Resume
Professional Experience
2023 - Present
Hamilton Families, San Francisco, CA
Real Estate Specialist
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Market and outreach to Bay Area owners, landlord groups, and housing associations, presenting program details and cultivating landlord partnerships.
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Collaborate with Hamilton Families case managers to support client housing placement and retention, including mediation and conflict resolution with families and landlords.
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Conduct housing location services by acquiring and managing unit inventory for program participants, negotiating reduced rents, security deposits, holding fees, and unit reservations.
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Ensure families are matched with suitable housing that meets their needs and addresses housing barriers in collaboration with Housing Services.
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Facilitate the Intent to Rent to Keys process, liaising with landlords for seamless move-ins.
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Provide comprehensive housing location services for external contracts, from intake to 90-day aftercare.
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Coordinate Housing Quality Standards Inspections (HQS) per HUD standards, including documentation of lead-based paint acknowledgment and VAWA addendum.
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Maintain knowledge of fair housing laws to educate landlords, review lease contracts, and uphold best practices.
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Record, track, and share information on available housing units, maintaining the Salesforce database.
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Serve as a problem-solving landlord liaison, ensuring quality control and preserving relationships with landlords and units for future participants.
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Manage rehousing processes, including move-out inspections, lease terminations, and landlord relationship management.
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Foster healthy landlord/tenant relationships and compile resource guides on the Bay Area housing market, local landlords, tenant rights, eviction prevention, and financial advice to support families securing and maintaining housing.
2020 - 2022
Better Mortgage Corp., Remote
Senior Underwriter
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Underwrote conventional and Jumbo loans within SLA requirements while maintaining file quality and exceeding productivity goals.
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Rendered credit decisions and cleared file conditions per client guidelines.
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Ensured compliance with agency/client requirements by navigating multiple guideline sources.
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Conducted complex financial analyses, including partnership and corporate returns.
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Managed reworks, suspense, and denial notices.
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Reviewed investor suspense loans and quality control audits.
2010 - 2018
Summit Funding Inc., Campbell, CA
Senior Underwriter
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Underwrote conforming, jumbo, and non-QM loans per investor guidelines, ensuring soundness, business value, and compliance.
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Evaluated debt coverage ratios, credit, property valuations, and other factors for loan viability.
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Maintained sound underwriting practices and adhered to established mortgage loan guidelines.
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Conducted timely reviews of submitted stipulations/conditions.
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Ensured compliance with investor, secondary market, and internal lending policies.
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Served as a delegated or direct-endorsement underwriter per investor, insurer, or guarantor requirements.
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Performed other duties as assigned.
2019 - 2020
Fremont Bank, Remote
Senior Underwriter
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Reviewed and evaluated credit reports, title reports, judgments, bankruptcies, appraisals, property valuations, and income documentation to ascertain loan viability and identify risks and potential fraud.
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Performed and reviewed DU/LP/Assetwise for soundness, business value, and investor compliance.
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Analyzed and calculated personal and business income statements to support final loan decisions.
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Followed up on appraisals and outstanding conditions, ensuring timely issuance of documents and funding.
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Underwrote complex loans on portfolio, conforming, jumbo, wholesale, and retail products in-house.
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Provided direction and training to lower-level team members and gave performance feedback to supervisors/managers.
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Maintained the highest underwriting production level with no errors.
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Communicated with loan officers and team members to gather information and explain credit decisions.
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Recommended loan-structuring and financing solutions, presenting viable options to borrowers.
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Assessed underwriting program effectiveness and recommended improvements.
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Completed 6 FHA test cases towards certification.
Previous Experience
1996 - 2000
Account Executive & Sr. Underwriter at Bear Stearns Residential
Skills & Expertise
Analytical Skills, Certified HUD Inspector, Credit Analysis, Credit Risk, Encompass, Empower, Loan Origination, Microsoft Word, Mortgage Banking, Portfolio Management, QM and Non-QM Underwriting, Jumbo and Conventional Underwriting.
Training
California Licensed Real Estate Broker
Certified HUD Inspector
Fundamentals of FHA Underwriting/Ellie Mae
Certified in Mortgage Regulatory Compliance (NAMU®-CMRC)
DU & LP Workshop - "Everything from A to Z"