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SUMMARY QUALIFICATIONS

Licensed Real Estate Agent since 1998 with multiple NAR & Real Estate Industry Designations
DFW Top Producer Units & Volume Real Estate Sales
Originating, Loan Processing, Underwriting, Closing, Post Closing, Shipping, Insuring, Servicing, QC, Risk, Training/Mentoring, & Management for operations and Underwriting.
Managed teams up to 200+ Underwriters, 9 Managers, and Support staff
Residential Mortgage Underwriter with 20+ years Underwriting experience. Conventional, FHA, VA, USDA, Jumbo, Alt-A, Sub-Prime, First/ Second Liens, DAPs, Bonds, Grants; for Correspondent, Wholesale and Retail Departments
Certified Loan Signing Agent - State Licensed Notary Public

DESIGNATIONS & CERTFICATIONS

MORTGAGE - VA LAPP/SAR, DE -Direct Endorsement UW, Certified Mortgage Loan Officer
REAL ESTATE – NAR Recognized: ABR, AHWD, ePRO, SFR, MRP, SRS, PSA, RENE
Industry Recognized: CBA, CBS, CILS, CCCC, CISAM, CLA, CMLO, COLS, CPRC, CREM, CREN, CRLA, CRLS, CTA, DIVVY DISPOSITIONS, GRED, HPA, HPAAC, PLA, RSD, STAR, TSHAC Agent.
NOTARY PUBLIC – Certified Ln Signing Agent (Reverse Mortgages, HELOCS, Seller’s Packages, & REI)
CREDIT – Certified Consumer Credit Consultant

KEY RESPONSIBILITIES AND EDUCATION

Full details on Previous job History, Education, Technology experience, Specific Skillsets, and Recommendations available at http://mtglady.wixsite.com/tricia (About Me/My Employment History)

PREVIOUS EMPLOYMENT

[Current] Sr. Lead Agent, Realtor, Redfin Corporation
Sr Agent, Realtor, Divvy Brokerage, LLC
[Current]Licensed Loan Officer, Orca Homes Loans
Licensed Life Agent, Globe Life / AIL
Licensed Local Loan Consultant, Better Mortgage
Sr Agent, Realtor, Divvy Brokerage, LLC
LegalShield / IDShield, Team Leader
Manager- Cert Loan Signing Agent, A Perfect Balance Financial Svc, LLC
Realtor Team Lead, JP & Associates Realtors
Manager, JTM Property Investments, LLC
Broker/Builder/REI/ Rehab Ops, NLRG | DREIG | Dealworks | Ascend Builder
Sr. Underwriter, Financial Network-dba Orion Lending LLC
UW Manager / Sr. Credit Risk Underwriting Pacific Union Financial, LLC
Lending Manager-3 Vice President / Site Leader /Mediations Department, Wells Fargo Home Mtg
Lending Manager-2 Asst Vice President/HP Underwriting and OCC Audit, Wells Fargo Home Mtg
Lending Manager-1(QRB) Quality Review Board, Wells Fargo Home Mortgage
Loan Admin Manager /Retail Site Quality Champion, Retail Underwriter III, Wells Fargo HM
Sr. Gov’t Underwriter, JPMorgan Chase Bank
Operations Manager / Retail Underwriter, Countrywide Home Loans, Inc
Operations Manager / Underwriting Manager, Northwood Mortgage

JOB DESCRIPTIONS

Sr. Lead Agent, Redfin Corporation

· Facilitated residential real estate transactions from consultation through closing, ensuring fiduciary responsibility and client satisfaction.

· Drafted and negotiated contracts, disclosures, and legal documents in compliance with state and federal regulations.

· Provided property evaluations, market trend analysis, and investment insights for buyers, sellers, and stakeholders.

· Managed timelines, coordinated with lenders, inspectors, title companies, and third parties to meet critical deadlines.

· Developed and executed strategic marketing plans including MLS listings, digital campaigns, and open houses.

· Maintained a high level of follow-up and customer service on a high volume of clients in my pipeline.

· Maintained professional designations and upheld NAR Code of Ethics while staying current with industry regulations.

· Facilitated residential real estate transactions from consultation through closing, ensuring fiduciary responsibility and client satisfaction.

· Drafted and negotiated contracts, disclosures, and legal documents in compliance with state and federal regulations.

· Provided property evaluations, market trend analysis, and investment insights for buyers, sellers, and stakeholders.

· Managed timelines, coordinated with lenders, inspectors, title companies, and third parties to meet critical deadlines.

