Professional Summary
Mortgage and credit professional with extensive experience spanning loan origination, underwriting, and residential valuation. Deep expertise in Conventional, FHA, VA, and USDA lending with a strong foundation in credit analysis, income evaluation, and guideline compliance. Known for accuracy, client communication, and the ability to structure sound, approvable loans.
Current Roles
Mortgage Loan Officer
NEXA Lending
(July 2026 - Present)
• Guide borrowers through the application and approval process.
• Analyze borrower financial profiles to structure suitable loan solutions.
• Educate clients on products, guidelines, and qualification strategies.
• Coordinate with underwriting and processing for efficient closings.
• Deliver high-trust, relationship-focused client experience.
Bartender
Redrock Bar and Grill
(January 2025 - Present)
• Provide exceptional customer service in a fast-paced environment.
• Maintain strong interpersonal communication and relationship skills.
• Manage high-volume interactions with professionalism and eƯiciency.
Prior Experience
Mortgage Loan Officer
Service First FCU
(January 2026 - May 2026)
• Guide borrowers through the application and approval process.
• Analyze borrower financial profiles to structure suitable loan solutions.
• Educate clients on products, guidelines, and qualification strategies.
• Coordinate with underwriting and processing for efficient closings.
• Deliver high-trust, relationship-focused client experience.
Senior Underwriter
Heritage Bank, N.A.
(October 2021 - March 2025)
• Underwrote Conventional, FHA, VA, and USDA loans.
• Performed detailed credit, income, and asset analysis.
• Ensured adherence to agency and investor guidelines.
• Partnered with loan officers to structure viable approvals.
• Maintained quality and turn-time performance standards.
Senior Underwriting Team Lead
HomePoint Financial Services
(October 2020 - October 2021)
• Supported underwriting staff with complex loan scenarios.
• Assisted with guideline interpretation and decision consistency.
• Promoted accuracy, efficiency, and compliance.
State Licensed Residential Appraiser
Self-Employed
(June 2019 - March 2021)
• Completed residential property valuations and market analysis.
• Prepared compliant appraisal reports.
• Conducted comparable and collateral research.
Mortgage Underwriter & Processing Supervisor
Levo FCU
(February 2013 - June 2019)
• Underwrote Conventional, FHA, VA, and USDA loans.
• Supervised mortgage processing functions and workflow.
• Reviewed borrower documentation and regulatory compliance.
• Supported loan quality and operational efficiency.
Core Competencies
• Mortgage Loan Origination
• Conventional / FHA / VA / USDA Lending
• Credit & Income Analysis
• Loan Structuring & Pre-Qualification
• Agency & Investor Guidelines
• Client Education & Communication
• Loan Conditions & Decisioning
• Regulatory & Compliance Awareness
Systems & Industry Tools
• Encompass, Arrive, Lending Pad, Optimal Blue
• Desktop Underwriter (DU) / Loan Product Advisor (LP)
• FHA TOTAL Scorecard / VA Guidelines / SAR Authority
• Selling Guides / AllRegs
• Income Calculations / Calculators