Experience:

Benchmark - Underwriter. January **** / Morgan Stanley Private Bank-

Assistant Vice President. January 2019/2020

• Underwrite complex jumbo and/or non-conforming loans for high net worth clients • Perform complex income / tax return analysis • Approve loans within credit authority and in accordance with policy and culture • Proactively manage assigned pipeline • Assist in identifying or recommending alternative loan solutions • Ensure data accuracy • Manage quality control errors to below 5% • Private bank experience

• Proven background with Self-Employed borrowers • Underwriting non- conforming loans • Structuring and underwriting loans held in entities i.e. LLCs and Trusts • Pipeline management • Current knowledge of underwriting and credit risk principles • Strong knowledge of unique property vesting i.e. trusts and LLCs • Complex self-employed income analysis • Excellent verbal and written communication skills • Extraordinary client service aptitude • Meticulous follow-up and follow through • Ability to work under tight timelines • Excellent attention to detail.

First United Bank / TMS - Senior Jumbo,Correspondent Underwriter, June 2012 - 2018

Underwrote loans for high net worth clients• Perform complex income / tax return analysis• Approve loans within jumbo credit authority and in accordance with credit policy and credit culture• Proactively manage assigned pipeline • Assist in identifying or recommending alternative loan solutions• Ensure data accuracy• Manage quality control errors to below 5%.

Experience underwriting Bank Portfolio and Investor jumbo and/or non- conforming loans for high net worth individuals • Bank experience• Proven background with Self-Employed borrowers• Experienced underwriting non- conforming loans• Current knowledge of underwriting and credit risk principles• Strong knowledge of unique property vesting i.e. trusts and LLCs Education

North Lake College, Irving Tx. Realestate Finance. 214-***-****

ad39u3@r.postjobfree.com

RICK NOVAK