· Developed and executed strategic marketing plans including MLS listings, digital campaigns, and open houses.

· Maintained a high level of follow-up and customer service on a high volume of clients in my pipeline.

· Maintained professional designations and upheld NAR Code of Ethics while staying current with industry regulations.

Skills: Reputational Risk · Content Curation & Content Management · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Digital & Social Media Marketing *** [Digital Marketing, Social Media Marketing, Social Media Content Creation, Multi-Channel Marketing, Marketing Technology ,Storytelling, Branding & Identity, Reputation Management / Reputational Risk, Customer Persona / Journey / Empathy Mapping] · Reputation Management · Credit · Performance Benchmarking · Real Estate · Risk Management · Search Engine Optimization (SEO) & Search Engine Marketing (SEM) (Including SEO Copywriting, Competitive Analysis) · First Time Home Buyers · Risk Assessment

Licensed Residential Loan Officer, ORCA Home Loans

· Licensed Loan Officer, NMLS # 2566884

· Develop business through referral networks, lead sources, real estate partnerships, community outreach, and marketing efforts ensuring timely updates and high-touch client experience.

· Conduct Initial Borrower Consultations to assess financial goals, explain financing options, and guide clients through the pre-approval and homebuying/refinancing process.

· Analyze income, credit, assets, employment, and liabilities.

· Issue Pre-Qualification letters after AUS (DU/LPA) has been run in alignment with investor and program guidelines.

· Present and compare Conventional, FHA, VA, USDA, Jumbo, and other available niche programs.

· Help borrowers understand rates, terms, costs, supporting docs, conditions, and timelines.

· Complete and submit accurate 1003 Uniform Residential Loan Applications, collect supporting documents, and ensure completeness before processing

Skills: FHA · VA loans · Reputational Risk · Content Curation & Content Management · Mortgage Lending · Conventional Non-Conforming Loans · Reputation Management · Credit · Credit Scoring · Performance Benchmarking · Loans · USDA Rural Housing · Mortgage Banking · Risk Management · FHLMC · Finance · Loan Origination · Risk Assessment.

Licensed Life Agent / Manager in Training, Globe Life American Income Division: Turnquist Organization

· Built and maintained trusted relationships with new and existing customers through needs-based consultations.

· Provided financial protection solutions including life, supplemental, and accident coverage.

· Conducted one-on-one presentations to educate clients on available products and benefits.

· Developed strong communication and interpersonal skills while working independently.

· Actively participated in company trainings, goal-setting sessions, and performance incentive programs.

· Helped families protect their financial futures through tailored insurance plans.

Skills: Insurance Claims & Adjusting *** (Investigation, Settlement, Worker's Compensation, Auto, Commercial, Property & Casualty, Inland Marine )

Senior Real Estate Agent & Team Leader, Divvy Homes

• Results-driven Senior Real Estate Agent and Team Leader representing Divvy Homes, providing full-cycle real estate services from consultation through closing.

• Lead the Texas Elite Team in delivering exceptional client experiences, compliance excellence, and top-tier production across the Dallas–Fort Worth Metroplex.

• Facilitated hundreds of residential transactions from consultation to closing, maintaining fiduciary responsibility and consistently achieving high client satisfaction ratings.

• Drafted and negotiated contracts, disclosures, and addenda in strict compliance with state and federal regulations.

• Provided market-driven property valuations and investment analyses for buyers, sellers, and investors, ensuring optimal pricing and maximum ROI.

• Managed deal timelines and coordination with lenders, inspectors, appraisers, and title companies to guarantee smooth closings and on-time funding.

• Developed and implemented strategic marketing campaigns including MLS optimization, digital and social media advertising, and branded open-house experiences.

• Certified Dispositions Agent: Partnered with the Dispositions Department to accurately price, market, and manage REO inventory, maximizing returns and minimizing days-on-market.

• Trained, coached, and managed junior agents to ensure compliance, professional growth, and performance alignment with brokerage standards.

• Led client acquisition initiatives through SEO, SEM, and digital marketing strategies that generated qualified leads and expanded brand visibility across the DFW region.

• Upheld the highest professional standards through continued education, multiple NAR designations, and strict adherence to the NAR Code of Ethics.

