Manager Years Experience
Resume:
Lawrence Allen
Email: abqoxv@r.postjobfree.com
Address: **** **** ****** *****
City: Phoenix
State: AZ
Zip: 85022
Country: USA
Phone: 602-***-****
Skill Level: Management
Salary Range: $70,000
Primary Skills/Experience:
See Resume
Educational Background:
See Resume
Job History / Details:
LAWRENCE W. ALLEN
1234 East Friess Drive
Phoenix, AZ 85022
Cell: 602-***-****
E-mail: abqoxv@r.postjobfree.com
SUMMARY OF QUALIFICATIONS:
Results oriented mortgage underwriter, with over 12 years experience with proven quality results. Experienced in both Retail and Wholesale Underwriting. Experienced in underwriting for home purchases, refinance and home equity loans, originating Conventional, Jumbo, FHA, and VA loans, new Harp 2.0 loans for both Fannie and Freddie Mac. Have been involved with loan origination and underwriting in every state in the continental United States. I have over 20 years mortgage experience working both front end and back end of the loan process, as well as in collections and loss mitigations. Have worked as a loan officer, underwriter, and processor with both large and small organizations. Experienced in loan origination for home purchases, refinance and home equity loans, originating Conventional, Jumbo, FHA, and VA loans. I have work experience in a high volume environment. An aggressive problem solver and decision-maker with the ability to set realistic priorities and initiate a viable course of action to obtain objectives, able to think out of the box. Excellent communication skills both verbally and written.
AREAS OF STRENGH:
* Experienced underwriter, processor, and closers having worked over 12 years underwriting residential loans both prime and sub-prime loans. Lending authority up to $1,000,000.
* Have the ability and history of reviewing and approving loan documentation of income verification, tax records, profit and loss statements, reviewing credit reports, appraisals, title work, and closing documentation.
* Have originated both sub-prime and prime loans running my own mortgage company completing first mortgage loans including Conventional, Jumbo, FHA, and VA loans. Also originated loans in the secondary market as well as home equity loans.
* Experienced in loan origination, loan process, working and communicating with title and appraisal companies. Closing functions and title companies. Have worked in collections and loss mitigation.
* Have experience in both the front end and processing loans, as well as collections and loss mitigation.
* I can communicate and work with diverse groups of individuals both face to face as well through phone and inter-net communication.
* Excellent people skills, with the ability to get the best out of people. I have an immediate past history of hiring, training, and motivating people.
* Have worked in a high stress positions with goals to be met both daily and monthly
PROFESSIONAL EXPERIENCE
*New York Community Bank Sep 2012 to Present
Underwriting Manager, West Coast Operations
Opened up a new branch office for NYC Bank in Scottsdale, AZ. With 15 underwriters doing wholesale underwriting for the banks customers (Other banks, Savings and Loans, Mortgage Companies, other smaller banks, etc). Reviewing and approving loans for US market.
*Wells Fargo Bank, Tempe, AZ Jan 2009 to Sep 2012
Senior Mortgage underwriter.
Presently underwriting the new HARP 2.0 loans both Fannie and Freddie Mac. Have in the past worked in several different underwriting dept for the company doing conventional, FHA and VA loans, both purchase and refinance. Worked on a Pilot program to decrease the turn times on loan origination to close. Working directly with loan officers, underwriters, processors and closers. Able to reduce turn time by an average of 5 days to close.
* J P Morgan Chase Bank, Phoenix, AZ July 2005 to Jan 2009
Supervisor Home Equity Underwriters
Working with a team of loan specialist working in and inbound call center
Funding home equity type loans. My duties include supervising a team approving and underwriting loans up to $500,000.
*Home Owners Loan Corporation, Phoenix, AZ Mar 2003 to Jul 2005
Supervisor Underwriting
Working in a call center originating, processing and underwriting sub-prime loans, 125 employees, doing both first and second mortgages in the Western United States. Responsibilities include the underwriting and processing of first and second mortgage loans. Lending authority up to $1,000,000.
*Management Recruiters International, Mar 2000 to Mar 2003
Executive Recruiter, Specializing in Call Centers
Executive recruiter specializing in call centers, filling position in USA, Canada, India and offshore markets. Filling position of site directors up through all of the "C" positions. Specializing in the financial and mortgage industry.
*Countrywide Mortgage, Dallas, Texas 1998 to 2000
Call Center Operations
Directly responsible for the hiring, training, development and managing a staff of Loan Officers, underwriters, and processors, working in a telemarketing environment doing sub-prime lending.
*First Plus Financial, Dallas, Texas 1996 to 1998
Call Center Manager
Running an office of 8 team leaders and 100 mortgage call center loan officers, and 2 team leads of 10 processors. This division mainly worked with loans for the debt consolidation and home improvement doing 125% LTV loans. Was responsible for loan origination, Underwriting, loan processing, and closing.
EDUCATION AND MILITARY
University of Missouri at Kansas City
Bachelor Degree in Business Ad, Majoring in Marketing and Retail
United States Army - Honorable Discharge.
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