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Mortgage Loan Underwriter

Location:
Illinois
Posted:
October 11, 2019

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Resume:

**** ***** ****** 219-***-****

Gary, In ***** adakii@r.postjobfree.com

Emmett P. Burleson

Objective Mortgage Lending: Seek a financial institution that offers an opportunity in Mortgage Loan Underwriting. Desire Consumer, Residential or Home Equity loan underwriting and administration combined with potential management responsibilities.

Summary of Experienced 27-year Banking professional. Committed, highly effective

Qualifications leader with excellent written and verbal communication skills. Successful, proven lender that has grown in management responsibility for four financial institutions in three states. Classic self - starter with well developed analytical skills, and professional integrity.

Education Indiana University, College of Business and Economics, December 1982. Bachelor of Science - Business Administration

Marketing Major: Emphasis on retail sales and consumer behavior

American Management Association -” The Management Course” 1994-1995. AMA’s premier business course for corporate executives.

American Banker’s Association - National Consumer Credit School - University of Oklahoma 1989. Graduate of in-depth curriculum covering all aspects of Consumer Loan Management.

Community Bankers of Illinois - Commercial Lending Institute - May 2008 . Graduate of three-day institute focusing on producing and managing a quality commercial loan portfolio. Financial ratio, cash-flow analysis and loan structuring were covered in depth.

Professional

Experience Combined Insurance ( Aug. 2016 to April 2017)

Sales Representative

Licensed Life Insurance Producer. Responsible for managing existing customer relations while developing new business in the greater Northwest Indiana service market.. 100% approval ratio in submitted applications.

GSF Mortgage Corp. ( Feb. 2016 to April 2016 )

Mortgage Loan Officer

Loan Originator capacity. Responsible for establishing relationships and creating name recognition in the Northwest Indiana market. Successful in arranging referral programs with four (4) Realtors in three (3) different cities in the primary zip-code target area.

American Financial Network ( Sept. 2015 to Jan. 2016 )

Mortgage Loan Officer

Loan Originator capacity. Primary accomplishment is the establishment of a regional relationship with HUD/USA. Responsible for securing financing for HUD homes in Indiana counties of: LaPorte, Gary (West Lake), Gary (East Lake), and Crown Point (primary outlet). Programs results were 8-leads since inception (11/30/15) with a total of $1,572MM in mortgage loan leads.

Highland Community Bank - Chicago, Illinois (2003- 2011)

Vice President / Consumer Loan Officer

Senior officer responsible for the day-to-day and strategic direction of: the consumer loan function (including originating and underwriting and supervision of Jr. Lenders), the retail banking branch network, fraud and security units, BSA compliance, and the credit administration area. Seasoned manager that is experienced in all facets of Consumer Loan Management and Administration. Responsible for regulatory loan compliance, loan related call report preparation, HMDA monitoring, management of FHLB collateral line, and development and implementation of all loan related polices and procedures.

Shore Bank - Chicago, Illinois (1999-2003) Vice President - Retail Lending Group Manager - Manager of $34MM consumer loan operation including: Direct, Indirect, Home Equity, Credit Cards, Residential and Multi Family Mortgage Loans. Successfully grew loans outstanding 37% in 26-months, while maintaining acceptable delinquency and loss levels. Average 20% total loan growth from apartment buildings and Church loans. Effectively implemented risk based pricing for all loan types. Credit Counseling seminars graduated #100 attendees in 2001 through affiliation with the Church and Community Relations Division.

The Loan Store Inc. - Michigan City, Indiana (1996-1999) Regional Manager - Sr. Officer capacity for newly formed finance company subsidiary of Horizon Bank. Responsible for entire scope of company’s day to day operation. Personally wrote and implemented all company loan policies, standards, and procedures. Successfully grew branch office network to four facilities, and $10MM in consumer loan originations in 30-month period. Managed all site selections and lease negotiations, also responsible for hiring and training of all branch managers.

Horizon Bank - Michigan City, Indiana (1988-1996) Retail Loan Officer - Held several lending positions including: Collection Manager, Indirect Lending Officer, Consumer Loan Manager and Residential Mortgage Loan Officer. Extensive prior experience in all phases of loan administration and underwriting with proven portfolio performance results. Major accomplishment includes obtaining certification for bank and self as FHA/HUD approved mortgage lenders.

Household Finance Corporation - Illinois (1983-1988) Regional Loan Underwriter - Responsible for underwriting all consumer installment and revolving loan applications for the states of Indiana, Kentucky, and Minnesota. Managed pipeline of #700 average loan decisions per month. Previous Branch Manager for offices in Palatine Illinois, and Cincinnati Ohio. Successful completion of Branch Manager Training Program.

Computer Skills Proficient with all Microsoft applications (Word, Excel, Power point). Strong with Fiserv and Integrated Bank Technology core processing systems (including on- line banking module). System administrator for Harland Financial applications (Laser Pro Lending and Deposit Pro retail platform systems) .

Affiliations Member Chicago Fannie Mae Community Advisory Panel (2000). Appointed by Mayor of Michigan City to serve as Public Housing Authority Commissioner and Vice Chairman.(1994-1999). Certified diversity trainer through the American Institute on Diversity Management (1999).

References Furnished upon request



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