Team Lead Des Moines

JESSICA BANNICK

**** ******* ** ****, ** ***** Personal Cell 515-***-**** *******.*********@*****.***

CAREER SUMMARY

Career oriented individual with extensive team lead/management experience and training others utilizing knowledge acquired over 17 years in the mortgage industry, commercial lines insurance and leasing.

WORK EXPERIENCE

WELLS FARGO, WEST DES MOINES, IOWA - REMOTE 5 years

Senior Business Lending Relationship Management Representative – March 2020 - Current

•Work closely with vendors, sales reps, management, credit and funding to build relationships by collaborating with peers and structure transactions for copy machine and computer software leasing. Ensure figures and documents are accurate, work with SOS sites, Dun & Bradstreet, and request all additional information including following up to issue an approval or denial within SLA.

•Cross trained to work on Mid-Atlantic, Northeast and PacWest Teams

•Process rush/escalated requests and have served as backup for Structured Deal Specialists

•Develop Training Materials for a challenging program

•Create cheat sheets for the team to provide efficiency and provide process improvements.

•Use calculations to determine the max borrower payment when MSRP is exceeded as well as in Usury Fail scenarios to ensure state guidelines are followed and all supporting documentation is attached and notated.

•Serve as a main point of contact for certain vendors.

•Assist with training and mentoring new hires and an offshore team.

•Subject Matter Expert for Non-Collateral Equipment and Co-Term add-ons.

•Evaluate problematic transactions to ensure optimal outcomes for vendors and customers.

•Occasionally prepare lease paperwork for vendors.

•Provide feedback to management on monthly audit findings from risk/compliance background.

•Received top performer in the month of January 2021 while maintaining 100% accuracy.

•Received Spotlight Award June 2023.

WELLS FARGO, WEST DES MOINES, IOWA

Operational Risk Consultant – Contract/Temporary Assignment Staffing Agency, Sept 2018-March 2020

•Reviewed loan transactions from beginning to end to determine if customers or our company should be paying the rate lock extension and explained reasoning for decision.

•Contacted branch managers to inform them of errors and amounts due from the branch AU.

•Accepted Permanent Position in Leasing Department

WELLS FARGO, WEST DES MOINES, IOWA

Business Systems Consultant – Contract/Temporary Assignment Staffing Agency, Jul 2018-Sept 2018

•Worked on high priority Customer Impact Transactions (CIT’s and SHRP’s) by performing final quality reviews on work completed by other Business System Consultants.

•Followed Brand Standards and guidelines while issuing checks along with letters and ensured data was accurate and truncated in certain situations.

•Maintained records of feedback on corrections, tracking letters and checks sent out to customers, following up on uncashed checks and assisted the Team SME (Subject Matter Expert) with creating training material.

IMT INSURANCE, WEST DES MOINES, IOWA

Commercial Lines Associate, Feb 2014 – Feb 2018

•Fully trained and released on commercial lines underwriting, renewing and endorsing all Lines of Commercial Insurance including Auto, Business Owners, Workers Comp, General Liability, Inland Marine, Umbrella, Garage, as well as Property policies in a timely manner.

•Reviewed Commercial Lines policies for renewal, making changes if needed and identified and made decisions on non-renewals and cancellations when necessary. Determined renewal premium by adding debit or credits to the policy. Maintained excellent communication with agents.

•Processed new business, quotes and was assigned to a small team in charge of transferring inland marine policies from outdated to updated computer software.

•After 4 years, I decided to go back to the banking industry.

WELLS FARGO, WEST DES MOINES, IOWA

Loan Documentation Specialist 4 - Closer, Jun 2013 – Feb 2014

•Verified employment, processed FHA, Fannie Mae, Freddie Mac, VA and Conventional loans refinances as well as purchases. Followed state-specific requirements and guidelines as well as reviewed loan requirements based on loan type, satisfying all underwriting and closing conditions to prepare instructions to send to title to prepare HUDs for closing/signing.

•Maintained excellent communication with title and lawyers’ offices. Received HUDs for review, balanced final amounts to determine cash to and from borrower, issued final approval and sent out state specific closing documents for signing. Dispersed wire transactions to payoff mortgages, reviewed funding documents after loans closed and funded loans off business system.

•Served as back-up Work Director/Team Lead which included being responsible for team workflow, assigning files to employees to prepare for closing as well as processing rush and escalated files. Completed 2nd level quality reviews on title work, home owners insurance, payoffs and taxes.

•The Military Family Home Loans Branch of Wells Fargo closed down.

Loan Documentation Specialist 3 - Closer, Sep 2011 – Jun 2013

•Maintained excellent communication with home mortgage consultants, processors, underwriters, lawyers’ offices and title companies closing on Fannie Mae and Freddie Mac loans.

•Completed training on NY (Cema) and TX deals as well as being responsible for processing rush files. Job shadowed the underwriting role.

•Reviewed loans for accuracy to ensure all loan documents were valid and within guidelines, confirmed closing dates and times, reviewed title work, calculated and dispersed wire amounts to payoff previous loans, reviewed HUDs for approval or revisions to determine cash to or from borrower before preparing the appropriate closing documents for the borrower to sign.

•Promoted to a Loan Document Specialist 4

Loan Documentation Specialist 2, Jan 2009 – Sep 2011

•Maintained a productivity-based pipeline while reviewing and decisioning Jumbo (over $453k minimum), FHA, Fannie Mae, Freddie Mac, VA and Conventional files in a timely manner to avoid compliance and regulatory penalties. This includes LTV and DTI calculations.

•Assisted manager with developing training manuals, created Excel spreadsheets and completed reports. Received phone calls from HMC’s, processors, underwriters and borrowers. Sent out denial letters to customers on loans I decisioned as well as additional information request letters.

•Assigned loans out to employees. Trained new employees in reviewing/decisioning loans. Cross-trained in the Audit Dept. Received multiple STAR Awards and the Leader Award in April 2011.

•Promoted to Loan Document Specialist 3

Operations Clerk, Aug 2007 – Jan 2009

•Received files in the mail area and created barcodes for the files to be scanned and sent to storage.

•Assisted with ordering files from storage for loan documentation specialists.

•Promoted to a Loan Document Specialist 2

PHEASANT RUN PUB & GRILL, WINTERSET, IOWA

Manager, Jul 2015 – September 2021

•Created employee work schedules, job postings, advertisements, and ordered merchandise. Trained, hired and terminated employees, located and hired entertainment, and organized fundraisers. Paid vendors, balanced cash paperwork, worked with accountant and paid employees. Managed business Facebook page.

•Weekends

•Left to focus on full-time career with Wells Fargo and spend additional time with family.

EDUCATION

CLARKE JR/SR HIGH, OSCEOLA, IOWA

•NCRC Testing Certificate – Gold Level – Workplace Documents Platinum Level

•CERTIFICATE ID: 0645J9HTXJMM ISSUE DATE: Mar 18, 2018

•Microsoft 2000 Word, Excel, Access & PowerPoint Certified

•Certification Training for the Fulfillment Cancellation function of the Fulfillment Advantage Support Team

•Completed Code of Ethics Course

•Completed Speed of Trust & Inspiring Trust

ADDITIONAL SKILLS

•Typing speed: 65 wpm

•Training: 17 years experience

•Time management: 17 years experience

•K.S.P.H. 13,000 with 99% accuracy

•Quality Review & Decisioning: 17 years experience

•Management: 6 years experience

Contact this candidate