Work History

Work History
2012 - Present


Clayton LLC

Responsible for completing quality control loan reviews on performing and/or non-performing loans whether pre- or post-funding which are submitted by the Investor to Insure accurate and timely re-underwriting, loan evaluations while reviewing for possible misrepresentation, omissions, inaccuracies and red flags and to review credit, income and asset documentation for our clients, using the client's guidelines, including qualification of wage-earner and self-employed borrowers per client/investor guidelines.

Key accomplishments:

·Able to keep below a 4% error rate on all files.

·Obtained over 125% of goals set for production.

·Helped train new underwriters.

2011 - 2012

Quality Control Reviewer / Underwriter

JCIII & Associates, Inc.

Complete quality control reviews for 235 document retrieval clerks, maintaining 100% error free files and providing feedback to production staff and senior management. Review all loan documents, pull from non performing portfolios and re-create loan files for a Top 3 lender. Underwiting files for projects that require rebuttal underwriting.

2009 - 2010

Loan Review Specialist

Bank of America Home Loans

·Reviewed and underwrote mortgage loans to ensure compliance and saleability with the secondary market and CLD requirements.

·Proactively contacted clients to resolve outstanding issues and expedite funding of loans ensuring loans are purchased within established timeframes.

·Personally funded over $2B in closed loans in less than 6 months.

·Funded cleared loans to clients and suspended any loans that did not meet conditions.

·Type of loans were: FHA,VA, FNMA, FHLMC

·Generated 175% of personal goals for team.

·Exceeded daily, monthly, and quarterly goals and targets.

2006 - 2008

Managing Director

CFIC Home Mortgage

Provided day to day operations management for a Branch location in addition to producing and originating home loans. Oversaw a staff of up to 12 Loan Officers, recruited, hired and trained all staff. Developed strategic sales and marketing plans in order to achieve corporate goals. Identified process improvements and streamlined workflow in order to increase efficiency in the mortgage process. Maintained key relationships with clients. Reviewed all incoming files for compliance and fraud and helped in processing those loans that were sent to underwriting.

Key accomplishments:

·Implemented a Reverse Mortgage Division generating an additional $20M in closed loans.

·Pioneered a Hispanic marketing program for 1st time home buyers, resulting in 5% revenue growth.

Created multi-layer e-mail marketing to drive traffic to our website

2003 - 2006

Branch Manager

NovaStar Home Mortgage

Managed branch operations for mortgage lending with over $97M in annual sales. Originated and completed home mortgages. Oversaw a staff of 12 Loan Officers. Coached and trained staff to ensure compliance with all regulations. Reviewed all loan files for profitability and drove new business development by prospecting, qualifying, and closing new clients.

1999 - 2003

Branch Manager

American Home Loans

Coordinated retail loan operations for location with 7 Loan Officers. Increased monthly production from $0 to over $4M/per month within 3 months. Assisted in processing of all loans for quality and compliance. Established as the only fully approved branch to offer FHA and VA products in the state of Florida. Responsible for reversing an under-performing branch into a highly profitable group.

1998 - 1999

Assistant Branch Manager

First United Mortgage

Developed and implemented a telemarketing division, creating over 200 leads per month. Produced $2M+ in closed loans. Top producer generating $11M+ in pending and closed business.

1996 - 1998

Assistant Branch Manager

Advanta Finance Corporation

Generated average of $2M in personal volume growth. Awarded Winner’s Circle for 3 consecutive months out of 50+ associates. Initiated a Builder Program with local Construction/Perm Financing. Aided in processing all loan packages, leading to volume increase over $4M.