Underwriter

Steve Feick

**** *. **** *.

Farr West, UT *****

Phone: 801-***-****

**********@*****.***

Professional Summary:

** + years’ experience in banking, mortgage, underwriting, management and lending. 5 years quality assurance

experience with a history of performance and work ethic. 3 years in Bank fraud in detection and analyzing potential

high risk situations. Accomplished in training and motivating personnel and promote team unity.

Key Skills include:

• Advanced knowledge of working with Microsoft Office Suite.

• Demonstrated leadership ability and team participation in college, extracurricular and work related

environments.

• Strong oral and written communication/interpersonal skills demonstrated by communicating with

management on a regular basis and other departments in a professional manner. Also providing constant

training to team members and peers to ensure their jobs are completed accurately.

• Energetic self-starter who is flexible, conscientious, proactive and detail-oriented. Able to motivate peers

to do a better job by setting the example for the team by leading the team in units per hour, accuracy,

quality and with little exceptions used, to set the expectation.

• Ability to interact confidently and professionally with clients and managers.

• Time management and organizational skills to effectively prioritize multiple loans and meet volume

goals.

Work Experience:

Zions Bank, Cottonwood Heights, Utah 2013 to current

Residential Mortgage Underwriter

• Underwrite residential loans to Freddie Mac guidelines per bank and investor requirements.

• Analyze Appraisals, Credit reports and income worksheets to verify that a borrower meets guidelines and can

repay the loan, and that collateral is acceptable.

• Familiar with Encompass, Loan Prospector, Allregs, Freddie Mac MRI books, and other resources to perform

the underwriting process.

• Use of Buker’s Tax analysis and Moody’s software to analyze income and spread the borrower or their

business to help make loan decisions.

• Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in

underwriting Fannie Mae and in house loans that were not sold on the open market to investors.

• Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of

borrowers to determine risk and repayment capacity.

• Maintained compliance with lending, underwriting and government requirements.

• Demonstrated excellent follow-through with loan processors, loan originators and management throughout

all phases of the underwriting process.

• Lending limit equal to Freddie Mac guidelines for the area in question.

• Actively manage approval and condition to maintain company published service standards.

• Manage underwriting dispositions, clear conditions, ensure files are cleared to close in a timely manner.

Wells Fargo, Salt Lake City, Utah 2008 to 2013

Quality Assurance/Compliance

• Subject matter expert of the Wells Fargo Customer Connection (WFCC) policies processes and practices.

Monitor, score and review bankers work to Wells Fargo policy, procedure, compliance and the associated

risk.

• Utilize an in-depth knowledge of bank processes, procedures, regulatory standards, risk management,

and customer service guidelines to provide consistent, written feedback and guidance according to QA

standards.

• Accurately document banker compliance, quality control and other quality performance expectations

used for management review and audit.

• Make daily decisions that can impact overall performance measurements of service Bankers. Decisions

include compliance revisions and consistently working with the regulatory and compliance department to

provide and implement changes to phone bankers on scoring procedures.

• Utilize Microsoft Excel to track database items such as how many calls have been monitored for bankers,

scoring trends and their corresponding scores. UtilizeMicrosoft Word to write notes for every call,

ensuring accurate documentation.”

• Use excellent written and verbal communication skills to present information and other findings in

virtual meetings with management, liaisons and many other departments to get information decided on

and implemented within the departments.

• Dealt with AML, BSA, most bank regulations from a compliance standpoint.

SMF Financial, Ogden Utah 2001 to 2010

Residential Underwriter/Commercial Loan broker

• Trained by several private lenders, Angel investors and intuitional trusts to underwrite the loans to their

specifications, using both computer system and manual underwriting processes.

• Worked with many different complex loan packages, analyzing applicant, property and documentation,

including financial statements, verifying information, receiving documentation as instructed by the lender.

• Underwrote residential mortgages, residential construction loans and permanent financing loans to secondary

market standards.

• Analyze risk as it relates to primary residential and investment quality loans.

• Evaluated consumer construction loans along with permanent mortgage loans.

• Structured and priced loans consistent with compliance policies of the lender; compiling, analyzing and

documenting loan data, determining credit risk, investigating and analyzing various program guidelines,

reviewing and understanding credit standards, determining credit worthiness, understanding financial

statements.

• Managed a team of 10-25 brokers, underwriters and processors who had their own pipeline, ensuring all

documents were submitted, labeled and uploaded for a smooth underwriting process.

• Experience with Desktop underwriter, Loan Prospector, Calyx Point and Encompass.

• Worked primarily with commercial loans in a variety of loan products including factoring, Mezzanine, and

the issuance of standby letters of credit.

• Commercial lending for real estate, oil and gas, mining and a variety of other loan/project requirements.

Education:

American InterContinental University, Schaumburg, IL:2009 to 2013.

Bachelor of Business Administration with a concentration in Finance

• Graduated in March 2013.

• Achieved AIU Business Honor Society - Delta Mu Delta, MU Epsilon Chapter of the International

Business Honor Society.

Contact this candidate