GEORGE MARCUS MCIVER 919-***-****

**** ******** ***** ********* *******, NC 27616 ac2xqv@r.postjobfree.com

PROFILE

Versatile and results-driven SME with exemplary qualifications and experience to direct and support day-to-day business operations, lead cross functional departments and teams, plan and execute strategic business initiatives, projects and programs. Ability to confidently lead customers to the best outcomes utilizing consultative techniques and capabilities. Eager to contribute diverse talents towards collaborating with growth-oriented organization to deliver business improvements and achieve aggressive and targeted business and financial goals. Several years experience with foreclosure state requirements. Utilize exceptional interpersonal, communication, problem-solving, critical thinking and customer service skills to establish rapport and productive working relationships with peers, staff and external customers.

PROFESSIONAL WORK EXPERIENCE

HCL/USAA, Cary, NC

Financial Analyst February 2017-Present

Mortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality. Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close.

. Expertise in Conventional & Fannie Mae Loans

. Award Certification in a secure room environment

. Maintained signing authority up to $675k

. Reviewed credit reports to determine approval eligibility.

. Determined qualifying income by analyzing tax returns of Sole Proprietorships, LLC's and S- Corps

Effective organizational, multi tasking, and prioritizing skills

Strong analytical skills with high attention to detail and accuracy

Excellent verbal, written, and interpersonal communication skills

Ability to work effectively in a team environment and across all organizational levels; where flexibility, collaboration, and adaptability are important

Ability to work in a fast-paced deadline driven environment

Analyzed pay stubs and W-2's for authenticity.

Calculated debt to income ratios from financial statements, determining eligibility for loan.

Evaluated overall loan documents for accuracy, completeness and compliance, ensuring loan was marketable.

Document the file according to the applicable underwriting requirements

Communicate on an ongoing basis with the mortgage loan applicant and the Mortgage Banker the status of all files

WELLS FARGO, Raleigh, NC November 2010- November 2015

Conventional Underwriter

Evaluated applications for loans and made decisions regarding the approval of an applicant. Spoke with

loan applicants to discuss personal and financial information material to the decision-making process, assisted applicants by explaining the various types of loans and their repayment terms, analyzed the financial portfolio of a loan applicant to make a final decision on the mortgage loan.

Prepared and presented computer audit trainings for all new hires, while demonstrating the ability to examine and evaluate all documentation to ensure proper decision making bases on analysis.

Provided department staff with performance feedback, staffing, conducting disciplinary actions, ensuring employee communications, monitoring product, and is responsible for the team overall performance.

Maintained signing authority up to $750k

Responsible for auditing underwriter decisions of approval or declines for the HAMP modification program.

On average underwrote 3-4 loans per day

Experienced DU underwriter for FHA, Freddie Mac, and Fannie Mae loans.

Demonstrated the ability and proficiency in Microsoft applications and maintained databases.

Maintained the most updated training and procedures to enable the department to exceed local, state and government benchmarks in the recovery process.

Demonstrated the ability to write clear and detailed communications that convey concise and comprehensive information on matters of moderately complex nature and provide appropriate documentation to support conclusions.

Demonstrated ability and attitude to thrive in a fast paced, challenging, and evolving team-oriented environment, while enhancing the customer experience

Performed all aspects of residential mortgage lending from origination to closing and secondary markets.

Implemented new policy and procedures for program reviews to effectively select affordable arrangements for bank customers, reducing error rate by 85%

Worked with IT department to streamline departmental process to reduce error rate and increased accuracy rate from 88% to 95%.

Provided credit approval for requests within defined lending authority that meet the Bank’s underwriting standards and lending objectives.

WELLS FARGO/ACCOUNTEMPS, Raleigh, NC March 2009- November 2010

Home Professional Underwriter

Delivered, monitored and maintained high volume loans for consumers. Provided support in improving and restructuring the loan review process.

