Download PDF

Summary (Me in 20 seconds...)

Finance Professional for a multi-national bank, with  over 15 years experience within the financial sector. Client-focused, Type-A producer with a phlegmatic temperament. Seeker of creative   risk mitigation prior to risk aversion, resulting in acceptable investment risk to the bank, in service of the client.  Collaborator who empowers teammates and enjoys lifting team morale;   Passionate about the success of both the client and the bank.

Experience

2018Present

Consumer Finance Underwriter III

Wells Fargo
  • High tier production performance, underwriting Consumer Finance product lines.
  • Q1-Q4 2019 & Q1 2020 Awards for Credit Quality,  maintained at 99%.
  • Taught new-hire training's on credit review, capacity, collateral & cash flow analysis. 
  • COVID19 Compliance auditing, responsible for >30 employee reviews.
  • Piloted a crisis team in response to the public health crisis (COVID-19), writing policy.
  • Lead in Cares Act/SBA PPP Compliance & Underwriting: as a team Wells Fargo proudly funded $10.1 billion to struggling small business owners across the U.S.
20132018

Mortgage Loan Underwriter III

Wells Fargo
  • Conventional Underwriter in direct lending; FNMA, FHLMC, & non-conforming.
  • Versed in AUS systems including DU, LP;  referred/manual underwriting.
  • Purchases, Refinances, HARP's.
  • Multiple quarterly awards for 100% scores in credit quality audits.
20102013

Senior Mortgage Underwriter

JP Morgan Chase
  • Versatile  retail mortgage Underwriter in fast paced market environment (Direct & Retail).
  • Reviewed Credit, Capacity, Appraisal, Assets and Conditions.
  • Managed Special Project assignment for Fannie Mae buy-backs.
  • Undertook OCC compliance  implementation  role for HAMP, MHA & in-house  Chase programs for loan modification, short sales & foreclosures.
20072010

Senior Mortgage Banker

Quicken Loans
  • High-volume producer; low application fall-out ratio. High revenue rate %.
  • Platinum Banker Award - May 2009.
  • Proficient in persuasion and negotiation in role, while kind and empathetic.
  • Created curriculum and performed training's on client credit repair and personal finances/budgeting.
  • Certified to originate FHA & VA home loans; pre-underwriting experience with experience in DU, LP, GUS; initiated loan package retrieval, guided clients through loan process.
20062007

Loan Officer/Assist. Underwriter

VS Financial
  • Jr. Underwriter for broker;  worked with over 70 wholesale lenders.
  • Promoted to Asst. Underwriter; prepped loan packages for Sr. Underwriters.
20062006

Loan Processor

Bank of America
  • Awarded for consecutive months >115% production goals with low error rates. Expedient completion for Home Equity loan packages.
  • Responsible for  compliance reports for team  re: Texas Home Equity laws.
20042006

Escrow Agent

Chicago Title Company (Fidelity)
  • Promoted from clerk to closing agent.  High volume office at height of Arizona housing "boom"; exclusive title company for high-end custom home builder (TW Lewis).
  • Performed title searches, opened escrow, managed logistics between buyers, sellers, lenders, real estate agents, and notaries.  Performed signings for in-office closings.