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PHONE NUMBER AVAILABLE EMAIL AVAILABLEWork ExperienceDigital Risk, Maitland, FL July 2020 - PresentSenior Mortgage Loan UnderwriterUnderwrite residential mortgage loans in accordance with Conventional guidelines.Input of data and analysis of findings in Loan Prospector, Desktop Underwriter, Asset wise, other AUS engines, and OES. *Identify and assess overall risk and potential fraud exposure resulting from clients' underlying business practices.Meet the minimum daily production goals plus clearing conditions and perform within department audit standards. *Review of credit reports to determine credit patterns, current liabilities, outstanding judgments, and collections.Review of residential mortgage appraisal forms and calculations of Loan to Value ratios.Analyze income from salaried, commissioned, self-employed, investments, fixed income sources. Analyze assets statements for all types of asset accounts.Kingdom Builders, San Antonio, TX February 2018 - July 2020Office ManagerMaintain organized and up-to-date records of children and staff, including attendance, medical records, and emergency contact information.Manage the enrollment and registration process for new children, ensuring all required paperwork is completed and filed.Handle inquiries, schedule tours, and provide information to prospective parents.Maintain a safe and secure filing system for confidential informationAssist in budget preparation and monitor expenses related to office supplies, equipment, and administrative costs.Process tuition payments, track accounts receivable, and communicate with parents regarding billing and payment inquiries.Work closely with the director to ensure accurate financial records. 3. Staff Support: - Coordinate staff scheduling and manage time-off requests.Assist in the hiring process by collecting and organizing candidate information, conducting reference checks, and facilitating onboarding paperwork.Maintain staff records, including certifications and training documentation.Serve as a point of contact for parents, staff, and visitors, providing excellent customer service.Manage communication channels, including emails, phone calls, and in-person inquiries. *Prepare newsletters, announcements, and informational materials for parents and staff.Stay informed about childcare licensing regulations and ensure the center's compliance with all requirements.Assist in preparing for inspections and audits by maintaining accurate records and documentation.Loan Logic, Jacksonville, FL July 2016 - February 2018Post Close UnderwriterReviewed closed loans for compliance review.Captured loan data and conditioned files for correctable compliance and closing items.This includes evaluating and/or examining transactions to ensure accuracy and thoroughness; and ensuring that documents are consistent and align with existing company and industry guidelines, Performing appropriate high cost, APR, amount financed, state predatory and Post 2010 RESPA test Analyzing the Note, mortgage, and assigned with emphasis on accuracy Reviewed all closing documents and disclosures on all loans Made final determination on recommending loan for purchase to investors based on my review LTV, DTI, Terms and Rate Monitors and ensures timeline check-points are met for compliance projects.Participates in development of compliance sessions/presentations.Bank Of America, Jacksonville, FL February 2017 - April 2017Sr. Flood insurance SpecialistReviewed commercial and corporate loan portfolios for flood insurance.Performed flood insurance operation control activities.Managed workload and daily production.Additional duties include Contacting flood insurance agents to ensure policy has been paid and scheduled to be renewed Ensured flood coverage is adequate Initiated force placed flood insurance Performed quality checks to ensure accuracy Ensured files complies with OCC guidelines.FIS January 2015 - July 2016Consumer UnderwriterMonitored and communicated with internal and external customers regarding regulatory changes that impacted the client's product and services.Interfaced with legal counsel and federal, state, and local agencies, as needed to resolve regulatory issues.Participated in internal education sessions promoting compliance awareness.Additional duties include Conducts compliance assessments and provides direction on any deficiencies resulting from scheduled product reviews.Analyzed and collected all pertinent information needed to assess the risk to meet proper company and federal guidelines.Participates in development of compliance sessions/presentations.Monitors and ensures timeline checkpoints are met for compliance projects.Directs and approves internal and customer communications covering compliance issues (bulletins, position statements, monthly reports, etc.).Wells Fargo, Jacksonville, FL January 2013 - December 2015Loan Verification AnalystWorks closely with attorneys and Foreclosure team to serve as expert witness for the company, verifying documentation and loan terms in legal proceedings for Fannie Mae, Freddie Mac, and Wells Owned loans Demonstrates understanding of the importance of compliance and adherence to business and regulatory policies Manage a pipeline of work from assignment to completion with attention to detail under tight deadlines.Experience reading, understanding, interpreting, and researching documents, e.g.Loan origination, legal, or real estate documents.Additional duties include Use of MSP with access to all clients (512, 708, 106, 936, 472, 591, 685) Attend trials, depositions, hearings, settlements conferences regularly on behalf of Wells Fargo.Review and approves contested attorney fees Provide answers during cross examination by defendant's attorney or judge to questions relating to the foreclosure Manages a portfolio of loans in the Wells Fargo portfolio that are in various stages of litigation.Wells Fargo, Jacksonville, FL March 2012 - January 2013Consumer Loan UnderwriterPrimarily responsible for reviewing financial statements, credit reports, and applicable ratios (i.e.Debt ratios, loan-to-value) in the underwriting process.This includes evaluating and/or examining transactions to ensure accuracy and thoroughness; and ensuring that documents are consistent and align with existing company and industry guidelines.Additional duties include Implementing fraud detection techniques, performing compliance reviews Assisting with re-negotiations of loans based on lending guidelines Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision Provided work direction and training to lower-level team members and provided performance feedback to supervisor/manager Preparing formal reports for review Loss Mitigation/ Property preservation manager.JPMorgan Chase, Jacksonville, FL March 2011 - March 2012Loss Mitigation Underwriter/ Team LeadCollaborated with underwriters daily to review legal documents for accuracy (i.e.Deeds in Lieu, foreclosure, forbearance agreements, and suits.) Completed monthly quality reviews and established team goals.Additional duties include Reviewed reports showing daily files worked.Able to direct, lead, and motivate Conducted weekly team meeting to establish team goals.Coached and mentored team members with strong communication and relationship building Developed performance goals for team members.JPMorgan Chase, Jacksonville, FL Dec 2007 - Mar 2011Telephone Mortgage BankerPrimary functions were to review borrower credit for monthly expenses, and ensure borrower has an escrow account set up to ensure the borrower is making a full Principal, Interest, taxes, and insurance payment.Reviewed customer files and offer loss mitigation options and analyzed reasons for delinquency and offer loss mitigation options.Receive and process requests for modifications, short sales, and payment arrangements.Contact realtors and first lien holder to follow up on short sale approval.Review LTV, DTI, Terms and Rate Review HUD 1, Sales contract, income documentation to receive approval for loss mitigation options.Offer and negotiate settlement on unsecured debt, receive inbound telephone calls regarding customers' account information Receives and process NACA file for possible trial plans or placing on permanent modifications.Assisted manager in trainings Assisted team members with escalated file, phone calls, and emails. Compliance Analyst.SkillsProficient in Microsoft SuiteIntuitSquare10 Key TouchEducation:Bachelor/ biblical studies/ Bread of life Christian university theological seminary/ USA/2023John Jay High school Diploma in San Antonio TX graduates in 2002 |
