Credit Risk & Compliance Professional | Strategy & Operations
Credit risk and compliance professional with 10+ years in mortgage underwriting and regulatory analysis. MBA in Corporate Finance & Information Systems, now pivoting into Strategy & Operations and Corporate Development in tech..
Credit and compliance Analyst • 5/2025 - Present
• Conducted pre-close and post-close credit and compliance underwriting reviews across Conventional, Jumbo, and specialty loan programs for wholesale and retail divisions.
Senior FHA Underwriter Analyst – Credit & Compliance / Business Line Risk Testing • 2/2022 - 5/2025
• Mortgage Acquisition Risk Review – Conducted due diligence reviews of bulk mortgage loan purchases, analyzing credit risk, regulatory compliance, documentation accuracy, and underwriting quality to protect bank assets and reduce acquisition risk.
• Advised Risk and Compliance leadership on First Line control design, including policy and procedure development, consumer complaint trend analysis, and implementation of preventive and detective controls.
Senior FHA DE Underwriter & Compliance / FHA Product Expert • 10/2021 -2/2022
• Pre and post close Underwrite for FHA, Conventional, Jumbo, and Manufactured Home loans to investor and agency guidelines across pre-close and post-close review cycles.
Senior FHA/VA DE Final sign off Underwriter • 8/2014 - 10/2021
• Pre and post close Underwrite and compliance review of FHA mortgage loan applications by analyzing credit, income, assets, employment, and collateral to ensure compliance with agency guidelines. Maintained a high-volume workload with exceptional accuracy while mentoring junior underwriters and providing final credit and collateral approvals.
Led the development, maintenance, and governance of FHA mortgage lending guidelines for enterprise-wide use across the bank. Served as the subject matter expert responsible for translating HUD requirements into internal policies, procedures, and underwriting standards to ensure consistent FHA loan decisions, regulatory compliance, and operational efficiency.
Led process improvement initiatives to streamline credit and compliance review workflows by analyzing existing procedures, identifying operational inefficiencies, and implementing standardized processes to improve review accuracy, turnaround times, and risk management.