Skills: Reputational Risk · Content Curation & Content Management · Mortgage Lending · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Negotiation · Social Media Marketing · Digital & Social Media Marketing *** [Digital Marketing, Social Media Marketing, Social Media Content Creation, Multi-Channel Marketing, Marketing Technology ,Storytelling, Branding & Identity, Reputation Management / Reputational Risk, Customer Persona / Journey / Empathy Mapping] · Reputation Management · Credit · Performance Benchmarking · Digital Marketing · Email Marketing · Contract Negotiation · Web Design · Real Estate · Team Building · Risk Management · Leading Development Teams · Cascading Style Sheets (CSS) · Search Engine Optimization (SEO) & Search Engine Marketing (SEM) (Including SEO Copywriting, Competitive Analysis) · Human Resources · Digital Photography · First Time Home Buyers · JavaScript · Web Development · Risk Assessment · Canva

Local Loan Consultant, Better Mortgage

· Local Loan Consultant NMLS # 2566884

· Managed my own mortgage originator (Loan Officer) pipeline of loans

· Maximizing lock and fund conversions for leads

· Guiding pre-approved borrowers through their home buying process and helping customers save money or leverage home equity to consolidate.

· Built strong relationships with the buyer’s vendors and kept them informed throughout the transaction

· Provided exceptional experience for all parties involved

· Collaborated with our OPS, IT, Product and Marketing teams to make the process and customer experience Better.

· Acting as a Liaison to help bring better products and program for our customers

· Promoted interdepartmental communication and culture.

· Continuously focused on ensuring all families were receiving the best possible service

Skills: VA loans · Reputational Risk · Content Curation & Content Management · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Social Media Marketing · Conventional Non-Conforming Loans · Reputation Management · Credit · Credit Scoring · Performance Benchmarking · Loans · USDA Rural Housing · Digital Marketing · Email Marketing · Risk Management · FHLMC · Finance · Loan Origination · Certified Mortgage Planning · Risk Assessment · Canva

Certified Loan Signing Agent- Managing Member, A Perfect Balance Financial Services, LLC dba Anytime Signed Sealed & Delivered

· A Division of A Perfect Balance Financial

· Detail-oriented and NNA-certified Loan Signing Agent with extensive expertise in mortgage and real estate transactions

· Specialize in guiding borrowers through loan document signings with professionalism, accuracy, and regulatory compliance

· Adept at reviewing complex closing packages, ensuring proper execution to prevent funding delays

· Skilled in communicating closing instructions, verifying borrower identity, and maintaining compliance with federal and state regulations

· Collaborate seamlessly with lenders, title companies, and escrow officers to ensure smooth, error-free closings

· Known for delivering exceptional client service and maintaining strict confidentiality throughout the signing process

· Ensure a positive, stress-free signing experience for all parties involved

A Perfect Balance Financial

· Financial & Credit Consulting

· Assist with Personal & Business Credit

· Business Funding up to $1.5 mil

· Notary and Bookkeeping services

Skills: Reputational Risk · Content Curation & Content Management · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Social Media Marketing · Digital & Social Media Marketing *** [Digital Marketing, Social Media Marketing, Social Media Content Creation, Multi-Channel Marketing, Marketing Technology ,Storytelling, Branding & Identity, Reputation Management / Reputational Risk, Customer Persona / Journey / Empathy Mapping] · Operations Management · Reputation Management · Performance Benchmarking · Digital Marketing · Email Marketing · Web Design · Real Estate · Team Building · Risk Management · Cascading Style Sheets (CSS) · Search Engine Optimization (SEO) & Search Engine Marketing (SEM) (Including SEO Copywriting, Competitive Analysis) · Finance · Human Resources · JavaScript · Web Development · Risk Assessment · Canva · Communication · Customer Education and Support · Certified Mortgage Planning · Credit · Performance Improvement

Branch Operations Manager, JTM Property Investments, LLC

· As the driving force behind JTM Property Investments, I

· Lead all aspects of real estate investment operations from acquisition to disposition

· Execute strategic buying and wholesaling, flip/rehab projects, and buy-and-hold investments for maximum ROI

· Oversee daily business functions including marketing, accounting, and project financing

· Prepare and negotiate complex real estate contracts to support successful closings

· Lead and mentor bird dog teams, driving effective wholesale lead prospecting strategies

· Manage corporate filings, conduct strategic meetings, and ensure operational compliance

· Secure and evaluate contractor bids to support project timelines and budgets

· Conduct detailed project evaluations and purchase analyses to maximize profitability

