PROFILE

Senior lender with over ** years of general management experience in sales, finance, and operations. Demonstrates initiative in solving problems and adapts readily to new and changing work situations. Detailed oriented with excellent organizational and follow through skills. Successfully works independently with little or no supervision. Proven skills in coaching and developing staff to improve performance. Computer skills include Microsoft Word, Excel, and PowerPoint.

PROFESSIONAL EXPERIENCE

US Bank, Cincinnati OH

Underwriter II Home Mortgage 2016-2022

Analyzing and verifying loan applications evaluating financial risks and making final decisions on eligibility for applicants.

Number 3 Underwriter for 2021, for entire mid-west region, in excess of 1,000 loans.

Requested to be in a video for US Bank to explain all attributes of a successful mortgage underwriter. This was used to entice internal candidates to move to underwriting.

Underwrote mortgages for Fannie Mae, Freddie Mac, portfolio files Fannie Mae, Freddie Mac special products, as well as Wealth management products. With preforming cash flow for investment properties and cash flow the business to verify business income and investment income

Citizens Bank, Cincinnati OH

Underwriter II Home mortgage 2011-2016

Analyzing and verifying loan applications evaluating financial risks and making final decisions on eligibility for applicants.

Ranked among top Underwriters, reaching #2 in 2015 and #3 in 2014.

Underwrote mortgages for Fannie Mae, Freddie Mac, portfolio files Fannie Mae, Freddie Mac special products. . With preforming cash flow for investment properties and cash flow the business to verify business income and investment income

Site Manger recruited me to follow him from Citizens Bank to US Bank, year after he took his new position at US bank.

Aerotek (5th 3rd) Cincinnati Ohio

Fifth Third Bank Consumer Credit Risk Operations; Madisonville 2010-2011

Facilitate the repurchase department in underwriting findings and loan support,

Present a monthly sample to Freddie Mac to assess 5th 3rd NAQ rate.

Obtained missing documentation or alterative supporting documentation for mortgage loans, and present findings to Freddie Mac, Fannie Mae, and other mortgage investors.

Scrub non-performing and performing mortgage loans for sampling at Freddie Mac and Fannie Mae.

Review closed loans to see if underwriting guidelines were followed.

FIDELITY INVESTMENTS, Covington KY 2008 – 2009

Senior Financial Operations Associate

Managed and paid out clients’ retirement portfolios on corporate non-qualified plans (42 plans for 39 clients)

Paid out retirement funds to highly compensated participants (HCEs) per client request in a timely and efficient manner, verifying all transactions were 409A compliant. Processed over $100M in payouts to participants during first month of 2009.

Compiled daily custom reports for clients that consisted of payout computations reflecting participants’ retirement activity, allowing client / Fidelity to make payout decisions and process transitions accurately.

Maintained / updated nonqualified retirement plan procedures as requested by client, adding procedures into electronic document management system; allowed clients to structure plans according to their needs and in compliance with legal standards.

Analyzed plan election data for participants within all client plans to identify errors in future election payouts; consulted with client and/or client-facing department to resolve potential errors in participant payouts, ensuring that plans were in compliance and met client needs.

US Bank, Cincinnati OH 2000 – 2007

Operations Manager, Direct Lending 2006 – 2007

Managed a team of eight mortgage and installment loan underwriters

Oversaw the underwriting of installment loans for 1200 locations within eastern region as well as mortgage loans for over 400 locations, ensuring that underwriting was timely and in compliance. Team consistently rated above department average on timeliness and efficiency in processing documentation.

Underwrote installment / mortgage loans, averaging 70 loans/day, with full exception authority up to $75K, consistently exceeding quality scores.

Resolved escalated issues from regional / district managers related to loan applications that warranted review outside normal underwriting guidelines, limiting the bank’s exposure to questionable loans.

Created user-friendly job aids that explained underwriting guidelines for installment loan products and services; enabled senior branch personnel to better understand and explain products /services to customers.

Senior Credit Analyst, Direct Lending 2002 – 2006

Reviewed and decisioned mortgage and installment loan applications; assisted supervisors with loan decisions as volume dictated

Provided loan underwriting support for over 100 branches by approving loans, answering questions, and resolving loan-related issues; consistently top in loan production that exceeded required quality standards.

Mortgage Loan Originator, Consumer Finance 2000 – 2002

Solicited customers for mortgage loans

Reviewed and analyzed loan application turndown reports for over 250 branches, facilitating alternate loan solutions for higher credit risk customers; maintained over $500K sales/month.

Aames Funding Corporation; Cincinnati OH 1999 – 2000

Sales Office Manager

Managed a sales office with staff of three loan officers and two solicitation operators

Analyzed risk of loan applications and rendered credit decisions, underwriting average of $750K/mo.

Designed Excel spreadsheet to track progress of monthly sales goals, making it easier for senior management to review sales results.

Coached staff to enhance performance, resulting in well-trained and proficient employees that were able to increase their loan production.

National Mortgage Funding, Cincinnati OH 1997 – 1999

Sales Office Manager

Managed a sales office of 15 loan officers and four solicitation operators

Coached loan officers on mortgage products and facilitated classroom training on operating procedures; resulted in higher levels of sales due to better performance.

Originated conforming / non-conforming mortgage products, meeting minimum fee requirements of $5K/month.

Steinbergs, Cincinnati OH 1995 – 1997

Assistant Manager

Managed ten employees in highest producing store in area; ordered daily inventory; maintained individual performance as top in sales to maintain position as assistant manager

EDUCATION

University of Cincinnati; Cincinnati OH

A.S. Degree – Business

Northern Kentucky University; Alexandria KY

A.S. Degree – Business Administration

Contact this candidate