I am a highly organized and results-oriented Merchant Onboarding Specialist with over 9 years of experience in merchant onboarding, risk management, and operational efficiency. Throughout my career, I have successfully onboarded an average of 100 new merchants monthly while ensuring strict compliance with underwriting regulations. My expertise lies in sales support, pipeline management, and documentation refinement, which have allowed me to contribute significantly to operational improvements.
I have a strong background in managing loan processing pipelines, including FHA, FHLB, FNMA, VA, USDA, and conventional loans. I am adept at handling complex loan documentation and ensuring timely processing within strict service level agreements. My experience includes working with multiple lending licenses across various states and receiving recognition for top performance and leadership.
In addition to my loan processing skills, I have served as a Loss Mitigation and Bankruptcy Account Manager, where I managed over 700 mortgage accounts and executed workout programs in compliance with federal regulations. I have a proven track record of achieving high commission earnings and successfully leading teams to meet and exceed targets.
I am proficient in various software applications including Microsoft Office, Encompass CoreLogic, Lending Pro LP, DU FHA Connection, and Salesforce, among others. My technical skills complement my operational expertise, enabling me to streamline workflows and enhance efficiency.
I am passionate about leveraging my knowledge and experience to optimize processes, provide strategic guidance, and support sales teams in achieving their goals. I am eager to bring my skills and dedication to a dynamic organization where I can contribute to merchant activation and overall business success.
Onboard an average of 100 new merchants and businesses monthly. Verify essential documentation and ensure strict compliance with underwriting regulations. Execute comprehensive risk management activities. Document and refine operational workflows for enhanced efficiency. Provide strategic guidance and support to the sales team. Manage the sales pipeline and generate daily performance reports for leadership.
Managed a pipeline of 10-15 FHA, FHLB, FNMA, and bank products purchase and refinance loans. Processed each file within a 2-day Service Level Agreement (SLA) for borrower welcome emails and document requirement lists. Funded an average of 7-10 loans per month, achieving an average closing timeframe of 30 days. Recognized as Top Processor in June and September 2022.
Managed a pipeline of 25-35 retail conventional refinance loans. Trained and adept at processing FHA, VA, and USDA loans. Handled each file with a 2-day SLA for borrower welcome calls and initial underwriting submission. Funded an average of 10 loans per month with a 45-day average closing timeframe. Held active MLO lending licenses in AZ, CA, CO, KY, ME, MN, OH, OK, PA, TN, VT, WA, WI. Received the “Acting Like an Owner” award in June 2021.
Served as the single point of contact for over 700 mortgage accounts experiencing default or bankruptcy. Executed mortgage default workout programs, including loan modifications, short sales, and Deeds in Lieu (DIL). Facilitated and meticulously documented all borrower communications in full compliance with the Fair Debt Collection Practices Act (FDCPA). Achieved top commission earnings for the Texas Branch in 2018, completing 60% of the company's total modifications. Earned a promotion to Bankruptcy Account Manager in February 2019.
Conducted pre-purchase audits of Conventional, Non-Conforming, FHA, and VA loan packages. Verified the presence, integrity, accuracy, and proper legal execution of all loan package data and documentation. Validated that loan packages and collateral met federal regulatory standards and compliance guidelines.
Contributed as a key member of the start-up team originating sales for the Home Affordable Refinance Program (HARP) loan product. Analyzed complex servicing platform data, which informed the development of targeted marketing strategies.
Specialized in HARP, FHA, VA, and Conventional refinance and purchase home loan sales. Kept the team informed about regulatory changes, new underwriting guidelines, and evolving market trends. Ranked 7th for both loan funding units and loan funding volume in 2011.
Originated sales for Conventional, Non-Conforming, and Government refinance and purchase loans. Led a team of 19 loan consultants and provided on-the-job training for new hires. Ranked in the top 3 for loan funding units and top 10 in conversion rates for both 2008 and 2007.
Bachelor of Science in Human Development and Family Sciences
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