Skills: Reputational Risk · Content Curation & Content Management · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Social Media Marketing · Digital & Social Media Marketing *** [Digital Marketing, Social Media Marketing, Social Media Content Creation, Multi-Channel Marketing, Marketing Technology ,Storytelling, Branding & Identity, Reputation Management / Reputational Risk, Customer Persona / Journey / Empathy Mapping] · Conventional Non-Conforming Loans · Operations Management · Reputation Management · Credit · Performance Benchmarking · Loans · Digital Marketing · Contract Negotiation · Web Design · Real Estate · Team Building · Risk Management · Cascading Style Sheets (CSS) · Search Engine Optimization (SEO) & Search Engine Marketing (SEM) (Including SEO Copywriting, Competitive Analysis) · Finance · Human Resources · JavaScript · Web Development · Risk Assessment · Canva

Realtor Team Lead, JP & Associates REALTORS aka JPAR

· Licensed Real Estate Agent leading a Team of Licensed Agents working with Buyers/ Sellers / Investors / Tenants /Landlords.

· Work with Residential, Luxury Properties, Farm & Ranch, Foreclosure, REO, and Commercial Properties.

· Responsible for timely and consistent follow-up with all leads, customers, and clients.

· Conduct initial phone consultation and send follow-up communication via email, text, and phone calls.

· Conduct face-to-face meetings with buyers and Sellers and Investors.

· Helped develop and train expert knowledge regarding mortgage financing, neighborhoods, schools and all home ownership issues.

· Provide high level fiduciary advice to all clients.

· Consult with Sellers on pricing, marketing strategies and staging homes for fast sale with maximum ROI.

· Consult with Buyers from initial contact through contract and closing to ensure the transaction progressing in a smooth and timely process

· Effectively negotiate best results for each client above all others

· Marketing management, including the Setup of leads on a drip email campaign.

· Consistent follow up with leads from Expired Listings, Geographical Farms, Past Clients, Sphere of Influence, etc.

· Evaluate and communicate with Sellers on showing feedback

· Hold critical conversations with Sellers to re-evaluate pricing as needed

· Develop and implement systems for sellers, buyers, lead generation, contact database management and front and back-office support.

· Ensure that all systems and processes run efficiently, making revisions as needed.

· Complete weekly and monthly reports for Sellers Active Listings

· Serve as first point of contact in handling customer inquiries and complaints

· Responsible for hiring, training, consulting, holding weekly team meetings, and holding accountable all team members

· Input and maintain properties description, photographs, and status updates on MLS

· Educating Buyers and Sellers through the process of one of the largest investments in their life.

Skills: Reputational Risk · Content Curation & Content Management · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Social Media Marketing · Digital & Social Media Marketing *** [Digital Marketing, Social Media Marketing, Social Media Content Creation, Multi-Channel Marketing, Marketing Technology ,Storytelling, Branding & Identity, Reputation Management / Reputational Risk, Customer Persona / Journey / Empathy Mapping] · Reputation Management · Credit · Performance Benchmarking · Real Estate · Team Building · Risk Management · Search Engine Optimization (SEO) & Search Engine Marketing (SEM) (Including SEO Copywriting, Competitive Analysis) · Human Resources · Digital Photography · First Time Home Buyers · Risk Assessment

Licensed Life Agent / Field Underwriter, Symmetry Financial Group

· Responded to inbound lead inquiries and scheduled consultations with potential clients seeking life, mortgage protection, final expense, or retirement coverage.

· Guided clients through the application process, often securing instant decision approvals in 10 minutes or less.

· Matched clients with appropriate insurance solutions based on their financial goals and protection needs.

· Managed a high-volume schedule including appointment setting, client calls, administrative tasks, and ongoing training.

· Maintained compliance and licensing requirements, including background checks and continuing education.

Skills: Life Insurance · Customer Education and Support · Customer Service · Insurance Claims & Adjusting *** (Investigation, Settlement, Worker's Compensation, Auto, Commercial, Property & Casualty, Inland Marine ) · Underwriting

Real Estate Operations Manager - Broker/Builder/REI/ Rehab Operations, NLRG | DREIG | Ascend Builders | Dealworks

• Developed and maintained a network of well over a thousand clients through effective marketing strategies and referrals

• Conducted market research to identify potential properties for clients based on their needs, preferences, and budget

• Negotiated contracts and terms of sale to ensure favorable outcomes for both buyers and sellers I or my team represented

• Created compelling property listings with high-quality photos, detailed descriptions, and accurate pricing information

• Utilized social media platforms and online advertising to promote properties and attract potential buyers

• Provided expert guidance to clients regarding property values, market trends, financing options, and legal requirements

• Collaborated with mortgage brokers, home inspectors, appraisers, and other professionals to facilitate smooth transactions

• Scheduled property showings for interested buyers while ensuring the safety of the seller's belongings

• Assisted clients in preparing their homes for sale by recommending staging techniques that maximize appeal to potential buyers

• Conducted comparative market analysis (CMA) reports to help sellers determine optimal listing prices for their properties

• Stay updated on local real estate regulations, zoning laws, and industry best practices through continuous education initiatives

• Managed the Real Estate Investment Club, Scheduled Guest Host, Event planning, Tracking, and Customer Engagement.

