Account Manager at FUND LOANS CAPITAL (2026-03 – 2026-05)
- Analyzed borrower creditworthiness and collateral documentation, consistently maintaining Encompass proficiency.
- Ensured accuracy in debt service coverage ratio calculations and corporate tax return analysis for loan applications.
- Reviewed documentation for compliance with investor requirements, state-sponsored down-payment assistance programs, and Non-QM product guidelines.
- Prepared comprehensive underwriting conditions for clear-to-close status, adhering to FNMA/FHLMC standards.
Processing Manager/Underwriter at DREAM HABITAT (2025-01 – 2025-12)
- Ensures full regulatory compliance with HMDA and TRID standards for all residential and commercial submissions.
- Analyzes complex borrower financial profiles, utilizing financial calculators for accurate self-employed income verification.
- Prepares complete credit packages for submission to FNMA/FHLMC, including detailed corporate tax returns analysis.
- Reviews loan files for adherence to FHA, USDA, and VA guidelines to facilitate timely funding.
Senior Underwriter DSCR Division at NEXTRES COMMERCIAL & RESIDENTIAL (2024-06 – 2024-10)
- Analyzed borrower creditworthiness and collateral documentation, consistently maintaining Encompass proficiency.
- Ensured accuracy in debt service coverage ratio calculations and corporate tax return analysis for loan applications.
- Reviewed documentation for compliance with investor requirements and state-sponsored down-payment assistance programs.
- Prepared comprehensive underwriting conditions for clear-to-close status, adhering to FNMA/FHLMC standards.
Senior Underwriter/Processing Manager at INTRUST FINANCIAL & REALTY GROUP (2022-05 – 2024-06)
- Managed a team of 6, ensuring strict adherence to HMDA and TRID regulatory protocols.
- Analyzed complex credit packages, specifically focusing on self-employed income and corporate tax return calculations.
- Ensured documentation integrity by conducting thorough quality control audits across FHA, USDA, and VA portfolios.
- Reviewed and processed residential mortgage loan applications, maintaining compliance with FNMA and FHLMC guidelines.
West Coast Operations - Processing Manager/Senior Jr. Underwriter at THE VAN PATTEN MORTGAGE GROUP (CORRESPONDENT LENDER) (2022-01 – 2022-04)
- Managed a team of 10 staff members to ensure timely processing and submission of loan files.
- Analyzed financial documentation for accuracy, utilizing financial calculators for income assessment.
- Ensured compliance with state-sponsored down-payment assistance programs and federal regulations.
- Prepared and reviewed comprehensive loan files to meet stringent investor underwriting criteria.
Processing Manager/Northern California Senior Jr. Underwriter 1 at GOLDEN RATE SERVICES, LLC (2010-10 – 2021-12)
- Managed high-volume operations, overseeing a team of 10 for residential mortgage processing.
- Ensured documentation precision for FHA, USDA, and VA loans.
- Analyzed borrower financial data and corporate tax returns to mitigate risk before investor submission.
- Reviewed loan application completeness, ensuring adherence to Encompass workflows and internal quality standards.
