Samson Tuliao

An experienced real estate professional with over 20 years in the financial industry both client facing sales and operations between retail and wholesale. Achieving great successes by utilization of my personal and professional “3 C’s”; Communication, Compassion and Compromise. To effectively communicate, with compassion to understand other’s perspective and to compromise to overcome adversity and thrive.

Corporate Training Supervisor- Underwriting Training at theLender- Hometown Equity Mortgage- NON-QM (2025-04 – 2026-10)

• Maintained underwriting authority of $1M
• Leader in the learning and development department within UW, Operations and Sales departments with strong focus on Underwriting management deliverables and delegation of projects with trainers.
• Sole content creator with assistance of AI in Claude, Co-Pilot, ChatGPT, etc to develop and manager the Training and Underwriting SharePoint sites, video creation & editing and trainings around P&P.
• Worked closing with Quality Assurance/Control, Credit Policy, Risk Management to identify, create and develop policies, procedures and workflows as well as training needs.
• TPO Portal project lead in the development and delivery of nationwide training for Sales and Brokers on the new TPO Broker Portal involving full file walkthrough from pricing and disclosure requirements to closing and funding.
• Cross functional training and development between file setup, broker approval, processing, underwriting and sales. Strong focus on QM vs NON-QM for cross training of underwriters.
• Product specific training of Non-QM DSCR, Bank Statement, Asset Depletion, P&L, 1099, ITIN, Foreign National, Full Doc commercial/investment business purpose and consumer purpose transactions, Closed-end and open-end second mortgages including HELOCs.
• Full appraisal trainings to include non-warrantable projects, mixed use properties, and standards of appraisal evaluations.

Senior Underwriter & Project Management at ACRA Lending- NON-QM (2024-09 – 2025-04)

• Responsible for underwriting Non-QM DSCR, Bank Statement, Asset Depletion, P&L, 1099, ITIN, Foreign National, Full Doc commercial/investment business purpose and consumer purpose transactions.
• Responsible for pricing of loans, reworks, restructures, counter offers, appraisals, title, income and asset clearance.

Senior Underwriter & Project Management at Homeward Mortgage (FinTech) (2021-05 – 2022-11)

• Underwriting conventional conforming loans for purchase to FNMA, FHMLC, Jumbo and Super Jumbo products, Buy Before you Sell and Buy with Cash niche product.
• Project management on system development and system update needs within Encompass, Sales Force and Blend.
• Successfully managed and developed training and credit authorization metrics for 24 Underwriters, quality controls, auditing, and second level review for policy and procedure creation and updates.
• Reviewed and audited test cases according to self-developed metrics providing results, feedback, and developed or provided additional training and materials to empower our employee with the knowledge needed to successfully gain signing authority.
• Client Advocate for process improvement and developed streamline operations and workflows to reduce timeline and promote and improve client experience.
• Met with Mid-Senior leadership on a bi-weekly basis for development and implementation of mortgage 101 training for new hires and continuing education.
• Selected by associates and management to be a “TrailBlazer” for continued system testing and identifying areas of development within Encompass for decreased turn times, increased productivity and adherence to compliance needs.

Senior Underwriter & Pilot Testing at OnQ Financial (2020-09 – 2021-04)

• Underwriting conventional conforming loans for purchase to FNMA or FHMLC
• Underwrite Jumbo and Super Jumbo loans with investment maximum loan limits (upwards of $5M) for multiple investors.
• Lead Jumbo Underwriter analyzing company’s current position with investors, identifying challenges within the department’s execution, and reducing turn times by streamlining processes and workflows.
• Ensured and realigned loans according to specific scenarios pertaining to multiple lending partners/investors guidelines and overlays.
• Direct to Consumer (DTC) Pilot for Pods providing feedback in areas of opportunity both process and procedures as well as streamline process opportunities for increased client experiences with use of streamlining processes.

Underwriter at Keller Mortgage (2020-06 – 2020-08)

• Underwriting conventional conforming options for sale to upwards of a wide variety of purchasers.
• Ensured and realigned loans according to specific scenarios pertaining to multiple lending partners/investors guidelines and overlays.

Loss Mitigation Underwriter at Freedom Mortgage (2018-11 – 2020-01)

• Analyze loans for loan modification options with FNMA, FHA, VA and USDA loans.
• Provided workout options for borrowers based on eligibility within investor/agency requirements.

Operations and Fulfillment Management- Underwriter- Transaction Coordinator- Servicing at Shatar Capital Inc.- HARD MONEY LENDING (2018-11 – 2020-01)

• Analyze commercial real estate loans for Hard Money Lending, Brokered Loans, and Private Lending.
• Market Analysis to determine marketability and profitability of potential acquisitions and developments.
• Transaction Coordinator, Loan Package Preparations, Assignments and NOD doc preparations.
• Construction Project management in the development of Fix and Flips with budget control and bidding negotiations.
• Loan servicing, budget management, associate management, file maintenance.
• Loan Sales negotiating terms and managing risks of potential loans.
• Office Management- coordinating with the CEOs of the various entities in the funding of new deals, alignment of assigning current loans with other investors, maneuver funds by sales of loan notes or assignments. Negotiated splits with private money investors and fees with brokered loans.

