SCOTT C. GAUKEL

816-***-****

linkedin.com/in/scott-gaukel-924a13b

ad1hvq@r.postjobfree.com

SUMMARY

A Senior Credit Analyst with experience as a member of corporate leadership team and over 30 years of experience in representing services and products in the mortgage and consumer lending industries. Also provides a consultative sales approach helping hundreds of individual and families navigate the mortgage loan process successfully and offer recommendations that are best for my clients in the short and long term. EXPERIENCE

ARMED FORCES BANK/ACADEMY BANK KANSAS CITY, MO

2016-2022

Senior DE/SAR Underwriter

• Review and evaluate residential mortgage loans to ensure underwriting standards are met, to determine if buyer, property and loan conditions meet established investor standards for all conventional, VA, FHA and private investor loans. Maintain knowledge of company policies and procedures in addition to private investors, government investors and portfolio Credit Policy guidelines.

• Worked cross-functionality with the buy-side group to ensure proper allocation of interest and principal.

• Advised management on findings of errors and evaluated these findings against established legal policy standards resulting in mitigating financial risk.

• Analyzing information about customers and examining references, credit ratings, investment risks, pay slips and other information against predetermined policy standards.

• Oversaw entire mortgage process from application and origination to underwriting and settlement.

VETERANS UNITED HOME LOANS, LENEXA, KS

2015-2016

Senior DE/SAR Underwriter

• Review and evaluate residential mortgage loans to ensure underwriting standards are met, to determine if buyer, property and loan conditions meet established investor standards for all conventional, VA, FHA and private investor loans. Maintain knowledge of company policies and procedures in addition to private investors, government investors and portfolio Credit Policy guidelines. NATIONAL BANK OF KANSAS CITY, OVERLAND PARK, KS

2009-2015

Senior DE/SAR Underwriter

• Cleared loan approval conditions, reviewed, examined and underwrote loans to ensure sound business value and compliance to guidelines to determine if buyer, property and loan conditions meet established investor standards for all conventional, VA, FHA, USDA and private investor loans. Analyzed and evaluated all collateral, credit and financial status of individuals with over 4 years FHA DE, USDA and of VA SAR underwriting experience granting government loan approvals.

CAPITAL ONE HOME LOANS, Overland Park, KS

2003 – 2009

Senior Underwriter

• Analyze residential mortgage loans to determine the acceptability for funding. Review all required documentation and determine if additional verification or analysis is required.

• Led the company in production of newly underwritten loans for three consecutive years, 2004 – 2006

• Received Direct Endorsement authority for FHA originated residential mortgage loans within first six months of eligibility

• Assumed responsibility for final file review decisions to follow investor guidelines CITI FINANCIAL SERVICES (FORMERLY THE ASSOCIATES), Lee’s Summit, MO 2002-2003

Branch Manager (2002-2003)

• Managed staff training and performance. Developed goals with workload management, maintain branch profitability while reducing operating expenses.

• Led Citi Financial Services in total new dollar revenue from 1997-2001 with over 20 million in new production

• Invited to join Real Estate Sales force by executive management team

• Developed loss prevention workshop and reduced overall branch delinquency below 2%

Education

Bachelor of Arts, History, Briar Cliff College, Sioux City, Iowa Associate of Arts, Liberal Arts, Waldorf Community College, Forest City, Iowa SKILLS

Proficient with Encompass, DU, LP and GUS

Strong work ethic with high attention to detail and ability to work without supervision

Excellent communication, interpersonal, leadership and problem solving skills

Proficient with review of personal and business tax returns

Over 14 years of experience with FHA, VA and HUD loans

VA SAR and FHA DE designations

Excellent credit, risk analysis and analytical skills