RESUME

I.		Current Employer:	

Opteum Financial Services
Paramus, NJ	Start Date: September 22, 2003 - PRESENT

Position:	Credit Exception Manager

Duties:		Opteum offers several loan programs to fit most any borrowers’ needs. 
A variance to these guides are needed in order for a particular borrower to fit
into one of these offered program guidelines.   This is called an exception;
which the branch will complete an Exception Request which is sent to me and I
review the “reasonableness” of the request, and if need be, send to one of our
Investors (Bear Stearns, Countrywide, CitiMtg, etc.) for review.  I report to the
Chief Credit Officer, and also submit reports that reflects % of each approved
exception granted for each branch, weighed against the # of loans closed for that
particular month.  I also review changes in Investor guidelines, to assure
Opteum’s guides are parallel with our Investor guides.

Prior to receiving this promotion, this was the position I held before the above
(Credit Exception Manager I was promoted to on 10/04):

Position:	Quality Assurance Underwriter

Duties:		Audit selected files from QC Manager (selection consists of 10% of
monthly closed loans; portions are random selections, remaining are selected for
new underwriters, new loan officers, etc.).  QC Underwriter will audit file for
basis of underwriter credit decision, re-review credit history of borrower(s),
locate any findings that may have been missed by underwriter.  Also reviews file
for any “red flags” that may alter borrower(s) ability for re-payment, or
possible fraudulent actions of employees/borrowers.

Findings are inputted on “SecondLook” software, where QC Manager will download
report to Underwriting Supervisors.  Underwriters are expected to comment on
these findings; reason for error, or to comment on credit decision if QC differs
opinion of said decision.



II.		Previous Employer:
 
Greenpoint Mortgage Company
Fairfield, NJ	Start date: January 13, 2003
End Date: September 21, 2003 

Position:	Senior Mortgage Underwriter III

Duties:		Underwrite in compliance with FNMA/FHLMC guidelines, and Greenpoint
Mortgage has numerous programs/terms to underwrite under.  Some loans require
desktop underwriting approval through LP/DU.  Also, reviewed conditions the file
required in order to issue approval.  Responsibilities included review of
appraisal report, review of income and credit report to assure borrower meets
criteria for loan requested.  Also was responsible for contacting broker (in
Wholesale division) to advise of underwriting decision.  Ideal customer service
is important to Greenpoint and it’s employees.  Underwriters were also
responsible for managing Broker Service Reps (Processors) for pipeline
management- about 6 employees. 

Reason for leaving Greenpoint:  I received a call from a headhunter regarding a
position for Quality Control, which I had been wishing to get into the “back end”
of the mortgage business for some time.

II.		Previous Employer:	

Columbia Bank	
Start date:	June 20, 1994
End Date:	January 10, 2003

Position:	Mortgage Underwriter

Duties:		Underwrite Conventional Mortgage loans in compliance with FNMA/
FHLMC guidelines.  Review consisted of credit, employment, deposits/assets, and
accuracy of appraisal report.  Housing and debt service ratios were calculated,
and it was my responsibility to give each loan a code that will determine it’s
eligibility with FNMA/FHLMC.  This is a great responsibility- if loan goes in
default due to an underwriter’s negligence in determining eligibility, that is
cause for a “red mark” on personnel file.  I was also in charge of reviewing any
updates from FHLMC/FNMA from the Allregs software, and advise Management of any
changes via Email.

I was relied upon by my superiors to manage the processing staff (about 4
employees)  in meeting their loans in process deadlines- and followed up on files
that were underwritten, but given back to processors for necessary follow up.  
This responsibility I had practiced approximately 4 years.

This company was in the process of going live with computer system that is
compatible to LP & DU.  I was involved with the testing of this system to assure
that all different types of loans (ie: primary residence, investment properties,
etc.) were working properly.

Additional responsibilities:
		
A daily pricing report was pulled from FHLMC’s Midanet system (used to determine
rate changes) and I had sent to Upper Management.  Once the rate changes were
determined, I also adjusted interest rate sheet and Email to appropriate
recipients. 

I  had the title of Mortgage Underwriter since 4/96.  Prior to this position, I
had the title of Quality Control Analyst.  The responsibilities for this position
were to audit files for entire process of obtaining a mortgage (Origination,
Processing, Underwriting and finally Closing).


Cont’d:
III.		Previous Employer
	
Empire Federal Mortgage Corporation	
Start date:	February 1992
		End date:	May 1994

Title:		Mortgage Pre-Underwriter
Duties:	Reviewed all new loans for required documentation (also to be in
compliance with FNMA/FHLMC), and I would contact borrowers to advise of any
necessary additional information.
	Servicing rights were transferred at time of closing to an outside Mortgage
Company/Bank.
	I also conducted seminars for new loan officers and processors for training
purposes.
This company went out of business June 1994.

IV.	Previous Employer

Crestmont Federal Savings	
Start date:	August 1987
		End date:	March 1992

Title:	Mortgage Closing Processor

Duties:	Reviewed Closing Title Work and advised Closing Attorney of any
additional documentation, and contacted borrowers to advise of any conditions
needed to satisfy from their Mortgage Commitment.  Prepared closing
documents/figures and sent to Attorneys office.