Underwriting Manager Resume

Alex V. Sukhodolov, MBA

**** ***** ***** **** *****, AZ 85284 480-***-**** ***********@*******.***

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Summary of Qualification

Level One Fingerprint Clearance (Arizona Department of Public Safety). Forward thinking mortgage operations professional with formidable record in strengthening company growth and maximizing profitability. Offers high-caliber leadership and financial/business talent that enhance advanced business analytics and operational efficiency. Exceptional leader who connects to all personality styles, builds vital partnerships and champions team performance excellence in Loan Processing and Underwriting environment. Stellar performance in pipeline management, development, implementation and monitoring of quality standards. Excels in root cause analysis and opportunity prioritization. Documented success in strategy development and execution, goal/objectives setting in business case development, project initiation, planning and execution. Dynamic Lean Six Sigma expert capable of leading cross functional teams through process improvement initiatives while creating efficient processes and delivering value to shareholders and customers at large.

Areas of Excellence

–Business Development – Organizational Management – Underwriting/Processing

–Risk Management – CFPB/RESPA/Reg Z/ – Project Management

– Training / Development – SQL/SAAS/SEI/CRAS – P&L/Expense Management

–Staffing / Leadership – Budgeting / Financial Analysis – Policy Development

–Performance Monitoring – Strategic Planning / Execution – Change Management

Selected Achievements

Bank of America:

Global Recognition - Bronze Award for Exemplary Customer Service, 2009, 2010.

Effectively eliminated tasks duplication and streamlined underwriting process reducing numerous hours in process framework and increasing labor efficiency by 25% – Lean Six Sigma Mythology.

Countrywide Financial Corporation:

Member of Countrywide’s Million Dollar Club

Top Conversion Rate Award for South West Region Branch (16.20% and 18.5% - 2008, 2009).

Top FHA Originator Award – 49 million USD (2009).

L.E.I. Financial:

Reduced prequalification process time over 30 minutes through development of online loan prequalification system increased loan volume from 58 million to 168 million in 8-month period employing “Velocity of Money” strategy.

Ameriquest Mortgage Company:

Positioned branch among top 10% with $160 million within 1-year period (previously ranked among bottom 25%) while maintained production rate above 95 % above monthly expectations year-over-year.

Professional Experience

VOS CONSULTING, LLC, Tempe, Arizona 04/14 – Present

Principal

Delivers consultant services to small and medium size businesses to improve investment value (operations/risk management and profit gain).

Identify and communicate value enhancement opportunities while developing & implementing short and long term strategies to sustain and improve the value of the portfolio.

Conduct monthly financial reviews to evaluate properties performance, identity gaps while working with the stakeholders to develop plans to rectify accordingly.

Perform in- depth evaluation of annual business plans, credit worthiness, capital plans and provide proactive oversight of execution of plans throughout the year, monitoring of capital expenditures for each asset to include major renovations and routine capital expenditures.

Utilized research, industry analysis/benchmarking, financial analysis and computer modeling fundamentals to analyze operations, financial reports, annual business plans and long term strategic plans.

Proactively identified and resolved ownership issues and ensured that property specific compliance requirements were completed to maintain the integrity of all the assets.

BANK OF AMERICA, Phoenix, Arizona

Operations Analyst 05/13– 04/14

Steered projects and alternatives to improve operational efficiency through Lean Six Sigma Methodology – Exclusion Remediation.

Coordinated review of Conventional, Jumbo, FHA & VA loans and report on overall portfolio quality using SharePoint.

Delivered solutions of complex issues/transactions for business units, including research and project management, new risk management policies and procedures for the launch and maintains of CFPB (ATR,QM, and Appendix Q).

Oversaw regulatory compliance with Federal and state regulations for the Bank with regards to Credit Risk Management.

Created, implemented and Improved tactics for new products, services and risk management procedures.

Communicated decisions, priorities and relevant project information to senior management using SQL, Excel, and Salesforce.

Underwriter 09/09 – 05/13

Identified risks/potential fraud and conducted risk management assessments (Modifications, Conventional and Jumbo loans ).

Evaluated risk strategy via financial data and research to provide risk countermeasures for Senior Executive Staff.

Recommend changes to the lending and compliance policies as needed on a Centralized Lending Platform .

Trained and coached junior underwriters on an ongoing basis to ensure top performance.

Evaluated debt ratios, loan to value ratios and credit scores against ATR/QM/App Q regulatory requirements (CFPB).

Reviewed DTI ratio, LTV, credit worthiness, employment, and P&L statements in accordance to investor guidelines .

Analyzed over $90 million dollars in collateralized loans with 95% audit accuracy in metrixed environment.

COUNTRYWIDE FINANCIAL CORPORATION, Chandler, Arizona 05/07 – 09/09

Senior Mortgage Loan Officer

Developed and maintained successful relationships with business referral sources, existing and prospective Bank of America Countrywide Residential Real Estate Customers on a Centralized Lending Platform.

Utilized CFC’s training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners.

Provided complete loan applications to fulfillment center partners while ensured exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners.

Met and exceeded production goals as established by the Sales Executive Team in metrixed environment.

Oversaw and ensured successful completion of all assigned Loan Officer Training activities.

L.E.I. FINANCIAL, Tempe, Arizona 04/06 – 05/07

Director of Operations

Directed financial operations including allocating/coordinating resources, overseeing 60 employees, addressing personnel-related issues, pipeline management, and improving workflow production from 52 million to 168 million in loan volume.

Developed robust credit scoring systems and predictive models to increase efficiencies & effectiveness of origination, compliance servicing and portfolio management in order to achieve cost per loan targets.

Developed and maintained reporting mechanisms allowing accurate & timely identification of risk profile in all asset categories.

Submitted accurate and timely reports as required by the executive team and regulatory agencies.

Proactively hired, trained, and mentored sales, processing, and underwriting staff.

Set monthly & annual goals for loan quality, cycle times, service & productivity while meeting internal and external SLAs.

Implemented quality oriented closed loop process related to handling input, closing, and funding areas on submitted loans increasing volume of funded loans (Conforming and None Conforming Loans.

AMERIQUEST MORTGAGE COMPANY, Tucson, Arizona 11/04 –04/06

VP, Branch Manager

Strengthened branch growth (Retail Setting) by developing/executing a strategic regional sales plan to identify potential customers and new business opportunities (Conventional/FHA/VA/Jumbo loans).

Successfully recruited, supervised, and piloted a team of 40 employees including full accountability for employee development, performance, and setting team goals in metrixed environment.

Introduced changes to enhance efficiency and quality customer service interaction.

Education

Master of Business Administration – Global Management (Executive Program) 05/15

Thunderbird School of Global Management Glendale, Arizona

Six Sigma Green Belt Certification 07/12

Expert Rating Solutions New York, New York

Bachelor of Arts in Communication 12/04 University of Arizona Tucson, Arizona

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