• Created Event Marketing Material

• Worked closely with the Builder in managing construction, Blue Tape Walk throughs, Contract Management and Quotes

• Worked with the City Planning and Zoning Committees to ensure the Build jobs met code and zoning requirements

• Worked with architecture firms to deliver suitable plans and specs, and managed Blueprint reproduction.

Skills: Reputational Risk · Content Curation & Content Management · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Digital & Social Media Marketing *** [Digital Marketing, Social Media Marketing, Social Media Content Creation, Multi-Channel Marketing, Marketing Technology ,Storytelling, Branding & Identity, Reputation Management / Reputational Risk, Customer Persona / Journey / Empathy Mapping] · Operations Management · Reputation Management · Credit · Performance Benchmarking · Real Estate · Risk Management · Search Engine Optimization (SEO) & Search Engine Marketing (SEM) (Including SEO Copywriting, Competitive Analysis) · Human Resources · Risk Assessment

Sr. Credit Risk Underwriting / Pacific Union Financial, LLC (Supporting Retail, Wholesale, Correspondent & Non-Delegated Correspondent)

• Supervised administrative staff, direct report Lending Managers, and a team of 90 Underwriters; managed a site of 200+ team members

• Directed units engaged in loss prevention and recovery of loan losses in active mediation with significant reputational risk exposure

• Led litigation processes, administered credit policy, and managed loan restructuring for both retention and liquidation scenarios

• Ensured underwriting and customer service performance goals were achieved while maintaining strict credit quality standards

• Approved loans within delegated authority limits and overseen structuring, pricing, and documentation of loan transactions

• Ensured full compliance with internal policies, procedures, and investor guidelines, while identifying and resolving department deficiencies

• Developed, implemented, and approved business unit policies and procedures to improve performance and mitigate risk

• Monitored delinquency trends, loss performance, and risk rating accuracy to protect the organization from credit exposure

• Created and executed compliance monitoring programs, evaluated results, and implemented corrective actions as needed

• Balanced operational efficiency with risk mitigation, ensuring consistency in underwriting quality and timely loan decisions

• Fostered strong cross-department collaboration with Legal, Internal Audit, and external agencies to manage litigation and reputational risk effectively

• Provided strategic leadership to align departmental goals with

organizational objectives and elevate overall credit performance

Skills: VA loans · Underwriting · Reputational Risk · Conventional Non-Conforming Loans · Reputation Management · Mortgage Underwriting · Credit · Credit Scoring · Performance Benchmarking · OCC Audit Review · Loans · Team Building · Risk Management · FHLMC · Finance · Due Diligence · Human Resources · Fraud Detection · Certified Mortgage Planning · Risk Assessment

Assistant Vice President, Lending Manager -2 Home Preservation and OCC Audit, Wells Fargo

Underwriter III-Level 4A /Primary Site Quality Champion

• Underwrote and audited all Retail loan types, ensuring compliance with credit policy, investor guidelines, and regulatory standards

• Monitored credit policies, performance benchmarks, and overall site quality performance to maintain loan quality and operational excellence

• Assisted with the production of monthly, quarterly, and ad hoc performance reports for site leadership and senior management

• Played a key role in coaching and training fulfillment center staff, including decision makers, to improve underwriting accuracy and efficiency

• Reviewed and analyzed performance trends, identifying root causes and providing strategic recommendations to management

• Collaborated with leadership to develop and implement strategies that enhance quality, reduce risk, and improve operational performance

• Served as a Primary Site Quality Champion, driving continuous improvement initiatives across underwriting and fulfillment functions

• Responsible for supervising Admin, 5 Direct Report Lending Managers and their team of 65 Underwriters engaged in approving Loan application

Skills: VA loans · Underwriting · Reputational Risk · Conventional Non-Conforming Loans · Reputation Management · Mortgage Underwriting · Credit · Credit Scoring · Performance Benchmarking · OCC Audit Review · Loans · USDA Rural Housing · Team Building · Risk Management · FHLMC · Finance · Due Diligence · Human Resources · Fraud Detection · Certified Mortgage Planning · Risk Assessment

