Jennifer S. Croft 5635 Superior Dr, Lakeland, Florida 33805 Contact: (863) 5816599 jc126ae22@westpost.

net Goal: To secure a stable position with a corporate organization where I can bes t utilize my personal skill set to better my employer with the possibility of ad vancement. August 2008 to Present Digital Risk Director, Advisory Services * Develop the Scope of Work for new clients and amend as necessary throughout th e contract * Create mapping of the Reps & Warrants and deal docs, create system scripts, re ports and scope for new clients * Manage test cases for potential clients * Travel to client locations to build and maintain strong relationships * Manage the budget and capacity for the business unit to include a 50% Labor Ma rgin and Revenue booked for each month for a team of 100+, including the Senior Manager, 6 Managers, Leads, Underwriters, Processors and Data Capture Analysts * Prepare Quarterly Business Reviews to including trending reports, finding resu lts, delivery schedules, breach rates, etc * Prepare agendas for periodic client visits * Manage the team to client expectations, including manage delivery of batches a ccording to schedule outlined in the scope of work * Approve invoices for monthly units and all pass thru expenses delivered to the client * Respond to communications from client on a daily basis * Schedule and manage weekly Open Communication Report meetings with each client * Identify up sell opportunities with existing clients * Monitor performance, productivity and quality for teams of 100+ * Prepare and deliver Performance Improvement Plans for non-performing employees , prepare annual/performance reviews to include increase in pay and execute term inations when deemed necessary * Mentor/motivate/coach Senior managers, managers, leads, underwriters, processo rs and data capture analysts to be back-up and provide defined career path for e mployees * Work closely with the inventory group to monitor file flow and ensure files ar e moving through the loan statuses in order to meet timely review and delivery r equirements * Track deliveries and reconcile assets received and transmitted * Deliver Missing Document Reports to the client/trustee on a scheduled delivery Oct 2006 - to August 2008 Clayton/PCI Services Due Diligence Lead Quality Control Underwriter * Audit loan pools between the seller and investor * Deliver recommendations based on credit, title and compliance analysis, apprai sal quality, income, assets and DTI analysis, LTV, guidelines and compensating f actors * Responsible for reviewing loans completed by underwriters to ensure all guidel ines, compliance modules, credit and income analysis, appraisal quality and lega l docs are correct * Train new underwriters and guide less experienced underwriters through the pro cess. * Client relationships, manages the team in the Lead's absence, team building * Review defaulted mortgage loans to determine if guidelines, reps/warrants were violated or if mortgage fraud was present, prepare "put back" letters and all s upporting documentation for the client. Review collection comments and payment histories to determine if possible work out or short sale opportunities were ava ilable to the borrower prior to foreclosure Feb 2005- Oct 2006 Centric Mortgage Mortgage Underwriter Manager * Managed a team of 3 other underwriters and 3 processors

* Underwrote loans for sale to 10 different lenders including, Alt A, Convention al and Subprime loans, including products such as MTA, Option Arms, Purchase, Ra te/Term and Cash Out refinance, Construction to Perm, Closed End and HELOC secon d liens * Unlimited individual signing authority * Second signature signing for all other underwriters * Ensure all compliance, product guidelines met prior to clearing the loan for c losing * Approved and denied loans based on the analysis of income, assets, credit repo rts, appraisals, title and applications, considered the DTI, LTV and layered ris k of each loan * Customer service, team building, broker relationships Jun 2000- Feb 2005 Home Venture Mortgage Senior Loan Processor/Mortgage Broker/Office Manager * Processed loans for 3-5 loan officers * Trained a team of 3 other processors * Analyzed credit reports, appraisals and applications to ensure proper lender p lacement, obtained automated and lender approvals, gathered loan docs, worked wi th underwriters for solutions to any issues, obtained rate locks and closed loan s Aug 1998- Jun 2000 Regal Mobile Homes Finance Manager/Office Manager * Responsible for analyzing the credit report and application to place the loan with the proper lender for approval * Coordinating the delivery and set up of the mobile home, closing and funding c hattel and land/home loan packages * Customer service, team building 1993 - Aug 1998 Barnett Bank/SunTrust Bank Sales and Service Manager * Responsible for the day to day operations of the branch including; teller func tions, new accounts, consumer and home equity loans, sales presentations, employ ee performance evaluations, fraud prevention, customer service, team building * Managed a team of 8-12 Proficient in Microsoft Excel, Microsoft Word, Power Point References Available on Request Thank You