MIKE

HAWLEY

262-***-****

ad27oe@r.postjobfree.com

Mequon, WI 53092

CONTACT

SKILLS

• Client Account Management

• Credit Check Knowledge

• Mortgage Loan Origination

• Sales Forecasting

• Document Analysis

• Regulatory Compliance

• Lending Software Systems

• Financial History Reviews

• Customer Interaction

• Economics Understanding

• Desktop Underwriting Expertise

• Government Standards

Dedicated and articulate individual adept at analyzing loan applications, assessing creditworthiness and closing loans. Experienced in providing financial advice, developing loan agreements and navigating the loan process. Committed to excellence and ensuring a positive experience for every client. Accomplished professional with substantial experience in the banking and finance industry. Skilled in loan origination, underwriting, customer service and portfolio management. Proven ability to develop relationships with customers and close loans promptly. PROFESSIONAL SUMMARY

Branch Finance Manager

J.D. Byrider, Milwaukee, WI

Loan Partner

AFC Mortgage, Monroe, Connecticut

EXPERIENCE

August 2023 - Present

Successfully managed financial operations and reported financial performance to executive management.

•

Assisted in developing annual budgets as well as identifying cost saving strategies for all branches.

•

Identified process improvements within the finance function that increased

• productivity while reducing costs.

Reviewed monthly closing processes for accuracy and completeness prior to submission for review by senior management.

•

• Reviewed sales contracts and vendor and consultant contract agreements.

• Cultivated and maintained relationships with external finance partners. Reviewed collection reports determining status of collections and amount of outstanding balances.

•

• Examined, evaluated and process loan applications. Prepared financial and regulatory reports required by laws, regulations and

• boards of directors.

Approved, rejected and coordinated approval and rejection of lines of credit and commercial, real estate and personal loans.

•

• Submitted delinquent accounts to attorneys and outside agencies for collection. February 2023 - June 2023

Evaluated loan applications and determined appropriate action based on

• company guidelines.

Provided support to customers throughout the entire loan process from application to closing.

•

Mortgage Underwriter

Chase Bank, Milwaukee, Wisconsin

Owner/Sales Manager

Mortgage Central Inc., Milwaukee, Wisconsin

• Pre-Underwrote the file and gathered documentation from borrowers. January 2010 - November 2022

Evaluated potential exceptions based on extenuating circumstances using

• sound judgement skills.

Ensured full compliance with all applicable laws including RESPA, TILA, HMDA, FHA, VA.

•

• Compiled, verified and typed application information for mortgage loans. Analyzed risk, calculated income, connected with sales and processing to ensure

• a smooth and timely closing experience.

• Worked as an underwriter in Loss Mitigation, First Mortgage, and Home Equity. April 2003 - December 2009

Developed and pursued pipeline of new business opportunities, expanding partnerships and presence.

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• Managed customer accounts and customer relationships. Analyzed sales data to identify trends and make recommendations for improvement.

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• Managed 10 loan officers.

Bachelor of Science (B.S.) in Business Administration - Finance University of Wisconsin-Milwaukee, Milwaukee, WI, US EDUCATION

May 1991

CERTIFICATIONS

• NMLS ID 1114466

References available upon request

REFERENCES

Contact this candidate