dynamic Mortgage Loan Processor with over 6 years experience in residential lending and underwriting. Historically efficient in commanding high-volume pipeline while habitually funding loans in advance of allotted time frames. Accomplished in seamlessly transitioning loans from origination to funding due to comprehensive knowledge of conventional/government loan products.

Credit and Income Analysis

Appraisal/Collateral Evaluation

Layered-risk Assessment

Well-versed in various AUS systems including DU/LP and proprietary AUS platforms

Fluent in multiple LOS's including Encompass, Empower, Calyx Point, etc;

TRID articulate

Ability to clearly detail entire loan process to prevent agitated and perplexed borrowers

Work History
Senior Loan Processor, 09/2016 to 11/2016
CashCall Mortgage Orange, CA
  • Pre-underwrote loan submissions based on DU/LP findings.
  • Reviewed credit report, preliminary title report, income documentation, and appraisal.
  • Submitted file for initial underwrite and worked efficiently on conditional approval to satisfy prior to doc/funding conditions.
  • Drew complete final closing documents package, arranged notary signing, and reviewed signed closing documents.
  • Demonstrated necessary knowledge of GFE, APR, interest rates and disclosure/re-disclosure timelines.
  • Achieved and exceeded productivity expectations and standards in time-sensitive environment.

Underwriter I, 04/2007 to 07/2009
Paul Financial, LLC San Rafael, CA
  • Performed layered risk assessment involving income, credit, and appraisal analysis. Issued conditional approval or decline based on the quality of data in loan submission.
  • Applied internal underwriting guidelines, investor guidelines and federal regulations to decision process to ensure loan quality.
  • Interacted with processors/loan officers to satisfy investor guidelines.
  • Reviewed and signed off satisfied conditions and stipulations to facilitate fundings.

Underwriter I, 08/2004 to 02/2007
Countrywide/Castleview Home Loans Brea, CA
  • Uploaded loan application, credit report, and appraisal into Countrywide CLOUT AUS.
  • Analyzed CLOUT loan findings and conditioned accordingly. Reviewed submitted borrower documentation including income, appraisal, and preliminary title report to ensure program specific guidelines were met.
  • Issued final approval for documents and signed off satisfied conditions for funding.

Loan Processor, 02/2002 to 06/2003
Home Loan Center Irvine, CA
  • Verified loan package for accuracy, including but not limited to credit, income, assets and work history.
  • Interviewed applicants to detail loan process and request needed documentation.
  • Opened title/escrow, verified employment, income, mortgage history and cash reserves as specified. Expediently satisfied prior to doc conditions to expedite borrower signing, and quickly satisfied prior to funding conditions to accelerate fundings.
High School Diploma: La Puente High School - La Puente, CA
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Professional Summary

Sales and customer service professional skilled in development of new business as well in maintaining existing client relationships. A high integrity professional possessing exceptional communication, negotiation, and interpersonal skills. High energy, results oriented leader for developing and executing successful business solutions   

  • Outstanding interpersonal and communication skills
  • Maintaining business to client relationships
  • Great negotiation skills
  • Customer service and sales skills
  • Conflict resolution 
  • Bilingual English/Spanish 
Work History
Account Executive 1, 07/2017 to Current
Balboa Capital Corporation Costa Mesa , California
  • MAKE 200 +daily calls to prospects and existing customers.
  • Work with companies valued up to $10,000,000.
  • Establish and grow relationships with customers.
  • Provide appropriate financing solutions that address customers individual needs.
  • Position Balboa Capital's financing solutions as a strategic advantage to our customers.
  • Close deals and meet individual sales goals.
  • Communicate in a professional and friendly manner.Bring an energetic and professional attitude with a high level of integrity. 
Collection/Call Center Agent, 11/2016 to 06/2017
Conifer Health Solutions Anahiem, Ca
  • Responsible for providing quality customer service while performing collection of assigned outstanding aged accounts balances. 
  • Maintains exceptional service and integrity with customers and client accounts through accurate timely relevant and quality work efforts of all inventory assigned to the self pay billing revenue cycle and call center. 
  • Document all collection activity maintains and organizes unit and responds to all correspondence, communication and or verbal inquiries from all parties.
  • Establish time payment plans, reset time payment plans, make phone calls and negotiate payment plans on accounts in accordance to client policy and practices.
  • Research accounts on work list with non time payment primary status and update account accordingly to continue on in the revenue cycle. 
Call Center Agent , 04/2014 to 06/2016
Carrington Mortgage Holding Anaheim, Ca
  • Make outbound calls via dialer to potential portfolio loan prospects and internet leads.
  • Receive inbound calls from direct mail campaigns and other lead aggregators.
  • Record call outcomes and dispositions lead/accounts
  • Conduct live call transfers to licensed loan officers.
  • Act as single point of contact for potential borrowers and Cres real estate agents.
  • Prepare and mail marketing packages to customers and B2B brokers and affiliates.
  • Communicate with other associates such as Loan Officers, Managers and Brokers through email and other channels.
  • Made 150 thru 250 outbound calls daily.
  • Utilize multiple industry specific systems Fiserv, Encompass, Velocity, Crm, Onbase, Aspect/Lyrical dialer to perform job duties

Loan Modification Underwriter, 05/2012 to 04/2014
Carrington Mortgage Holding Anaheim, Ca
  • Responsibilities include verifications of documents from process support.
  • Refers to standard guidelines to complete verification of income, occupancy and hardship.
  • Calculated income using frequency or year to date method, calculated borrowers front and back end debt ratios.
  •  Reviewed credit reports for undisclosed debts, judgements and liens. 
  • Reviewed title reports for investor first lien position, tax liens or other discrepencies.
  • Reviewed tax returns (all schedules for undisclosed income or investment accounts).
  • Identified types of amounts of liquid assets the borrower holds through bank statements/transcripts, reviewed property inspections for property condition.
  • If further information or documents needed will request from process support.
  • Complete task required per investor specific guidelines in necessary applications. 
  • Approved or denied loan and documented final decision.
Loan Mod Specialist, 05/2010 to 05/2012
So Cal Home Benefits Santa Ana, Ca
  • Handled inbound sales lead calls to convert into sales.  
  • Qualified borrowers based on income, assets, expenses and hardship. 
  • Calculated borrowers income from documentation and paystubs.
  • Reviewed tax returns for indisclosed income, benefit and rental income.
  • Ensure compliance with all applicable regulations.
  • Submitted complete packages for final approval.
Associate of Arts: Business/Criminal Justice, Santa Ana College - Santa Ana

High School Diploma: 1994
Valley High School - Santa Ana, Ca