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Loan Manager

Location:
Walnut Creek, CA
Posted:
March 16, 2019

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Resume:

BART PODGORSKI

** ****** *****

Danville, CA ****6

Tel. 925-***-****

ac8sxx@r.postjobfree.com

“I am a strategic decision maker with a strong combination of lending operations and financial technology knowledge. I am an experienced relationship builder and negotiator at all levels of an organization. I have a degree in Political Science and Lean Six Sigma Certification.” Accomplishments and Highlights

Generated annual revenue of over $1.2 million in loan reinstatements

Successfully build up lending departments, generating from $10 to $80 million in performing loans

Manage teams of 6-8 loan agents originating monthly over $30 million in unsecured loans

Established lending relationships with secondary market investors and warehouse lines

Developed special loan programs and pricing to accommodate high profile customers in obtaining home and small business financing combined with bank deposit relationship

Expert in analyzing complex personal and corporate financial statements

Responsible for $120 million loan portfolio with 0% delinquency

Approval lending limits up to $2,000,000 for secured and $75,000 for unsecured loans

Provides coaching and performance enhancement plans to approaching or challenged loan agents

Responsible for monitoring day-to-day operations in Processing, Underwriting, Closing/Funding, and Post- Closing, QC and Compliance

Live reviews of each step in the mortgage production process

Provide reporting and process improvement recommendations based on those quality assurance reviews of each business line

Process contributor, ranging from a visionary redesigning the needlessly complex mortgage process; Data analyst uncovering how to make the most impact; Problem solver working with highly skilled engineers and industry experts to resolve technical and operational challenges. Department Management / Loan Product Development / Quality Assurance Secondary Markets Relationship Management / Project Underwriting / New Product and Program Development / Staff Recruitment & Motivation / Team-Building and Mentoring / Goal Driven Production / Commercial and Unsecured Lending Education

Degree in Political Science, University of Maria Curie Sklodowska of Lublin, Poland Business Management courses at Wright College and Northwestern Business College in Chicago, Illinois Computer Science courses at Triton College in River Grove, Illinois Lean Six Sigma Green Belt at Purdue University, Indiana Experience

Better Mortgage Feb 2018 – Present

Sr. Mortgage Underwriter

Underwrite and decision agency conforming and jumbo residential mortgage loans

Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents

Review appraisal reports to identify and resolve any discrepancies discovered within

Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan

Calculate qualifying ratios, determine creditworthiness, provide risk opinions General Mortgage Capital Corporation Sep 2016 – Feb 2018 QC and Compliance Officer

Monitor and manage the day-to-day operations in Quality Assurance.

Lead a team of Quality Assurance Analysts to accomplish the program goals and objectives while providing the staff with the appropriate level of guidance, coaching and training as needed.

Provide management with an appropriate level of knowledge pertaining to the quality of the processes intended to achieve a reduction in process, guideline, and compliance related defects.

Develop robust reporting to ensure business line management can take the appropriate actions as warranted by In-line Quality Assurance results.

Provide constant analysis of the compliance components to be tested, the appropriate level of staffing to complete the functions, and the reporting needed to support the business line.

Communicate with leadership teams to coordinate system and control activities in order to enhance existing and proposed processes.

Assist in the planning of departmental goals and working with the various supervisors, managers, and internal partners to achieve specified results.

Perform ongoing training, reviewing and communicating current lending industry topics, concerns or standards.

Interact with Credit, auditors, quality control and internal business units to correct any items addressed in quality control/quality assurance reviews and ensure necessary changes or recommendations have been implemented as directed.

Research system or process concerns in order to identify process gaps. Make recommendations to maximize the accuracy and effectiveness of the loan origination, underwriting, closing, funding, insuring and document control systems/processes.

Design, and put into use, standardized reporting to identify and trend on quality and process deficiencies relating to risk and financial impacts.

Sr. Mortgage Underwriter

Responsible for underwriting FNMA, FHLMC and JUMBO loans in accordance with several delegated investors' guidelines for the multi-state mortgage banking operations, managing the loan pipeline, timely delivery of 100% quality rating loans with no recourse or “buy-back” actions, constantly interacting with processing and production personnel on all loan transactions, as well as the closing, funding and post-closing departments to facilitate the investor purchases on secondary market.

Assures closed loans meet the company's approved interest rates, origination fees, loan discounts, loan terms, and secondary market investors’ requirements.

Go-to resource for loan personnel regarding underwriting guidelines, loan programs and pricing

Makes sound loan decisions in approving or denying mortgage loans, following mortgage standards authorized and established by management review and recommended the approval of loan exceeding lending authority Intuit Feb 2016 – Aug 2016

Small Business Loan Specialist (contract)

Help small business owners understand financing options, choose a lender and prepare their applications packets. Manage these relationships virtually using channels such as phone and email, plus tracking the pipeline activity in a CRM system.

Heavily involved in testing new small business loan products and gathering and analyzing loan data.

Includes managing incoming chat and 800# inquiries to answer inquiries and increase conversion of prospects to funded loans. It also includes proactively reaching out to prospects in the pipeline providing excellent customer service, support and building goodwill with an ultimate goal of facilitating the loan process.

Heavy collaboration with internal product, marketing and partner management team plus with financing partners.

Actively analyze and leverage business data to recommend strategies and tactics for your marketing initiatives. Maintain bias towards using data insights to continually test and iterate efforts.