Lending Manager-1(QRB) Quality Review Board, Wells Fargo Home Mortgage

• Managed two direct report Managers and a team of Quality Review Underwriters to achieve departmental performance and quality goals

• Coached managers and team members, providing leadership in decision-making, critical problem-solving, and escalation resolution

• Built and maintained strong partnerships with Underwriting teams, fostering collaboration and operational efficiency

• Led and facilitated department meetings for on-site and remote staff, ensuring alignment on goals and process improvements

• Oversaw staffing, PTO and event scheduling, expense tracking, performance improvement plans (PIPs), and performance appraisals

• Managed system access administration, supply orders, and operational logistics for the department

• Directed project management initiatives to streamline workflows and enhance department productivity

• Created, maintained, and updated QRB tools, departmental processes, and procedural documentation to ensure accuracy and consistency

• Established and enforced standardized quality control practices, aligning with corporate and investor requirements

• Played a key role in driving quality assurance, compliance, and continuous process improvement initiatives across lending operation

Skills: Quality Auditing · Mortgage Underwriting · Operations Management · Change Management · Project Management · Expense Reports · Workflow Management · Business Process Improvement · Standard Operating Procedure (SOP) · Regulatory Compliance · Performance Improvement

Loan Administration Manager / Retail Site Quality Champion, Wells Fargo

• Managed a team of Quality Review Underwriters, ensuring accuracy, consistency, and adherence to credit policies and procedures

• Monitored credit policies, performance benchmarks, and overall department quality metrics, providing trending data and reporting to senior management

• Coached and trained QRB decision makers and HP Underwriters to improve decision accuracy and reduce audit findings

• Partnered with Senior Leadership to enhance and refine policies and procedures, ensuring alignment with business objectives and regulatory requirements

• Led and contributed to special projects focused on developing and improving training programs, job aids, and tools to support multiple business lines

• Designed and implemented quality improvement strategies to reduce audit error rates and strengthen underwriting performance

• Played a key role in driving continuous process improvement, supporting operational excellence and compliance standards across the department

Skills: Quality Auditing · Mortgage Underwriting · Credit Analysis · Credit Risk · Performance Benchmarking · Regulatory Compliance · Employee Training · Customer Service · Customer Education and Support

Retail Underwriter III, Wells Fargo Home Mortgage

• Facilitated residential real estate transactions from consultation through closing, ensuring fiduciary responsibility and client satisfaction.

• Drafted and negotiated contracts, disclosures, and legal documents in compliance with state and federal regulations.

• Provided property evaluations, market trend analysis, and investment insights for buyers, sellers, and stakeholders.

• Managed timelines, coordinated with lenders, inspectors, title companies, and third parties to meet critical deadlines.

• Developed and executed strategic marketing plans including MLS listings, digital campaigns, and open houses.

• Maintained a high level of follow-up and customer service on a high volume of clients in my pipeline.

• Maintained professional designations and upheld NAR Code of Ethics while staying current with industry regulations.

Skills: Reputational Risk · Content Curation & Content Management · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Digital & Social Media Marketing *** [Digital Marketing, Social Media Marketing, Social Media Content Creation, Multi-Channel Marketing, Marketing Technology ,Storytelling, Branding & Identity, Reputation Management / Reputational Risk, Customer Persona / Journey / Empathy Mapping] · Reputation Management · Credit · Performance Benchmarking · Real Estate · Risk Management · Search Engine Optimization (SEO) & Search Engine Marketing (SEM) (Including SEO Copywriting, Competitive Analysis) · First Time Home Buyers · Risk Assessment

Sr. Government Wholesale & Correspondent Underwriter, JPMorgan Chase Bank

• Underwrite a high volume of Government loans, ensuring accuracy and compliance with agency and investor guidelines.

• Maintain strong working relationships with Brokers and Account Executives to support smooth loan delivery and issue resolution.

• Proactively manage loan defects and exceptions, ensuring timely remediation and quality assurance.

• Skilled in Chase Loan Center, Zippy Plus, Emagic, and TRIO systems.

• Hold highest level of underwriting delegation, responsible for underwriting and auditing all Retail loan types — FHA, VA, and Conventional credit and appraisals.

• Monitor credit policy, performance, and quality benchmarks; analyze site trends to ensure operational excellence.

