David Kowit

Solon, OH *****

216-***-****

acdx84@r.postjobfree.com

www.linkedin.com/pub/david-kowit/12/936/97a

SUMMARY

An Analytical Professional with significant capabilities and experience in productivity, quality and

customer service, coupled with extensive skills managing teams, coaching and developing new

talent. A creative thinker that can manage time wisely and has impeccable analytical skills.

Focused on teamwork and committed to excellence, with impact on bottom line results for a fast

paced, constantly changing environment.

SELECTED ACCOMPLISHMENTS

TEAM MANAGEMENT

Developed strong relationships with sales managers, loan officers and processors which aided their ability to

attract additional business.

Implemented monthly as well as annual employee evaluations, also held weekly staff meetings which resulted in

overall staff improvement, allowing the team to consistently achieve monthly incentive awards.

Elevated to Underwriting Manager after only 7 months of service (Wells Fargo).

Promoted to Team Leader after only 15 months of service (Countrywide).

Conducted weekly and monthly staff meetings to discuss improvement with productivity, accuracy, quality and

industry program changes which resulted with being ranked in the top 10% for all teams in the Northeast

Division.

Supervised day-to-day operations for a staff as large as 12 in a branch setting, assisting the needs of Loan

Officers as well as walk-in customers.

Proficient with managing from reports as well as highly skilled in time management with proven effective

techniques from time study results.

Received ‘Operations Manager Excellence’ award among 150 of my peers nationwide.

Managed and supervised team of 6 collection associates for a high-risk auto lender.

Consistently ranked in the top 5% of operations teams for metrics, including: closed -within-commitment period,

productivity, fewest deficiencies and critical quality errors.

TRAINING, COACHING

Trained and developed four underwriters to obtain their FHA Direct Endorsement for two different employers.

Highly effective in coaching time-management and multi-tasking skills which resulted in proven effective

techniques for increasing productivity, as a result of time studies performed.

Selected by senior level management to attend a summit to discuss how to improve upon the company’s new

billion-dollar operating system. A number of my ideas were implemented as improveme nts to the system.

Used telephone monitoring to coach and motivate collection team associates to improve monthly production

volume 15% per annum.

David Kowit page 2

DATA/CREDIT ANALYSIS, RISK REVIEW

Consistently achieved Site top performer incentive for productivity, quality and customer loyalty.

Effectively consulted with sales and sales support staff on timely decisions and was continuously recognized,

ultimately being awarded Underwriter-of-the-year..

Conducted research for fraud potential, risk analysis and advised sales partners concerning mitigation thereof.

Consistently the most productive underwriter site-wide, and was continuously awarded for production levels

and quality.

Obtained underwriting authority the most expedient of my peers, enabling me to contribute and increase

production much sooner than projected.

Underwrote and made decisions on 8-10 new construction purchase, interim finance purchase, refinance and

FHA streamline including initial and final decisions which contributed greatly to the company’s 25-day close

initiative resulting with improved customer loyalty.

Underwrote FHA and Conventional loans according to AUS decision as well as manual underwrite of FHA loans.

Advised sales partners with suggestions to work with declined customers to become creditworthy.

PROFESSIONAL EXPERIENCE

WELLS FARGO HOME MORTGAGE, Independence, OH

FHA/Conventional Underwriter 2012 - 2014

Underwriting Manager 2009 - 2011

BANK OF AMERICA, (fka COUNTRYWIDE), Mentor and Independence, OH

AVP, DE Underwriter 2011 - 2012

Branch Operations Manager 2002 - 2008

NOVASTAR HOME MORTGAGE, Independence, OH

Senior Loan Processor 2001 - 2002

GOOD FAITH MORTGAGE, Garfield Hts., OH

Loan Processor 1998 - 2001

NATIONAL AUTO CREDIT, Solon, OH

Collections Manager 1995 - 1998

EDUCATION, DESIGNATIONS

The Ohio State University, Columbus, OH

Bachelor of Science

Federal Housing Authority, Direct Endorsement Underwriter

CHUMS ID: FQ96

TECHNICAL SKILL PROFICIENCY

Microsoft Office: Word Excel PowerPoint Outlook Access SQL

Experience regulating and adhering to: ECOA, TILA, RESPA, GLBA, FACTA

Familiar with: OCC, CFPB and FDCPA regulations.

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