NABIL AJAJ

Philadelphia, PA ***** 215-***-**** ad3p80@r.postjobfree.com

Diligent professional with a strong work ethic, possessing well developed customer service and time management skills. Extensive expertise with high-net-worth clientele, adept at managing complex income and financial profiles with commitment to delivering exceptional experiences to every customer. Accomplished training specialist with a proven track record of success in onboarding and mentoring colleagues in mortgage processing, underwriting and closing teams. Passionate commitment to enhancing and cultivating a work environment that is focused on continuous improvement, professional development, and team comradery. Experience

Wells Fargo & Company Philadelphia, PA

Senior Mortgage Underwriter 10/2013 to 12/2023

Assessment and analysis of higher risk level transactions to determine creditworthiness and ability to repay for real estate financing loan applications. Review of pertinent financial documentation including tax returns, personal financial statements, assets and credit. Focus on adherence to policies and procedures, data integrity, manual calculations of required key metrics and compliance with laws, rules and regulations.

Review function of various collateral ranging from standard one to four family and condominiums as well as more complex transactions such as rural properties, cooperatives, excess acreage, mixed use and luxury homes.

Collaboration with various departments to facilitate transactions including risk, quality assurance, national decisioning support, fraud, AML, collateral and compliance.

Responsible for preparing various reports, including pipeline management, quality adherence, and scorecard assessments.

Proficient in identifying, assessing, and reporting suspicious or unusual activity related to anti-money laundering.

Orchestrated upskilling and mentorship of team members by assisting with training via diverse learning formats including classroom workshops, webinars and one on one coaching sessions.

Chosen participant in two selective upskilling programs: Production Manager Essentials and High Potential Management Program, enhancing proficiency in managing high-performing teams.

Served on the Private Mortgage Banking group focused on high net worth clientele requiring sound judgment, risk management and focus on white glove customer experience and execution. Consumer Loan Underwriter 12/2012 to 10/2013

Responsible for reviewing and analyzing consumer requests for products within company and industry guidelines. Preparing credit memos and ensuring sound decisioning logic to provide concise and effective approvals, counteroffers and declinations.

Assisted with the core system upgrade including testing, data integrity and training needs.

Act as a peer mentor and the designated expert on the team for helping others resolve system, procedural and/or policy issues.

Collaborated with cross-functional teams on special projects involving underwriting initiatives.

Identified, assessed, and reported any suspicious or unusual activity related to anti-money laundering. Loan Document Specialist 09/2010 to 12/2012

Preparation and review of credit and collateral loan documentation to ensure accuracy, completeness and first time approval rates for conforming, jumbo and home equity loan applications.

Served as point of contact for customers, title companies, bankers and other third parties to facilitate a smooth and consistent customer experience with a focus on quality control assurance and efficiency.

Offered exceptional support and efficiently managed pipeline to ensure optimal service for mortgage consultants and clients. C Site Financial Corp Philadelphia, PA

Office and Underwriting Manager 07/2001 to 07/2010

Responsible for day-to-day operations and management of the mortgage processing and underwriting department servicing the retail channel. Ensure efficiencies through proactive pipeline management, financial analysis, budgeting and forecasting.

Implementation and maintenance of procedures for the processing, underwriting, closing and post-closing departments with a focus on quality control, investor relationships, pre and post-closing operations.

Involved in negotiations of key organizational concepts. Handle all customer issues and complaints as well as being the primary contact for state and federal regulatory agencies. Education and Training

Bachelor of Science: Accounting and Business Management Beirut Arab University