Dedicated Lending Associate; Home Lending Officer; Credit Underwriter 3 OE SAFE Act (Senior Underwriter and Interim Team Lead); Project Management- Subject Matter Expert, Mentor & Business Development at Citibank/CitiMortgage (2012-11 – 2018-07)

11/14-07/16 Dedicated Lending Associate- 07/16-07/18- Home Lending Officer- NMLS#1006666 11/12- 11/14 Credit Underwriter 3 OE SAFE Act (Senior Underwriter and Interim Team Lead)

• Discussing mortgage options and terms with potential clients to ensure their financial goals are being met.
• Coordinating and attending open houses and other borrower or real estate professional events to leverage and penetrate the market, specifically speaking at Home Buyer Seminars with High Reviews from attendees and organizers.
• Performed complete underwriting risk analysis on complex loans with delegated authority of $750,000.00 of various loans such as Agency, Agency Jumbo and Non-Agency loans.
• Additional responsibilities include MI Loans, second signature reviews, home equity loans, assisted in training and development, coaching, analyzing reports, and providing solutions for better results.
• Assisted in managing a team of 15-20 underwriters
• Project management with UAT Testing for software improvements on proprietary software.
• Subject Matter Expert leading up to 60 associates in quality and daily desk routines to promote production.
• Analyzed reports and provided my opinions to leadership to look into process and procedure improvement or performance improvement plans for associates.
• Project management assisting in UAT testing for ULDD providing feedback in defects to the system and analysis the potential issues that may arise- Fannie Mae Updates that affect the LPM system and deliverables to the GSEs.
• Worked for over 1 year in identifying competition’s exposure in the market and to discover other products, procedures and organizations in which the company may benefit and expand.

Consumer Loan Underwriter II at Wells Fargo Home Mortgage (2010-11 – 2012-09)

• Decision loans to ensure the file is within investor guidelines, regulatory requirements. Review of credit, capacity, capital, characteristic in credit, income, assets, appraisal, title, risk and logic.
• Maintaining 0% defect rating on FNMA and FHMLC investor audits with above average quality. Lending authority of $1 million for conventional loans.
• Worked on a decision offload site in handling loans from various sites in an overflow between retail, wholesale and private bank.

Junior Underwriter/ Home Service Specialist II; Leadership and Management Trainee through Mentor Program and Subject Matter Expert at Bank of America (2009-01 – 2010-11)

Junior Underwriter/ Home Service Specialist II 02/07-02/08 Bank of America (Aerotek) 01/09-11/10 Conventional, 02/07-08/07 Conventional, 08/07-2/29/08 Government (FHA &VA)

• Loan underwriting and processing with delegated credit signing authority in making approval or denial decisions with $650,000 conforming and non-conforming lending authority. Full underwriting with credit, income, assets, title, appraisal, and risk analysis.
• Top 105 producer maintaining a 0.04% defect rating.
• Conducted site meetings, participated in one-on-one coaching on a weekly basis and passing management tests with significant scores.
• Analyzed training material to help interpret efficiently and accurately for teammates and associates.
• Project management lead for New York CEMA loans with direction of creating a specialized team to handle all New York Loans.
• Analyzed updates provided to the department to identify department impacts effectively communicated to our site of over 100 associates.

Account Manager/ Production Specialist/ Account Executive at Aegis Wholesale Corporation (2006-05 – 2006-12)

Account Manager/ Production Specialist/ Account Executive 05/06-11/06 Account Manager

• Liaison between Internal Prime Account Executive, Loan Officers, Brokers and Operations.
• Inside Sales- 1 st month hit $800,000.00 in sales- 2nd month hit $1.5million in sales. 100% of files submitted were considered 1 touch full approvals.
• Worked closely with Underwriters, Regional Operations Managers, Account Managers, Brokers, Real Estate Agents,
• Top producer and liaison for Brokers, Real Estate Agents, Account Executive, Loan Officers
• Maintained a pipeline of high volume reaching over minimum goals set forth by management.
• Overall Loan Processing obtaining documentation to gain loan approval and prepared for closing.
• Selected as compliance lead and bringing the company from 6 months out of compliance to current within 1.5 months.
• Selected as the skeleton crew to finalize the office closure due to company exiting the market.

Broker Coordinator II/Account Manager (Mortgage Loan Processor) at Meritage Mortgage Corporation (2002-11 – 2006-04)

• Top producer and liaison for Brokers, Account Executive, Loan Officers
• Maintained a pipeline of high volume reaching over minimum goals set forth by management.
• Overall Loan Processing obtaining documentation to gain loan approval and prepared for closing.
• Other Positions Held: Production Mortgage Assistant, Closer I, Mortgage Assistant, Post Closing, HMDA Compliance

Diploma in General Studies – Englewood Senior High School (2001-05)

Incomplete in Real Estate Finance – Columbia College of Missouri