Monitor program performance with a full understanding of root cause; defining critical priorities and opportunities to improve.

Prosper Marketplace Incorporated June 2014 - Feb 2016 Loan Approval Manager and Underwriter

Managing a team of loan approval specialists who are tasked to verify various aspects of loan application and borrower’s identity.

Helping verification agents to effectively perform their daily responsibilities and work with them to achieve their daily/weekly, monthly goals.

Training and coaching new agents to become experts in evaluating applicants' creditworthiness, financial capability and risk level.

Reviewing and approving personal, non-collateralized loans up to $35,000. Creating strategy plans to exceed monthly production goals by 15% or higher.

Coach, counsel and sets production goals.

Support loan specialists in their efforts for growth and development.

Conduct loan level quality review of process and decisions made by agents.

Conduct performance reviews and provide guidance to improve performance.

Participate in the hiring and training specialist.

Conduct evaluation for agents' monthly incentive plan.

Identify issues and drive process improvement.

Responsible for meeting and exceeding teams' monthly goals Quatrro Mortgage Solutions Nov 2013 – Mar 2014

Project Underwriter (contract), Forensic and Compliance Loan Analysis and QC

Reviewing batches of loans involved in litigation and court proceedings, In-depth loan-level quality control with a 100% re-review of input data, accurate and discernible reporting, access to superior compliance consultation, current tests and tolerance for all federal and state regulations, support

Expert Witness Analysis and cross-examination

Review each loan against applicable rules and regulations as well as against loan policies of banks and lenders

(dormant guidelines with credit overlays).

Compliance reviews include HOEPA – Sec32, state and municipal high cost/anti-predatory reviews, TILA, MDIA, RESPA, ECOA, HMDA and Fair Lending regulations.

Forensic loan review process involves strategic loan analysis, document retrieval, re-underwriting of original files and supporting documents.

Fraud review for undisclosed properties and mortgages, obtaining information on inflated property values, detecting “bailouts” and “straw buyers”, extracting information on falsified employment, income, occupancy and assets.

Bank of Commerce Mortgage Jan 2013 – Nov 2013

Sr. Mortgage Underwriter, Correspondent Lending

Responsible for underwriting FNMA/FHLMC, FHA and JUMBO loans in accordance with various investor guidelines for the multi-state mortgage banking operations, managing the loan pipeline of 80+ loans per month, timely delivery of 100% quality rating loans with no recourse or “buy-back” actions, constantly interacting with processing and production personnel on all loan transactions, as well as the closing, funding and post-closing departments to facilitate the investor purchases on secondary market

Assured closed loans met the company's approved interest rates, origination fees, loan discounts, loan terms, and secondary market investors requirements

Go-to resource for loan personnel regarding underwriting guidelines, loan programs and pricing

Prepared appropriate documentation pertaining to lending decisions, including Conventional, FHA, VA, Jumbo, state bond programs, and Condo projects

Made sound loan decisions in approving or denying mortgage loans, following mortgage standards authorized and established by management review and recommended the approval of loan exceeding lending authority

Communicated loan decision to appropriate parties and performed other job-related duties and special project as assigned

Bank of America Jun 2011- Jan 2013

VP Sr. Loan Review Manager, Loss Mitigation Department, QC and Compliance

As an Assistant Project Manager for Workout Strategies Group, formed and managed San Francisco operations to review batches of loans involved in litigation and court proceedings, In-depth loan-level quality control with a 100% re-review of input data, accurate and discernible reporting, access to superior compliance consultation, current tests and tolerance for all federal and state regulations.

Participated in recruitment and interviewing of key underwriting talent, annual performance review.

Reviewing each loan against applicable rules and regulations as well as against loan policies of banks and lenders

(dormant guidelines with credit overlays).

Evaluation of credit quality of selected loans, leases and letters of credit and determination of adequate documents in selected credit and collateral files.

Forensic loan review process involves strategic loan analysis, document retrieval, re-underwriting of original files and supporting documents.

Fraud review for undisclosed properties and mortgages, obtaining information on inflated property values, detecting “bailouts” and “straw buyers”, extracting information on falsified employment, income, occupancy and assets.

Compliance reviews include HOEPA – Sec32, state and municipal high cost/anti-predatory reviews, TILA, MDIA, RESPA, ECOA, HMDA and Fair Lending regulations.

Borel Private Bank and Trust Sept 2006 – Jun 2011

VP Mortgage and Loan Underwriter, Lending Department

Assisted in establishing Mortgage Lending Department for the bank, responsible for underwriting a wide range of Portfolio and Secondary Market loans, including FNMA, Jumbo, small business and equity lines of credit, actively involved in product and program development, member of Loan Pricing and CRA committee, played leading role in establishing secondary market relationships with other banks.

Verified that terms of the loan are in accordance with the company guidelines, approved interest rate, origination fee, loan discount, loan terms, and secondary market investors requirements

Served as resource for loan personnel regarding underwriting guidelines

Prepared appropriate documentation pertaining to lending decisions, including Portfolio, Conventional and Jumbo loans.

Made sound loan decisions in approving or denying loans, following lending standards authorized and established by management review and recommended the approval of loans to the loan committee of the bank.

Communicated loan decision to appropriate parties and performed other job-related duties and special project as assigned.



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