• Prepare and present monthly, quarterly, and ad-hoc performance reports to senior leadership.

• Provide coaching and training to fulfillment center staff, including decision makers, to strengthen underwriting consistency and policy compliance.

• Review, analyze, and recommend strategic process improvements based on performance and trend analysis.

Skills: Reputational Risk · Content Curation & Content Management · Campaign Analytics *** (A/B Testing, Google Analytics, Data Analytics, Attribution Modeling, KPI- Key Performance Indicator Analysis) · Digital & Social Media Marketing *** [Digital Marketing, Social Media Marketing, Social Media Content Creation, Multi-Channel Marketing, Marketing Technology ,Storytelling, Branding & Identity, Reputation Management / Reputational Risk, Customer Persona / Journey / Empathy Mapping] · Reputation Management · Credit · Performance Benchmarking · Real Estate · Risk Management · Search Engine Optimization (SEO) & Search Engine Marketing (SEM) (Including SEO Copywriting, Competitive Analysis) · First Time Home Buyers · Risk Assessment

Branch Operations Manager / Sr. Retail Underwriter, Countrywide Home Loans, Inc (Bought out by BOA)

Underwriter, CountrywideKB Home Loans

• Underwrote FHA, VA, Conventional, and Second Lien loans associated with the Countrywide Financial / KB Home Joint Venture.

• Assisted with shipping and insuring all government loans, ensuring compliance and timely delivery.

• Developed a pre-shipping quality control checklist to reduce post-closing deficiencies — later adopted by the entire Regional Operations Center (ROC).

• Conducted thorough data integrity reviews of CLUES findings, ensuring underwriting accuracy and investor compliance.

Skills: VA loans · Underwriting · Reputational Risk · Conventional Non-Conforming Loans · Operations Management · Reputation Management · Mortgage Underwriting · Credit · Credit Scoring · Performance Benchmarking · Loans · USDA Rural Housing · Team Building · Risk Management · FHLMC · Finance · Due Diligence · Human Resources · Fraud Detection · Certified Mortgage Planning · Risk Assessment

Underwriter, CountrywideKB Home Loans

• Underwrote FHA, VA, Conventional, and Second Lien loans associated with the Countrywide Financial / KB Home Joint Venture.

• Assisted with shipping and insuring all government loans, ensuring compliance and timely delivery.

• Developed a pre-shipping quality control checklist to reduce post-closing deficiencies — later adopted by the entire Regional Operations Center (ROC).

• Conducted thorough data integrity reviews of CLUES findings, ensuring underwriting accuracy and investor compliance.

Underwriter, Countrywide Home Loans

• Underwrote FHA, VA, and Conventional (Conforming & Non-Conforming) loans, as well as Second Lien, Bond, and Grant-assisted products at high volume.

• Held delegated authority up to $1.5 million, ensuring loan quality and adherence to investor, agency, and regulatory standards.

• Supervised, staffed, and trained operations personnel and originators in the absence of the Branch Manager.

• Managed quality control, regulatory compliance, payroll, benefits, IT, banking functions, audits, and assisted with loan placement as needed.

• Built and maintained strong relationships with customers, realtors, builders, and business partners to ensure seamless transactions.

• Developed and implemented branch policies and procedures, ensuring alignment with corporate standards and regulatory guidelines.

• Partnered with Shipping/Post Closing departments to streamline processes, maintain compliance, and meet secondary market delivery requirements.

• Responsible for shipping and insuring all Government and Bond loans, ensuring accuracy and timeliness.

• Implemented a pre-shipping quality control system that significantly reduced post-closing deficiencies.

• Proficient in CLUES/CLOUT — Countrywide Financial’s Automated Underwriting System.

AAAa

Due Diligence Portfolio Underwriter, EMC Mortgage Corporation / Bear Sterns

• Conducted comprehensive quality reviews of loan files prior to sale on the Secondary Market or to external investors.

• Performed full underwriting reviews of credit and appraisal documentation to ensure loan quality and compliance.

• Identified and flagged potential red flags or fraudulent activity through detailed file analysis.

• Verified that loan files met investor and agency guidelines before purchase to minimize buyback risk.

• Collaborated with internal teams to address deficiencies, improve loan quality, and ensure timely delivery to investors.

• Played a critical role in protecting the company from repurchase exposure and maintaining investor confidence.

Due Diligence Underwriter, Clayton (Traveling)

• Served as a Due Diligence Underwriter for Clayton Group, traveling nationwide to review loan quality for wholesale lenders.

