Resume

Sign in

Customer Service Sales

Location:
McKinney, Texas, United States
Posted:
November 13, 2018

Contact this candidate

Resume:

RICK NOVAK

214-***-**** ac7om6@r.postjobfree.com

**** ***** ****** ** ******** Texas 75069

Profile

Twenty Plus years mortgage experience.

Underwriting complex mortgage loans adhering to company and government guidelines, policies and procedures. Render credit decisions for complex residential loans ensuring compliance with appropriate company and secondary market investor standards.

Develop and recommend modifications to underwriting and production procedures. Responsible for all levels of underwriting authority and exemption levels. Responsible for examine loan documentation including title and appraisal for accuracy and completeness while working with loan origination and production staff to secure all required documents in both an underwriting and quality assurance capacity.

Mortgage Underwriting, Credit analysis, Appraisal review, New Home Sales, Supervisory and Management. Excellent communication and written skills. Supervised/managed a staff of 20 plus employees.

Committed team player with proven ability to meet and exceed goals. Experience

Mortgage Underwriter, The Money Source. McKinney Tx 2018–Present Underwrote and maintain new and existing loans in a wholesale environment with a pipeline of a minimum of sixty loans monthly. Underwrite complex mortgage loans for high net worth clients• Perform complex income / tax return analysis for high balance loans. Communicate credit decisions and propose alternative solutions to Mortgage Brokers.

Adequately and effectively explain in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers. Providing exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed. Perform timely reviews as set per management of new file submissions and conditions submitted, as well as loan resubmissions. Analyze challenging loan packages to render sound credit solutions per guidelines. Maintain quality and productions standards as defined. Mortgage Underwriter, First United Bank, Plano Tx June 2012 - 2018 Underwrote a minimum of 3 new submissions and maintain existing pipeline of resubmissions, conditions, and investor files at a minimum of 10 daily. Underwrite complex mortgage loans for high net worth clients• Perform complex income / tax return analysis• Approve loans within jumbo credit authority and in accordance with credit policy and credit culture• Proactively manage assigned pipeline • Assist in identifying or recommending alternative loan solutions• Ensure data accuracy• Manage prefund quality control errors to below 5%.

Experience underwriting Bank Portfolio and Investor jumbo and/or non- conforming loans for high net worth individuals • Bank experience• Proven background with Self-Employed borrowers• Experienced underwriting non- conforming loans• Current knowledge of underwriting and credit risk principles• Strong knowledge of unique property vesting i.e. trusts and LLCs Excellent verbal and written communication skills• Extraordinary client service aptitude• Meticulous follow-up and follow through• Ability to work under tight timelines• Excellent attention to detail• Proficient with Microsoft Office suite and Encompass.

Responsible for the underwriting duties associated with all bank, investor and regulatory requirements. New Construction,One and two time close, Rehab loans, purchase and refinance loans including investor and bank portfolio Jumbo products. Perform credit and property analysts on all loan files submitted within the time frame established by departmental management. Analyze challenging loan packages to render sound credit solutions per guidelines.

Adequately and effectively explain in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers. Providing exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed. Perform timely reviews as set per management of new file submissions and conditions submitted, as well as loan resubmissions. Mortgage Underwriter, Bank of America, Dallas Tx July 2011 - May 2012

Underwrote and Audit new and existing mortgage loan files. Mortgage Underwriter, JP Morgan Chase, FTW Tx Feb 2011 July 2011

Underwrote and Audit new and existing mortgage loan files. Realtor, Keller Williams Realty, Dallas Tx Aug 2009 2013 Residential / Commercial Realtor. Determined property values. Prepared market analysis statistical reports, providing property staging and marketing strategies. Prepare and negotiate contracts with clients and or agents. Sales Manager, Arcadia Homes, McKinney TX Oct 2006 May 2009. New Home Sales Manager. Design Manager.

Ability to interpret, analyze and evaluate given information relative to selling techniques and potential homebuyer issues. Self-motivated with persuasive, enthusiastic and customer-service oriented personality and outstanding negotiation and organizational skills; detail-oriented aptitude. Outstanding verbal and written communication skills for high interaction with a variety of people inside and outside of the organization. Decisiveness and good judgment, problem-solving and analytical skills to act with authority and take risks in an environment with little direction from others. Effectively manages sales generation by utilizing Corporate marketing materials, model homes, local resources and realtor relationships. Show the community, lots and spec homes to prospects and realtors. Market community (participation in local events or local sales organizations). Served as trusted advisor/primary point of contact for home buyer from initial meeting through home closing. Scope may vary during phases of sales process.

Tour and demonstrate model homes.

Generates excitement by effectively identifying needs of potential home buyers and matching related solutions.

Builds confidence with potential home buyer by selling features/benefits of homes product and experience

Mortgage Underwriter, Finance America LLC, 2004,2005; Encore Credit 2005, 2006; CW Homes Loans 2006; Wilmington Finance 2006; WMC Mortgage Corp 2003, 2004

Mortgage Loan Underwriter.

Mortgage Underwriter, EMC Mortgage Corp. 2000 2003 Mortgage Loan Underwriter

Mortgage Loan Servicing Supervisor, Centex Home Equity, 1996 2000 Supervised large mortgage compliance staff

Education

North Lake College, Irving Tx. Realestate Finance.



Contact this candidate