Manager Mortgage

Scot Krueger

*** ********* ****** ****** ***, WI 53916 920-***-**** adblu4@r.postjobfree.com

Senior Mortgage Professional with more than 16 years experience in representing mortgage corporations originating, processing, underwriting and modifying residential real estate, mortgage loans and home equity loans including obtaining applications as well as coordinating and assisting in the processing and closing of loans.

Summary of Qualifications

Great experience in mortgage and lending environment with advanced knowledge of residential mortgage lending (DU/LP) and with solid knowledge of the local market regulations.

Excellent organizational skills and great ability to multitask.

Exceptional written and verbal communication skills.

Solid interpersonal and negotiation skills.

Proven proficiency in relevant computer applications.

Uncommon ability to build quality customer relationships.

Remarkably detail oriented with a strong work ethic.

Strong sales and customer service skills.

Proven leadership skills and strong integrity.

Excellent math, analytical and time management skills.

Highly motivated and driven to succeed.

Thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies, requirements for FNMA, FHLMC, FHA, VA, USDA, local bonding programs and private investors. Including Quality Control and Fraud Review.

In-depth familiarity with local, state and national laws (e.g. Truth-in Lending, RESPA, Appraisals, AVMs, Titles, etc.)

Uncommon ability to analyze financial information.

Professional Experience

BMO Harris Bank, N.A Brookfield, WI

Bankruptcy Auditor/ Analyst/Contract Work September 2017 to Present

Worked as a liaison between BMO and bankruptcy counsel on a daily basis. Reviewed and responded to any court documents that were prepared by attorneys that were filed within the bankruptcy case, including proof of claims, notice of final cure, objections, motion for relief, post-petition fee notices, etc..

Ensured all the numbers and dates were correct before giving the final approval for the attorneys to file the documents with the court. I accomplish this by conducting audits on accounts in bankruptcy to ensure they were current while accounts were still in bankruptcy status, and determined if any follow up was required.

Conducted researches on payment status, and loan status for credit cards, mortgages, auto loans and personal loans. If disputed, contacted appropriate department to clarify information and send to attorneys.

Monitored payment plans to ensure customers did not default. Took necessary steps to file appropriate actions when a loan defaulted.

Reconciled Corporate Advance systems to ensure fees were appropriate.

Determined if funds/payments could be applied to the account.

Reviewed accounts monthly to ensure that funds are being applied appropriately under the bankruptcy plan.

Reviewed and responded to interdepartmental tasks in a timely matter.

Monitored bankruptcy correspondence and entered notes into the system ensuring appropriate action was taken.

Reviewed and revised bankruptcy procedures as needed.

Trained department employees on bankruptcy procedures.

Assigned daily tasks to bankruptcy staff when needed.

AMERICAN MORTGAGE CORP New York, NY

Remote Post Close Underwriter / TRID Compliance / /Contract Work March 2017 to July 2017

Performed Manual Frontline Underwriting for Conventional/Conforming, FHA, VA, USDA, ALT A, Hard Money loan products for different investors.

Reviewed loan files for completeness and accuracy.

Analyzed credit documents, including, but not limited to, mortgage applications, credit history and income documents, tax returns, title documents, appraisals and all applicable compliance documents.

Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.

Determined and documented loan conditions and communicated requirements and/or decisions.

Identified portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure.

Maintained knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines.

RCH Cable Madison, WI

Senior Retention/Collection Analyst January 2013 to December 2016

Maintained a portfolio of accounts in a way to maximize customer retention and reduce bad debt losses.

Responsible for contacting overdue customers and collected on historical due amount.

Managed the acquisition of revenue/expense data for monthly profitability. Maintaining and updating customers files and database.

Never ranked lower than the top 5% first card service's agents assigned to 30-day collection activities.

Assisted debtors in setting up payment plans to settle overdue balances.

Prioritized, organized, and accomplished daily collection activities

MJK Investing Beaver Dam, WI

Short Sale Manager/Underwriter January 2009 to January 2013

Hired, developed, coached and mentored negotiators, including performance management and salary recommendations.

Reviewed, updated and established new procedures to identify cost/time savings and develop performance standards and productivity measures.

Monitored daily workflow to ensure deadlines are met and problems are resolved in a timely and efficient manner.

Packaged client homeowner’s documents in preparation for submission to lender.

Kept accurate pipeline of open files tracking where the files are in the short sale cycle.

Corresponded effectively with clients (homeowners, real estate agent) via telephone.

Created HUD 1 files.

