I have 35 years of experience, and specialize in the field of mortgage lending with specific knowledge in the areas of underwriting, compliance and quality control. I have testified on legal regulatory compliance, underwriting and mortgage delinquency. I have successfully developed a residential underwriting department, from scratch, while simultaneously underwriting and funding enormous loan volumes, under intense pressure, meeting all commitment and investor delivery deadlines, in the process of hiring staff, designing documents, systems, procedures and training.