Gregory Harrington

**** ********* ****. ~ Cedar Park, TX 78613 ~ 607-***-**** ~

acgj5w@r.postjobfree.com

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Home Equity Supervisor

[pic]Summary of Qualifications

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. Accomplished supervisor with more than two years of proven success

managing a Home Equity Department.

. Promoted to positions of greater responsibility during a nearly 20-year

career at a leading credit union.

. More than 10 years of experience working in a Home Equity Department,

including seven years as an Underwriter.

. Grown portfolio 56 percent, from $129 million to over $200 million in

2013; closed nearly 700 home equity loans in 2014.

. Proficient with Microsoft Office Suite; Symitar; and Meridian Link's

Opening Act and Mortgage Computer.

. Knowledge of First American and American Flood Research that provide

title, flood certification and appraisal services.

. Solid understanding of Consumer Financial Protection Bureau (CFPB) and

other regulations for home equity lending.

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Professional Experience

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Corning Federal Credit Union - Corning, NY

1995-Present

Supervisor/Coordinator, Home Equity Department (2012-Present)

. Reporting to the Vice President of Lending, lead four employees

responsible for closing home equity loans.

. Work closely with the Vice President of Lending on a daily basis to

accomplish objectives.

. Analyze and monitor applications for home equity loans and lines of

credit.

. Monitor risks associated with providing home equity line of credit to

individual applicants.

. Scrutinize applicant financial statements and information, including debt-

to-income ratio from their tax returns.

. Work with Loan Committee to review home equity loans for pre-approval.

. Assess home equity files to ensure compliance with Federal regulations

and internal credit union lending policies.

. Conduct formal reviews of employee performance twice per year, including

identifying areas for improvement.

. Educate team members about new Federal regulations to mortgage/home

equity lines impacting daily operations.

Accomplishments:

. Led team members to close nearly 700 home equity loans in 2014.

. Grown portfolio 56 percent, from $129 million to more than $200 million

in 2013.

. Closed the most home equity loans in the history of the credit union in

2012 (1,267), including 178 in a single month.

. Boosted volume 25 percent after recommending and implementing a new home

equity product at prime.

. Saved $75,000 annually by hiring a company that provides automatic

appraisals of properties in a quicker fashion.

Underwriter, Home Equity Department (2003-2010)

. Analyzed applications for a home equity loan or line of credit by

determining potential risk to the credit union.

. Reviewed and wrote up to 15 home equity loans per day, collaborating

daily with up to five different personnel.

. Communicated effectively with key personnel in person, over the telephone

and via email.

. Played a key role creating home equity lending guidelines and procedure

manual.

. Verified applicant income in compliance with Federal regulations and

internal credit union lending policies.

. Reviewed appraisal and title, and also determine flood policies.

. Maintained off-line procedures and forms related to disaster recovery.

. Helped the Consumer Loan Supervisor with appropriately planning and

staffing the department.

Accomplishments:

. Honored with "Service Leadership Award" in 2007 for consistently

exceeding job performance goals.

Mortgage Originator (2001-2003)

Consumer Loan Officer (1999-2001)

Member Service Representative (1997-1999)

Monthly Accountant (1995-1997)

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Education

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BS, Accounting/Law and Finance/Economics (double major), Clarkson

University - Potsdam, NY

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