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Resume

Professional Experience

2023 - Present

Hamilton Families, San Francisco, CA
Real Estate Specialist
  • Market and outreach to Bay Area owners, landlord groups, and housing associations, presenting program details and cultivating landlord partnerships.

  • Collaborate with Hamilton Families case managers to support client housing placement and retention, including mediation and conflict resolution with families and landlords.

  • Conduct housing location services by acquiring and managing unit inventory for program participants, negotiating reduced rents, security deposits, holding fees, and unit reservations.

  • Ensure families are matched with suitable housing that meets their needs and addresses housing barriers in collaboration with Housing Services.

  • Facilitate the Intent to Rent to Keys process, liaising with landlords for seamless move-ins.

  • Provide comprehensive housing location services for external contracts, from intake to 90-day aftercare.

  • Coordinate Housing Quality Standards Inspections (HQS) per HUD standards, including documentation of lead-based paint acknowledgment and VAWA addendum.

  • Maintain knowledge of fair housing laws to educate landlords, review lease contracts, and uphold best practices.

  • Record, track, and share information on available housing units, maintaining the Salesforce database.

  • Serve as a problem-solving landlord liaison, ensuring quality control and preserving relationships with landlords and units for future participants.

  • Manage rehousing processes, including move-out inspections, lease terminations, and landlord relationship management.

  • 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

  • Underwrote conventional and Jumbo loans within SLA requirements while maintaining file quality and exceeding productivity goals.

  • Rendered credit decisions and cleared file conditions per client guidelines.

  • Ensured compliance with agency/client requirements by navigating multiple guideline sources.

  • Conducted complex financial analyses, including partnership and corporate returns.

  • Managed reworks, suspense, and denial notices.

  • Reviewed investor suspense loans and quality control audits.

2010 - 2018

Summit Funding Inc., Campbell, CA
Senior Underwriter

  • Underwrote conforming, jumbo, and non-QM loans per investor guidelines, ensuring soundness, business value, and compliance.

  • Evaluated debt coverage ratios, credit, property valuations, and other factors for loan viability.

  • Maintained sound underwriting practices and adhered to established mortgage loan guidelines.

  • Conducted timely reviews of submitted stipulations/conditions.

  • Ensured compliance with investor, secondary market, and internal lending policies.

  • Served as a delegated or direct-endorsement underwriter per investor, insurer, or guarantor requirements.

  • Performed other duties as assigned.

2019 - 2020

Fremont Bank, Remote
Senior Underwriter

  • 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.

  • Performed and reviewed DU/LP/Assetwise for soundness, business value, and investor compliance.

  • Analyzed and calculated personal and business income statements to support final loan decisions.

  • Followed up on appraisals and outstanding conditions, ensuring timely issuance of documents and funding.

  • Underwrote complex loans on portfolio, conforming, jumbo, wholesale, and retail products in-house.

  • Provided direction and training to lower-level team members and gave performance feedback to supervisors/managers.

  • Maintained the highest underwriting production level with no errors.

  • Communicated with loan officers and team members to gather information and explain credit decisions.

  • Recommended loan-structuring and financing solutions, presenting viable options to borrowers.

  • Assessed underwriting program effectiveness and recommended improvements.

  • 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"

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