Customer Service Sales

DANNY R.CAREY

**** ********* *** #***

Highlands Ranch, CO 80129

Home: 720-***-****

********@*****.***

Career Objective

Looking for a challenging position of the M ortgage Loan Processor

in a reputed organization with a view to use my wide experience.

Skills Summary

3+ years of post-closing audit/investigations experience

Loan investigation and analysis skills to discern fraud or

misrepresentation

Knowledge of mortgage loan origination process and systems,

servicing records, default management and REO systems and

process, including estimated and actual loss calculations

Demonstrated excellent interpersonal and leadership qualities; people

focused

Detailed working knowledge and understanding of FSA regulation

(MCOB, ICOBS and T&C)

Sound awareness of Data Protection and Money Laundering

regulations

Experienced in mortgage sales processes, procedures and good

practice

Effective in verbal and written communication

Well developed organizational and analytical skills; focused on

meeting business objectives

Expertise in identifying and mitigating compliance and

business/operational risks

16 years experience in the Mortgage industry

10 years underwriting experience (Conventional, FHA and VA)

10 years processing experience

2 years closing experience

10 years DU and LP experience

20 years Customer Service skills on inbound and outbound calls

12 years Supervisor and Management Skills

Software knowledge with Calyx, AS400, LP, DU, Iportal, Fraud

guard, CASH, Doc View, MS Outlook, Encompass, Citrics, IDesk

and Comfortable with all mortgage software.

EXPERIENCE

08/23/2010- 01/18/2011

Peyton Resource Group/USAA

Conventional Processor

Colorado Springs, CO

Perform technical functions related to the preparation of all loan files.

Working closely with outside sources, gathers the necessary credit

and property information.

Evaluate the data collected and present the requirements needed in

order to obtain underwriting approval.

Maintaining pipeline accumulate, reviews and analyzes documents

throughout the loan submission.

Follows-up with outside sources on any missing or questionable

documentation and communicates loan status to involved parties.

Submit 65% of all loans for approval in 15 days or less.

Assists closer with any post closing or conditions issues.

Maintain excellent customer services standards with both internal

and external customers.

Continuing education on HMDA, ECOA, RESPA, TILA, FACTA,

FCRA and FHA.

06/04/2010- 08/06/2010

Clayton Staffing Solutions

Conventional Underwriter

Denver CO

Understanding of underwriting policies and procedures including

knowledge of FNMA and FMLMC guidelines and standards.This

includes reviewing loan files for completeness and accuracy,

analyzing credit documents, including, but not limited to, mortgage

applications, credit history and income documents, title documents,

appraisals and all applicable compliance documents.

Evaluate debt ratio, loan-to-value ratios, credit score, property

valuation and various other factors.

Determining and documenting loan conditions and communicating

requirements or decisions.

Adhere to all client/lender policies and procedures, in addition to

Federal, State, and/or municipal laws and regulations.

Identifying portfolio risks resulting from the client's underlying

business practices, underwriting, and/or fraud exposure.

Actively support the decisions and knowledge of supervisors and

colleagues by sharing information about the department, business

unit, organization and the underwriting industry.

Taking an active role in identifying potential challenges within the

underwriting process and/or department and makes

recommendations for changes to improve.

Maintain knowledge of all applicable underwriting guidelines by

completing all underwriter training programs, learning any business

unit policy and/or guidelines.

02/17/2009- 05/21/2010

Bank of America

Processor and Underwriter

Denver CO

Responsible for underwriting and processing financial statements,

applicable ratios, credit reports, appraisal review, examining and

evaluating transitions to certain accuracy, fraud detection

techniques, report preparation, re-negotiation of loans, compliance

review administration, providing performance feedback to

management on weekly basis

Communicating with customers and MLO, provide training and

guidelines to junior staff.

Strong customer service skills.

Complete understanding of process flow with three day file touch

rule.

Knowledge in FNMA/FMLMC Conventional, FHA and VA home

loans.

Underwriting and conditioning loans to meet FNMA and FMLMC

guidelines.

Full Reg X training and New GFE standards.

Continuing education HMDA, ECOA, RESPA, TILA, FACTA, FCRA

and FHA.

09/2008 to 03/01/2009

National Marketing and Sales, LLC

Aurora, CO 80013

Regional Sales Manager

Building of company with new hires, employee package development,

employee handbook development and implementing company

contracts with employees.

Conducting of Sales Support calls on a daily basis to introduce new

marketing ideas to the sales staff.

Overseeing a staff of 20 employees to insure compliance in the lending

market.

Training of company computer software and product knowledge to

employees.

Joining management calls with the company on a daily basis to share

ideas on company improvement and increasing revenue.

Answer to day to day business operations.

Problem solving and action to resolve issues.

Termination of employees.

Monthly employee evaluations on performance.

Complete understanding and training to loan officers, processors and

underwriting company standards and guidelines.

09/2000 to 04/2008

Carey Mortgage

5120 Sand wood Drive, Indianapolis, IN 46235/ 4585 High Springs Rd.

Castle Rock CO 80104/ 17900 E Girard Dr #1123 Aurora CO 80013/ 94

S Circle Drive, Bailey CO 80421/

Mortgage Wholesale Broker

Supervised and trained staff members.

Overseeing production and office management.

Complete understanding of day to day business operations.

Supervised and trained staff members.

Working with clients to collect required documentation to properly

select loan product and fill conditions to close.

Full knowledge of FHA,VA, Conventional and Non conforming

Products.

Complete underwriting and processing of files gathering required

documents for lender approval.

Expert knowledge of running DU/LP and AUS.

Excellent customer service skills while working with clients to assure

comfort in loan process.

Full understanding of lender rate sheets and pricing.

Works well with Calyx, Encompass, Office Excel, and most Internet

based programs.

10/1998 to 01/2000

Charter West Mortgage LLC

Bailey, CO/ Golden CO

Net Branch Manager

Specialized in loan portfolios.

Accountable for seven person operation consisting of loan origination,

underwriting, customer service and processing.

Specialized in pre qualifying and placing mortgage loans with

conforming, nonconforming, conventional, and non-conventional

lenders.

Maintained a 93% application/to/close ratio

Streamlined the application, due-diligence and approval process

enabling us to close loans in five days of application.

Working aggressively with LP/DU, Encompass, Point, Genesis, XP,

2000, 95, and 98 windows.

Advertising and marketing.

Understanding and analyzing of tri-merge credit reports, appraisals,

and financial for self-employed and salaried borrower.

1/1996 to 10/1998

D&L Funding LLC

Englewood, CO Loan Officer / Producer

Origination of sub-prime loans.

Evaluation of credit reports.

Completion of loan applications, processing, and remittance to

lenders.

Open communication with clients throughout loan process.

Answering questions, and presentation of closings.

EDUCATION

1986 U.S. Military Certification, Honorable Discharge

First Infantry Division, Communication Specialist

1983 Winnetonka High School

References given upon request.

Contact this candidate