Laura Horacek

Email: abo9ve@r.postjobfree.com

Address: **** ********* **** ***** *

City: Fort Wayne

State: IN

Zip: 46814

Country: USA

Phone: 260-***-****

Skill Level: Management

Salary Range: $52,000

Primary Skills/Experience:

See Resume

Educational Background:

See Resume

Job History / Details:

Laura A. Horacek

11605 Winters Road 260-***-****

Roanoke, Indiana 46783 abo9ve@r.postjobfree.com

Mortgage Underwriter

* Proven performer with entrepreneurial leadership and 12+ years` experience reviewing, examining and evaluating mortgage loan documents to determine if buyer, property, and loan meet governing agency standards.

* Experience with and knowledge of underwriting requirements of VA, FHA, FNMA, FHLMC and private mortgage insurance companies and familiarity with LP and DU underwriting.

* Extensive customer service and general management skills coupled with outstanding presentation and communication skills with proven analytical and decision-making abilities in the following areas:

* Risk & Fraud Identification * Debt Ratios * Loan-to-Value ratios

* Credit Score * Property Valuation * Loan Structuring Solutions

* Relationship Management * Title Policies * Final Courses-of-Action

Professional Experience

2004 - Present Metro Mortgage & Insurance Solutions (www.gotometro.com) - Fort Wayne, Indiana

State licensed loan brokerage and insurance agency specializing in customized real estate financing and home, auto, life & health insurance for families and individuals

Principal Manager (Licensed Mortgage Broker & Licensed Insurance Agent) / Owner

* Originates VA, FHA, conventional and non-conforming mortgage loans ensuring compliance with governing agencies guidelines.

* Offers network of banking expertise in refinancing and in buying and selling residential, second homes, commercial properties, and investment properties.

* Manages relationships with numerous competitive insurance companies for home, auto, business, life & health insurance needs.

* Hires and trains staff in aspects of brokerage business including marketing, originating, processing, and accounting.

* Earned reputation as northeast Indiana`s best expert in lending.

2002 - 2004 RWG Mortgage Company - Fort Wayne, Indiana

Mortgage Loan Originator

* Originated conventional and FHA mortgage loans similar to above.

* Assisted with training of new mortgage originators.

Highlights of Accomplishments:

* Top mortgage originator since 2003.

* Developed a mortgage loan originator training program.

2000 - 2002 STAR Financial Bank - Fort Wayne, Indiana

VP, Stakeholder Administrator

* Administered and maintained program models which monitored performance improvement and compensation for corporation.

* Designed and implemented key performance indicators to determine improvement benchmark.

* Coached managers on strategic plans to accomplish the highest level of improvement and compensation.

* Audited performance program models each month to ensure accurate reporting of progress.

Highlights of Accomplishments:

* Uncovered mathematical errors in program that saved company from overpaying bonuses by 25% in most models and 75% in other models.

* Implemented security program to help ensure safety for employees and customers.

Laura A. Horacek 2

1999 - 2000 Coldwell Banker Roth Wehrly Graber - Fort Wayne, Indians

Realtor

* Secured saleable exclusive listings and follow-up to establish customer credibility and rapport essential to retaining clients in a competitive market place.

* Negotiated sale price, date of possession, and secured most appropriate lender for buyer.

* Dealt with real estate attorneys, title companies, surveyors, appraisers, and inspectors to assist in the consummation of sale.

1992 - 1999 Norwest Audit Service - Fort Wayne, Indiana

Regional Security Representative

* Implemented and maintained physical security, investigation and risk assessment program for 78 banking locations in Indiana and Ohio.

* Assured employee instruction in the prevention and detection issues of bank robbery, burglary, counterfeiting, embezzlement, fraud and theft, and theft of securities.

* Conducted thorough and confidential investigations in employee embezzlements and misapplication of bank funds or assets.

1982 - 1992 Lincoln National Bank - Fort Wayne, Indiana

Security Administrator (1989 - 1992)

* Designed and implemented bank`s first security program.

Staff Auditor (1988 - 1989)

* Performed assigned audits and evaluated areas of risk for inclusion to audit program.

Supervisor (1984 - 1988)

* Supervised bankcard collections operations.

Mortgage Warehousing (1982 - 1984)

* Audited and pooled mortgage loans to be sold on the secondary market.

Other Entrepreneurial Experience

2006 - Present Tumble X, Inc. / dba TX Training Center (www.TXTrainingCenter.com) - Fort Wayne, Indiana

Health Coach / Owner of Start-Up Company

* Instructs membership in the practice of holistic approach to health and wellness.

Professional Development

State of Indiana Licensed Principal Manager, NMLS (SAFE Act) - License #125071

Licensed Indiana Insurance Agent - License #617247

Underwriter Boot Camp, 24 Hour Training, Mortgage Underwriter University

Certified Health Coach, Institute of Integrated Nutrition

References Available Upon Request

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