Underwriter Associate

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April 2021- Dec 2022 Underwriting @ Neo Home Loans AKA Celebrity Home Loans

Analyze and review financial statements homeowners’ association pertaining to Condo Project.
Assist with various leaders to setup process to streamline the condo the project’s.
Review and analyze financial statements, income within various investor guidelines for home mortgages .
Assist management with research regarding which investors would work with specific type of loans in order to streamline the selling of the mortgage.

May 2020 to April 2021 Assistant Vice President, Relationship Manager @ Morgan Stanley

Act as a single point of contact for various financial advisors, Private Bankers, and clients through the home loan process.
Work as part of a team within a geographic complex, branch coverage model.
Identify operational inefficiencies that arise to help improve process.
Ensure compliance with policy and procedures within Morgan Stanley as well as National lending.
Mange and negotiate counteroffer when needed.

May 2007 – May 2020 Officer – Home Services Specialist III @ Bank of America, N.A.

Assist loan applications to ensure all data was accurate for underwriting submissions.
Assist with training new processors on policies and guidelines.
Assist with obtaining required documents to meet federal compliance with commercial.
Work directly with Department Manager and employees to provide consistent pipeline management and team support.
Handle escalations, in-depth, complicated requests, and rushes on behalf of management.
Maintain a limited loan pipeline processing Conventional home loans while assuming more managerial duties with High-Net-Worth Merrill Lynch Clients.
Supervised time-sensitive relationships between contractors, analysts and clients.
Work directly with Department Manager; Financial Advisors and employees to provide consistent pipeline management and team support.
Provide coverage for any absent manager or representative
Manage and resolve escalations, challenges or rushes on behalf of management; facilitate resolution by connecting all parties involved (i.e., teammates, management, customer; Financial Advisors).
Kept up to date on any changes within the internal Bank of America and regulatory loan policies and communicate them to the team.
Manage reporting and distribution of numbers to direct team.
Manage escalations, process review, and manage closing files for direct team.
Identified and integrated solutions for challenges to daily banking operations.
Responded to external requests from clients for insight/analysis on pre- and post-loan applications.
Commercial Credit Specialist
Assist underwriting to anticipate and identify critical documents for credit review.
Maintain quality adherence of credit takers based on executed credit agreements and pre-due diligence.
Assist with pre-close tasks in preparation of internal legal documentation.
Ensure Relationship Managers and clients are kept update to date on all aspects of the credit review process.
Assist underwriting to anticipate and identify critical documents for credit review.
Maintain quality adherence of credit takers based on executed credit agreements and pre-due diligence.
Assist with pre-close tasks in preparation of internal legal documentation.
Call center Service
Handle property claims coming directly for the Office of the Controller and President.
Maintain a 24 hour turn time for executive management escalations.
Work alongside the Property Claims Compliance, Fund Recovery and the Code Violations Departments.
Complete monthly department reports to ensure service level agreements are met.
Complete special projects assigned by management
Handle financial documentation to assist customers looking to modify their home loans, request for approval of a short sale and helped people obtain copies of their mortgage deeds.
Handle inbound phone calls to help assist individual’s delinquent on their mortgage loans.
Assist management staff with new hire orientation and provide mentorship for on-the-job training for new hires.
Coach peers to ensure they meet the required performance metrics.