Summary

• A result driven and detail oriented residential lending, finance and sales professional with a diversified background in
• finance, underwriting, mortgage origination, processing, real estate sales, construction, and corporate training.
• Extensive accomplishments and awards in all areas including client relations, organizational goals, business processes,
• banking compliance and project management. Proven leadership in team management and coaching.

EDIT SECTION for applications Credit Counseling

• Team Management Underwriting
• Loan Originations Default Mortgage
• Loan Modifications Corporate Training
• FHA, VA, FMNA, FHLMC, FHA 203K Client Relations
• Community Outreach Financial Analysis
• Foreclosure Prevention Compliance

Professional Experience

Confidential

• Ranked Top 25 of all Servicing and Default advisors nationwide for quality and service
• Awarded 2012 Spot Award for Team Leadership Excellence
• Approved Notary for JPMorgan Chase and State of Maryland, Howard County
• Partner with Housing Counseling Agencies to expedite applications and resolutions
• Managed and loan leveled pipeline of over 200 loans to adhere to policies, Department of Justice and Treasury directives, banking compliance, REO and internal reporting. Analyze escrows, flood, insurance and closing documents for accuracy and monitor payments
• Travel and participate in Hope Now, NACA, Congressional Sponsored Foreclosure Outreach events
• facilitate resolutions and prevent foreclosures
• Communicate with underwriting, legal, bankruptcy, foreclosure attorneys, operations and non profit agencies to
• Negotiate and formalize MHA and Private Asset modifications for GSE, FHA, and VA when qualified
• ensure compliance and accuracy of modification application according to investor and federal guidelines
• Consult with borrowers who are in mortgage default to analyze and evaluate financial ability to retain home to

Confidential

• Analyzed financial documents and credit history to determine eligibility for HAMP, FHA, HUD and Wells Fargo loan modifications.
• Communicated with foreclosure attorneys to manage foreclosure process and place stops when possible
• Reviewed tax documents, credit history, income and expense documents to calculate and underwrite modifications
• Managed and loan leveled pipeline reports to assure process goals were met and loans were in compliance with Treasury, GSE and non GSE guidelines.
• Traveled to Community Outreach and Wells Fargo Preservation Events nationwide to participate in the Loss Mitigation fulfillment teams for modifications
• Completed training of new hires for Loss Mitigation and monitored for accuracy of workflow
• Reviewed and communicated closing documents and escrow requirements to borrowers.
• Achieved Delegated Authority status for FHA underwriting
• Selected for Special Project team to test new internal underwriting tool prior to implementation
• Selected as Team Lead to manage Denial process pipeline for loss mitigation
• Selected as site auditor for project to audit loans at WF India Systems for quality assurance and compliance

Confidential

• Developed new business to business broker relationships and expanded existing broker relationships utilizing professional sales techniques to prospect, identify and meet clients' needs.
• Conducted training seminars and presentations for Broker loan officers in portfolio, construction draw schedules, real estate construction, conventional and FHA product guidelines
• Organized business development activities and events to increase sales and achieve corporate goals.
• Assisted with underwriting of conventional, FHA and portfolio mortgage loans
• Reviewed, structured and analyzed loan packages to determine credit worthiness, adherence to correspondent guidelines, bank compliance and government monitoring
• Approved final closing documents and conducted remote site loan closings for construction to perm, bridge loans and permanent one-time close loans.
• Originated and managed construction loans and created draw schedules with builders
• Conducted loan closings for construction to perm, bridge loans and originated and managed construction loans and draw schedules throughout Maryland and Virginia
• Received 6 quarterly Presidents Awards for exceeding sales development goals
• Increased sales volume and accounts by over 40 with 12 months in states of Maryland Virginia
• Expanded Business to Business relationships and territory by 30 overall
• Named top Wholesale Banker of the Year

Confidential

• Analyzed financial and credit documentation to originate conventional, FHA and VA mortgage loans for builder clients. Liaison to Builder Division sales representatives and managers to present weekly training on financial policies and programs. Conducted corporate level training classes on financing and construction site development for newly hired employees throughout Maryland, Pennsylvania and Virginia. Ensured compliance with conventional investor and government guidelines.
• Consistently met and exceeded monthly loan production goals
• Closed over 60 million in mortgage volume for 2004
• Maintained a customer service rating of over 90

Confidential

• Sales and Marketing Representative for luxury single family home builder in multiple counties in Maryland. Responsible for Project Management of new construction residential communities.. Initiated site project management, land development and community marketing plans for new construction communities. Developed and implemented marketing plans. Supervised and trained production and sales coordinators in financing, building, design and corporate processes. Provided mortgage financing assistance to buyers and selection of interior and exterior options to meet client's desires and family needs. Exceeded monthly and annual sales quotas, maintained excellent customer service ratings and prepared legal purchase contracts for clients and builder
• Received President's Award for Corporate Sales Representative of the Year
• Earned Corporate President's Diamond Club Award for sales in excess of 19 million dollars
• Named Corporate Burgundy Club Member Based on outstanding performance in sales volume and customer service with endorsement of Area President
• Received Corporate Sales and Marketing Representative of the Month Awards
• Selected as Corporate Sales Trainer for Site Development and Loan Financing for new hires
• Customer Service rankings annually exceeded 90
• Consistently selected to analyze and restructure low producing communities to remarket and achieve required sales goals within development schedule
• Nominated for Baltimore Metropolitan Home Builders Association Salesperson of the Year in 2000

Confidential

• Member of Baton Rouge Board of Realtors, Million dollar producer in first year of sales
• Certificate of Appreciation from Baton Rouge City Council for serving on District Metropolitan Council