Manager Customer Service
Resume:
TERRY A. GASPARSKI
Macomb, MI 48044
E-Mail: *****@*********.***
PROFESSIONAL EXPERIENCE:
**/**/**** - **/**/2008, 40 Hours + per Week, Senior Residential Underwriter, Flagstar Bank, 5151
Corporate Dr., Troy, MI. 48098. Marni Scott 800-***-****. Evaluation of mortgage credit and
collateral risk ensuring sale and compliance for multiple loan programs to private investors and
government sponsored entities. Proficient and skilled in evaluating self-employed borrowers including
sole proprietorships, partnerships and corporations through review of federal tax returns and financial
statements. Skilled evaluator of portfolio risk effectively managing dispersion of credit and geographic
risk on a national basis. Effective negotiator and business developer through communication in a
persuasive, practical, understandable and concise manner forging strategic partnerships with customers.
Thorough quality control analyst utilizing Lexis-Nexus and Internet based tools.
04/15/2001 – 12/30/2007, 40 Hours + per Week, Senior Residential Underwriter/Team Lead,
Homecomings Financial GMAC/RFC, 7801 Metro Parkway, Suite 100, Minneapolis, MN. 55425. Allan
Watson 952-***-****. A trusted and influential Team Leader responsible for residential underwriters
and support personnel. Guides individual loan and lender portfolio risk through effective credit and
collateral risk tolerance definition. Lead individual defining and managing customer service satisfaction
and business development efforts. Senior team analyst evaluating complex self-employed borrower and
collateral analysis. Awarded Team Leader of Year 2006 for outstanding risk management and business
development efforts.
02/15/2000 – 02/25/2001, 40 Hours + per Week, Eastern Michigan Finance Manager, Rush Equipment
Centers of Michigan, 10100 N. Loop East Houston, TX 77029. Robin Rush 713-***-****. Finance
Manager participating in the heavy equipment sales division for six Michigan dealerships. Analysis of
credit worthiness and financial feasibility for repayment of contractors seeking the purchase or lease of
construction equipment. Broker of finance transactions through a myriad of financial institutions
nationally. Managed and developed a strategic business relationship with John Deere Credit.
Management of a profit center that arranged lease and retail contracts in the amount of $12.5 million
contributing $370000.00 in finance income on gross sales of $30 million.
06/15/1997 – 11/25/1999, 40 Hours + per Week, Vice President North Central Division Service Center
Manager, Radian Guaranty Insurance Corporation (fna Commonwealth Mortgage Assurance
Corporation), 1601 Market Street, Philadelphia, PA. 19103. Sue Kropp 215-***-****. Directed four
insurance service centers and twenty onsite contract locations in eight Midwest states. Managed
functions for staff of 53 employees. Directed the underwriting risk management function for hundreds
of diverse residential lenders establishing new primary and contract underwriting relationships.
Implemented service center operation initiatives contributing 60% of new insurance written to Central
region and 12% towards national new insurance written. Developed and managed a budget
representing managed costs of $1.1 million. Reduced expenses on a cost per application basis by a
minimum of 10% in two service centers. Implemented a risk management process by defining individual
lender underwriting execution criteria without escalating default or claims incidence.
Page 2: TERRY A. GASPARSKI
07/06/1984 – 02/15/1997, 40 Hours + per Week, Regional Underwriting Manager, MGIC (Mortgage
Guaranty Insurance Corporation), 250 E. Kilbourn Ave., Milwaukee, WI. 53202. John Wiseman (800)
558-9900. Directed a regional service center for lenders requiring financial guaranty of residential high
ratio mortgages. Managed the entire business function responsible for operations and risk management
for 25 employees and hundreds of diverse residential lenders. Restructured and developed a mortgage
insurance underwriting office which supported an insurance sales function and served as foundations
for unprecedented market share in the 60% range consistently for several years. Managed an insurance
business operation with a budget of $1.8 million that contributed to $2.0 billion of new insurance
written annually. Developed flexible underwriting criteria while managing default and claims incidence.
Provided leadership and training to individuals that are responsive and flexible to business needs.
EDUCATION:
B.S. Business Administration and Finance
Wayne State University
Detroit, Michigan
June, 1980.
PROFESSIONAL LICENSES:
State of Michigan Residential Builders License.
ADDITIONAL INFORMATION:
Senior Financial Analyst and Operations Management leader with broad financial management and
operations management experience. Visionary with strategic analytical skills. Practical, articulate, and
creative with proven ability to manage risk and develop business. Consistently obtains high
performance through leadership and cohesive team building. Uncommon planning, organization, and
conceptual abilities.
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