• Conducted comprehensive due diligence reviews of closed loan files to support investor decisions on secondary market purchases.

• Successfully completed and passed a 60-hour intensive training program with daily testing focused on industry knowledge, underwriting skill, speed, and accuracy.

• Selected from a competitive pool of candidates to perform on-site quality reviews for large loan pools prior to sale.

• Analyzed loan files and reported findings directly to investors, enabling informed purchase decisions and risk mitigation.

Skills: VA loans · Underwriting · Reputational Risk · Conventional Non-Conforming Loans · Reputation Management · Mortgage Underwriting · Credit · Credit Scoring · Performance Benchmarking · Loans · Risk Management · FHLMC · Finance · Due Diligence · Fraud Detection · Risk Assessment

Regional Underwriting Manager, SWS Bank

• Served as Regional Underwriting Manager for SWS Bank, overseeing all underwriting functions for the Texas region.

• Supervised and supported staff underwriters, ensuring consistent application of credit policies and investor guidelines.

• Developed and implemented underwriting policies and procedures for branch compliance and operational efficiency.

• Trained Underwriters, Loan Officers, and Processors to strengthen underwriting quality and production timelines.

• Partnered with Mortgage Accounting, Shipping/Post Closing, and Quality Control teams to align workflows with regulatory and investor requirements.

• Worked directly with U.S. Department of Housing and Urban Development (HUD) Underwriters at Denver HOC to successfully complete Test Cases.

• Contributed to technology development and implementation for underwriting and mortgage accounting systems.

• Utilized multiple automated underwriting systems including LP/DU (with TOTAL Scorecard) and various investor AUS platforms to streamline loan decisioning.

Skills: VA loans · Underwriting · Reputational Risk · Conventional Non-Conforming Loans · Reputation Management · Mortgage Underwriting · Credit · Credit Scoring · Performance Benchmarking · Loans · Team Building · Risk Management · FHLMC · Finance · Due Diligence · Human Resources · Fraud Detection · Certified Mortgage Planning · Risk Assessment

Retail Underwriting Manager, NWM, Inc.

• Served as Retail Underwriting Manager, overseeing all underwriting functions for the organization.

• Supervised Direct Endorsement Underwriters and trained Assistants and Junior Underwriters to ensure consistent quality and compliance.

• Managed the Closing Department during the FHA Test Case and Post Technical Review by U.S. Department of Housing and Urban Development (HUD).

• Acted as the primary point of contact for HUD throughout the company’s FHA status change, maintaining strong communication with Denver HOC underwriters.

• Completed advanced HUD training at the Denver HOC to strengthen underwriting and closing expertise specific to FHA Test Cases.

• Designed and led weekly training sessions for production and processing staff across multiple branches, including coordinating guest speakers on specialized mortgage programs.

• Utilized multiple automated underwriting systems, including LP/DU with TOTAL Scorecard and various investor AUS platforms, to support efficient and accurate loan decisions.

Skills: VA loans · Underwriting · Reputational Risk · Conventional Non-Conforming Loans · Reputation Management · Mortgage Underwriting · Credit · Credit Scoring · Performance Benchmarking · Loans · USDA Rural Housing · Risk Management · FHLMC · Finance · Due Diligence · Human Resources · Fraud Detection · Certified Mortgage Planning · Risk Assessment

Retail Mortgage Underwriter, Home Loan Corporation

• Served as Operations & Accounting Manager, maintaining strong working relationships with realtors, builders, and investors to support loan production and closing efficiency.

• Provided loan processing support and pre-underwriting review of files prior to submission to investors.

• Assisted with loan origination and closings, ensuring compliance and smooth transaction flow.

• Managed office operations, including staffing company coordination, quality control, regulatory compliance, payroll, benefits administration, IT, banking, and audits.

• Delivered training to both new and experienced Loan Officers and Processors on proper procedures, guidelines, and loan placement.

• Supported Affiliated Business Arrangements (ABA) to strengthen operational partnerships and service delivery.

• Utilized multiple automated underwriting systems, including LP/DU with TOTAL Scorecard and various investor AUS platforms.

Skills: VA loans · Reputational Risk · Conventional Non-Conforming Loans · Operations Management · Reputation Management · Credit · Credit Scoring · Performance Benchmarking · Loans · USDA Rural Housing · Team Building · Risk Management · FHLMC · Finance · Fraud Detection · Certified Mortgage Planning · Risk Assessment

Operations & Accounting Manager, NWM, Inc.