Real Estate Customer Service

Todd A. Rausch

515-***-**** • **************@*****.***

QUALIFICATIONS SUMMARY

** ***** ** **** **********, fraud mitigation and problem resolution experience

** ***** ** ********** ********* superb customer service

10 years of experience using social media and email marketing

7 years of producing high quality deliverables

9 years of project management and technical experience

7 years of sales and marketing experience in the real estate arean

5 years of legal experience

3 years of tradeshow, promotion and event planning experience

PROFESSIONAL EXPERIENCE

Mortgage Loan Originator – Gershman Mortgage 2018 – Present

Plan and manage marketing campaigns to maximize clientele

Interact with a large contingency of individuals via multiple lines of communication

Build relationships with real estate agents, home builders, bankers and investors to increase business pool

Analyze applicants’ financial status, credit and property evaluation to determine loan feasibility

Provide home financing with conventional, FHA, VA and USDA loans

Adhere to all federal and state compliance guidelines relative to retail mortgage lending

Analyze documents and communicate effectively with clients to ensure all required documents are obtained

Loan Officer – Red Rock Mortgage 2017 – 2018

Analyzed applicants’ financial status, credit and property evaluation to determine loan feasibility

Performed daily maintenance of the loan applicant database

Built relationships with real estate agents, home builders, bankers and investors to increase business pool

Managed marketing campaigns to maximize clientele

Adhered to all federal and state compliance guidelines relative to retail mortgage lending

Analyzed documents and communicated effectively with clients to ensure all required documents are obtained

Research Remediation Analyst / Team Lead – Wells Fargo 2013 – 2017

Spearheaded the California Home Affordable Modification Program class action lawsuit consisting of approximately 11K borrowers with a potential monetary impact of $20M

Supervised high profile, legal settlements in excess of $50K to ensure legal sufficiency and 100% compliance with contract terms and conditions

Managed legal team funding requests in excess of $10K, ensuring funds are tracked and applied appropriately

Complete monthly quality reviews, train and mentor team members

Managed 100% of legal settlement agreements to ensure execution of all terms is achieved

Administer and query real time reports for the New York Interest Tolling Project utilized by senior management in decision making and risk mitigation

Managed remediation efforts and worked directly with project teams to ensure litigated loans are not impacted negatively

Valued member of the Deal Review Committee; consists of senior managers, stakeholders, legal partners and end users that met weekly to resolve high profile legal matters

Successfully resolved high profile, bad faith lawsuits

Reviewed and collaborated reports consisting of daily activity and workflow

Senior Loan Underwriter - Wells Fargo 2009 – 2013

Managed a pipeline of delinquent mortgage loans with balances exceeding $1M and negotiated liquidation workouts to mitigate losses and risk for the organization

Reviewed and decisioned all loan losses exceeding $400K within the Des Moines and Milwaukee Liquidation Departments

Assisted with implementing and testing new systems and department procedures

Disputed annual audits and communicated with senior management in order to challenge findings

Developed and implemented training material for departmental appraisal review process and phone etiquette guidance

Assisted with interviewing potential candidates for the department underwriting team

Acted as a subject matter expert on all aspects of underwriting and compliance/risk issues

Communicated directly with senior management regarding information for complex cases ensuring key points were understood

Managed escalated issues within the department

Mortgage Loan Underwriter – Wells Fargo 2009

Analyzed complex financial and credit information for conventional loan business within the Wells Fargo Refinance Center

Compiled, analyzed and documented loan data and credit risk to assist with credit approval process

Approved or modified loan applications based on lender requirements and standards

Communicated credit decisions and offered alternative products to borrowers in need of financial assistance

Credit Underwriter – CitiMortgage 2008 – 2009

Analyzed and evaluated loan applications and supporting documentation

Achieved advanced specialist rating, STAR, to handle escalated customer calls

Acted as a subject matter expert for all aspects of loan process from registration to funding

Approved or modified loan applications up to $650K based on lender requirements and standards

EDUCATION

St. Ambrose University 1992 - 1996

Business Administration – BA, Economics - Minor

PROFESSIONAL ORGANIZATIONS & MEMBERSHIPS

Iowa National Guard Officer’s Auxiliary

Veteran’s Association of Real Estate Professionals (VAREP)

Central Iowa Property Association (CIPA)

Churches United

Freedom For Youth

Iowa National Guard Officer’s Association

Iowa National Guard Enlisted Association

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