Business Development Customer Service

Thomas Stemn

THOMAS C. STEMN

847-***-**** **** HARBISON CIRCLE MYRTLE BEACH, SC 29579 ******@*******.*** Highly accomplished and results-driven Mortgage Underwriter & Finance Professional with over 20 years of successful new business development, mortgage lending, and underwriting experience. Leverages finely-honed interpersonal and time management skills to successfully manage an account and increase market value achieving corporate goals and objectives. Energetic and goal-oriented with a genuine passion for investment strategy and a well-rounded background in supporting a progressive organization in optimizing performance and growth. Astute communicator and presenter adept at establishing rewarding relationships to benefit business development. Over 10 years retail sales and management experience with an emphasis in a customer service environment.

KEY STRENGTHS

Non-QM Underwriting Strategic Business Planning

FHA & VA Underwriting Risk Management

Portfolio Underwriting Employee Training & Development

Non-Conforming Underwriting Client/Investor Relations

Jumbo Underwriting Sales & Management Experience CORE COMPETENCIES

Highly skilled in creating sound investment solutions, developing high-levels of market growth, and facilitating effective financial management strategies to increase portfolio value.

Proven ability to effectively handle multi-task levels of management responsibility with minimal direction from superiors while supervising personnel, providing team leadership, motivation, training, and development.

Solid communication, interpersonal, time management, analytical, organizational, and leadership skills.

Go-getter attitude with an ability to easily grasp new ideas, concepts, methods and sales techniques.

Experienced in forecasting, account performance analysis, investor relations, market research, financial planning, and networking.

PROFESSIONAL PROFILE

Lowes – Myrtle Beach, SC 11/2022

Appliance Specialist

Provide outstanding customer service to customers seeking to purchase household appliances.

Promoted to Appliance Specialist after 2 months on the job.

Recognized as one of the top producers of extended warranties in the department. HMAC DBA Unite Mortgage – Santa Ana, CA 9/2021 – 3/2022 Senior Underwriter

Underwrote Non-QM, Jumbo, conventional, FHA, & VA loans to agency guidelines.

Provide world class customer service to our sales & business partners. Caliber Home Loans – Coppell, TX 3/2021 – 9/2021

Senior Underwriter

Underwrote Non-QM, Jumbo, conventional, jumbo, & FHA loans to agency guidelines.

Provided training and mentorship to new underwriters. Commerce Home Mortgage – Irvine, CA 9/2020 – 3/2021 Sr. Underwriter

Underwrote Non-QM, Jumbo, conventional & FHA loans.

Provided training and mentorship to new underwriters. NewRez - Fort Washington, PA. 1/2020 – 9/2020

Underwriter IV

Underwrote Non-QM, Jumbo, & conventional loans with an approved credit line of 1,500,000.

Assisted with the training of the current & new processors. Thomas Stemn

PROFESSIONAL PROFILE

FINANCE OF AMERICA - COMMERCIAL Lisle, IL 11/2017 – 11/2019 Underwriter - Commercial

Underwrote Non-Agency/Non QM fix & flip loans with a credit line of 3,000,000.

Underwrote single & multifamily non-conforming properties.

Loans underwritten using asset-based lending principles. HOMEOWNERS FINANCIAL GROUP Scottsdale, AZ 7/2016 – 10/2017 Underwriter - Remote

Underwrote Non-QM, Jumbo, conventional, non-conforming, & FHA loans to investor guidelines. WELLS FARGO HOME MORTGAGE Lombard, IL 11/2009 – 7/2016 Sr. Underwriter V/ Team Lead / Level 4P, 4C, 4F, & 4V

Lending authority of 1.5 million with an aggregate of 3.0 million.

Underwrote loans for Wells Fargo’s Wealth Management group.

Underwrote loans for Edward Jones high net-worth affinity group.

Mentored and provided support for senior and junior underwriters for conventional, FHA, & VA.

Underwrote Jumbo, portfolio, non-conforming, conventional, FHA & VA loans.

Reviewed loans for exception or discretion authority as needed.

DE & SAR designations.

Second level review experience.

Reviewed test cases for employees increasing their authority & new team members. MANPOWER-WELLS FARGO West Des Moines, IA 2009

Contract Underwriter Level 3C

Assumed full responsibility for underwriting A paper loans in a retail environment.

Fully trained and underwrote HARP for Fannie Mae & Freddie Mac.

Mentored and provided support for senior and junior underwriters.

Submitted exception requests and used discretion authority as needed.NTINUED) EDUCATION AND TRAINING

INDIANA UNIVERSITY

COURSEWORK TOWARDS A DEGREE IN BUSINESS

FLUENT IN CONVERSATIONAL SPANISH

PROFICIENT IN MS WINDOWS, OFFICE, ENCOMPASS, LENDING QB, DESKTOP UNDERWRITER, LOAN PROSPECTOR, DATA TRAC, MLCS/AS400, FITECH, HISTORY PRO, LEXIS NEXIS, LIS, CORE, ETC.

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