Ordered and reviewed BPOs and title reports and checked for accuracy.

Escalated and fought for each file if needed by contacting the lender’s CEO or CFO.

Maintained constant follow-up with lenders to maintain and keep up with time frames and deadlines and ensure they are met.

Reviewed, updated and established new procedures to identify cost/time savings and develop performance standards and productivity measures.

Monitored daily workflow to ensure deadlines are met and problems are resolved in a timely and efficient manner.

Wells Fargo/ Contract Milwaukee, WI

Mortgage Modification Specialist November 2008 to June 2009

Reviewed and adjusted collection portfolios to reduce delinquent/problem loans within the framework of the company and/or investor guidelines by spreading financial statements; analyzing credit information; monitoring adherence to terms of agreement; corresponding with customers; skip tracing and restructuring payments plans of problem loans.

Follow up with homeowners for missing financial documents.

Order AVMs and or BPOs.

Software used Filenet, Faxcom, BCS, Workout Prospector, Waterfall, Excel, Word.

Ace Mortgage Funding Milwaukee, WI

Underwriter January 2007 to September 2008

Started out as a originator and processor specialized in FHA manual underwrite files.

Was promoted to underwriter for Freddie Mac and Fannie Mae loans.

Originated and processed conforming, government and sub-prime mortgages.

Collected homeowner’s financial, asset and mortgage information.

Counseled homeowners on their credit.

Reviewed appraisals, payoffs, titles and cleared titles if needed.

FHA manual originator and processing specialist.

Used various automatic underwriting software, (DU, LP, Clues, ex.).

Wisconsin State Lodge Fraternal Order of Police Madison, WI

Call Center Manager November 2005 to December 2006

● Trained and managed 35 employees and achieved significant improvements in their productivity.

● Inspected the work performance of the Fundraising Department.

● Reviewed and created spreadsheets and reports.

● Was responsible for the hiring and orientation of all employees.

● Monitored the performance of staff members according to established standards and conduct performance evaluations.

● Was responsible for conducting annual/quarterly staff performance reviews. Instrumental in staff annual merit increases.

● Provided side-by-side performance observation, to observe the call handling performance of team members to provide immediate feedback on call handling performance and to address questions that may arise.

● Worked with callers to motivate, maintain a team work atmosphere and provide moral support by using the established department values as a guide.

● Responsible for creating employee performance improvement plans to curve caller deficiencies.

1st Metropolitan Mortgage Beaver Dam, WI

Branch Manager June 2001 to September 2005

● Managed a staff of loan officers and processors in the origination of mortgages.

● Developed, coached and mentored loan officers and processors, including performance management and salary recommendations.

● Reviewed, updated and established new procedures to identify cost/time savings and develop performance standards and productivity measures.

● Monitored daily workflow to ensure deadlines are met and problems are resolved in a timely and efficient manner.

Prepared activity and personnel reports, and reports containing information such as occupancy, hours worked, facility usage, work performed, and departmental expenses.

Contacted customers and business, community and civic organizations to promote goodwill and generate new business.

Used various automatic underwriting software, (DU, LP, Clues, ex.).

Maintained my own pipeline and processed all my files.

Underwrote all files before the files were released to the investors.

A Better Mortgage Company Milwaukee, WI

Mortgage Consultant June 1999 to June 2001

Originated and processed conforming, government and sub-prime mortgages.

Collected homeowner’s financial, asset and mortgage information.

Counseled homeowners on their credit.

Reviewed appraisals, titles and cleared titles if needed.

Used various automatic underwriting software, (DU, LP, Clues, ex.).

Conducted all marketing, (direct mail, cold calling, fax blasting, ex)

Underwrote all files before the files were released to the lenders for approval.

Education: Madison Area Technical College Madison, WI

Associate in Applied Computer Science

Accounting, Business Law, Systems Analysis, Systems Design and Implementation, Programming

Fannie Mae, Implications of Bankruptcy Filings on Loan Servicing, Managing the Foreclosure Process, Initiating Cash Disbursement Requests, Home Saver Solutions Network, HomeSaver Advance, Initiating Cash Disbursement Requests using form 571.

Freddie Mac, Home Affordable Modification Program, Using Workout Prospector, Alternatives To Foreclosure, Solving Default Challenges: Foreclosure Timeline, Managing Foreclosures and Adverse Matters, Using Form 104SF.

National Association of Mortgage Underwriters, Certified Mortgage Underwriter in (Fannie Mae, Freddie Mac, FHA, VA, Manual Underwriting, Due Diligence in Underwriting, TRID Compliance.

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