With over 30 years of experience in the mortgage lending business, I possess a deep understanding of the industry. Holding active Direct Endorsements for (DE) Chums and VA Credit Authority (SAR), I am well-versed in Desktop Underwriter, Loan Prospector, FHA Connection, and VA Portal. My ability to quickly grasp product guidelines and adapt to market changes is a testament to my competence in navigating and interpreting skills for FMNA, FHLMC, FHA, VA, and company guidelines. Working independently comes naturally to me, as I thrive in fast-paced production environments and excel at making independent decisions with strong problem-solving skills. Excellent time management and attention to detail are my strengths, allowing me to adapt effectively to change while maintaining effective communication in a professional manner. Furthermore, my experience in high production and fast-paced environments has honed my customer service skills, making me highly responsive to internal customers and team members' issues and concerns. Proficient in Encompass 360 and Microsoft Office products (Excel, Word, etc.), I am well-equipped to handle any task efficiently.