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University of Phoenix
Aug 2001Dec 2004


University of Oklahoma

Work experience

Sep 2006Aug 2009

QC mortgage underwriter

  • Reviewed closed mortgage files against FHA, Freddie Mac, Private Mortgage Insurance, and investor guidelines.
  • Reviewed appraisals and income documentation for discrepancies.
  • Used public records to evaluate the accuracy of the borrower’s identity, assets, and debts.
  • Identified fraudulent activity and reported to the client information which would assist in their investigations.
  • Provided due diligence to investors of bulk packaged mortgage loans prior to securitization.
  • Specialized in mortgage insurance claims.
May 2003Sep 2006

Operations Manager

First Financial Mortgage Group, LLC
  • Managed Marketing and Networking of new Commercial and Residential clients.
  • Provided all the research and development for the Commercial Lending Division.
  • Worked with multi-family, retail/office, land development, and hotel/restaurant Commercial Mortgages.
  • Worked FHA/VA residential and multi-family mortgages.
  • Processed, cleared conditions, and closed on Commercial and Residential Mortgages by ordering appraisals, title work, and credit reports.
  • Provided Post-closing follow up with borrower to insure referrals and/or repeat business.
Aug 1996May 2003

Assistant Manager/Loan Officer

Financial Freedom Senior Funding Corp.
  • Sales, Marketing, Networking, and Loan Origination in Oklahoma, Arkansas, Louisiana, Texas, Missouri, Colorado, New Mexico, Kansas and Nebraska.
  • Generated leads and made contacts within all counties of Oklahoma and Arkansas.
  • Oversaw approximately 250 loans per month in the regional office pipeline (totaling $30,000,000) from the start of processing to the time of closing/funding.
  • Processed, cleared conditions, and closed on FHA/HUD Reverse Home Equity Conversion Mortgages by ordering appraisals, title work, termite, flood, and credit reports.


•6 years experience as a professional manager.•3 years of mortgage analysis/forensic underwriting experience.•10+ years of experience in residential mortgage processing, originating and underwriting.•3 years of experience in commercial mortgages.•Ability to direct complex projects from concept to completion.•Financial analysis and budgeting skills•Financial Modeling•Due Diligence•Self-sourced Origination•Sales•Fundraising•Excellent written communication skills.


G. T. Harmening

Glynda Emerson

Wendy Chase


Awards & Recognitons ADFITECH:
  • Received a production bonus in April of 2007.
  • Received a production bonus in July of 2009.
 First Financial Mortgage Group, LLC:
  • Cut purchasing costs 30% through vendor partnership program.
  • Received production bonuses for 2003 through 2005.
  • Successfully implemented a strategic plan to gain commercial lending business.
Financial Freedom Senior Funding Corp.:
  • Received  'STARS' award in September 2001.
  • Received  'STARS' award in September 2002.
  • Achieved excellent customer service rating from 2000 to 2003.


Effective with Ambiguity
 Including Business Communications and Reports.
Research and information retrieval
Learning and synthesizing new ideas
Mortgage Underwriting
Including Auditing for fraud, DU/LP and PMI guides.
Public Speaking and Presentation Skills
Analytical and Creative Thinking
Data modeling, spreadsheet design, formula creation, template design
Mortgage Processing
Mortgage Processing,  including DU and LP
MS Office
Microsoft Office 1995 through 2010