Reconciled and researched repayments of mortgage for high risk consumer loans customers, which resulted in saving the company $15,000 per loan.

Demonstrated knowledge of explanation for various financial statements and income documentation to approve mortgage loan workout to meet federal and state government auditing procedures.

Performed all aspects of residential mortgage lending from origination to closing and secondary markets.

Consulted and assisted customers to achieve beneficial outcomes for their home mortgages.

Proven experience with Fannie Mae and Freddie Mac products to perform services and meet guidelines.

BANK OF AMERICIA, Greensboro, NC May 2004- June 2008

Team Leader/Senior Financial Specialist

Managed departmental updates, training and procedures to enable our department to exceed local, state and government benchmarks, during the recovery process

Collected and applied various cash, check, debit/credit card payments to update consumer accounts with current information.

Mitigated risk while adhering to quality procedures and ensuring compliance with regulatory requirements **

Verified post foreclosure service responsibilities

Performed several candidate interviews for potential new hires and promotions

Provided outstanding customer service to inbound callers while responding to their inquiries and requests.

Recorded information in all systems to maintain accurate and up to date loan records

Demonstrated the ability to examine and evaluate information and documentation from various records and reports to make proper determination based on analysis.

Maintained timely processes for pending foreclosure action, including loss mitigation activity

Implemented and approved payment plans to increase department recovery earnings by 33%.

Experience managing a pipeline of work from assignment to completion with attention to detail under tight deadlines

Complex problem analysis and resolution skills

Knowledge and understanding of the importance of compliance and adherence to business/regulatory policies

Intermediate Microsoft Office skills

Ability to navigate multiple computer systems, applications, and utilize search tools to find information

Demonstrated the ability to write clear and detailed communications that convey concise and comprehensive information on matters of moderately complex nature and provide appropriate documentation to support conclusions.

May be responsible for low level account analysis

May recommend foreclosure, repossession and/or other outside action

May negotiate with attorneys and/or debtors where permissible

May work directly with court personnel

May file appropriate documents/forms directly with court

CHEVY CHASE BANK, Greensboro, NC September 1999- April 2004

Team Leader/Financial Recovery Specialist

Oversaw the full functionality of the department by empowering all employees with essential training and tools needed in obtaining optimal results.

Anticipated and responded to customer needs and assisted operations team with root cause analysis.

Initiated direct contact with borrowers, assessing the prospect of repayment, arranging repayment schedules or other solutions

Input data relating to the loan files, foreclosure information, and liquidation information

Received numerous incentives and awards due to my team posting the largest amount of recovery for the department.

Maintained the most updated training and procedures to enable the department to exceed local, state, and government benchmarks during the recovery process.

May be responsible for low level account analysis

May recommend foreclosure, repossession and/or other outside action

May negotiate with attorneys and/or debtors where permissible

May work directly with court personnel

May file appropriate documents/forms directly with court

AETNA US HEALTHCARE, Greensboro, NC January1996-September1999

Claims Processing Specialist

Processed electronic claims on various systems for different insurance carries

Managed pipeline of 100-150 claims requiring ICD-9 and CPT codes

Demonstrated basic knowledge of physician coding and medical terminology

Researched and investigated various claims that we delinquent and denied.

Determined if claim submission was completed correctly, verified data and entered into system for adjudication

Worked directly with beneficiaries to resolve any errors and answer any questions regarding eligibility status

Reviewed payments history to determine final payment amount, if any

Paid vendor statements and handled payment complaints and discrepancies

Processed checks, stop payments, cancellations, voids and journal entry payments

Scheduled appointments

Provided independent decision making skills and demonstrated initiatives to resolve issues for internal and external customers

Answered incoming calls while handling in-person inquiries

Composed and typed routine letters and documented file activity on a regular basis on the computer

EDUCATION

Bachelor of Arts, Business Management, North Carolina State University, Raleigh, NC

Salary Negotiable

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