***** *. **** ***** *****, SURPRISE, ARIZONA, ****9

602-***-**** • adq3i6@r.postjobfree.com

DAVID D. MCCALLUM

OBJECTIVE

To obtain a challenging position within an organization that will facilitate professional growth and development.

Accomplishments Ability to work well in a high pressure environment Develop an understanding of procedures and policies to benefit both clients and company

Extensive knowledge with the VA, and Conventional underwriting guidelines Self-motivated with clear goals

EMPLOYMENT

RESI-CENTRAL Tempe, Arizona

Team Lead, Mortgage Underwriter August 2021 to present Role and Responsibilities: responsible for reviewing mortgage applications to ensure clients meet the eligibility guidelines for the approval of a mortgage. Set conditions for clients for further information if anything was missing from the application. Review and clear the conditions as they are received in a priority order to help ensure a smooth and timely closing process. Collaborate with colleagues and answer any questions that they may have to help guide them with the correct information for the client. Responsibilities as team lead: include coaching and developing new underwriters, reviewing guidelines, maintaining quality, leading the non- delegated team to ensure that we meet the goals and close within a timely fashion. Reviewed loans that failed quality control. Completed monthly one on one with team members.

ONE AMERICAN MORTGAGE Tempe, Arizona

Team Lead, Mortgage Underwriter March 2020 to July 2021 Role and Responsibilities: responsible for reviewing mortgage applications to ensure clients meet the eligibility guidelines for the approval of a mortgage. Set conditions for clients for further information if anything was missing from the application. Review and clear the conditions as they are received in a priority order to help ensure a smooth and timely closing process. Collaborate with colleagues and answer any questions that they may have to help guide them with the correct information for the client. Promoted to Team Lead January 1st 2021:

Responsibilities include coaching and developing new underwriters, reviewing guidelines, maintaining quality, leading the purchase team to ensure that we met the close of escrow date. Reviewed loans that failed quality control. Completed monthly one on one with team members. Implemented a date tracker within Encompass to ensure that all management could review and follow the close of escrow dates on all purchases. QUICKEN LOANS, Phoenix, Arizona

Mortgage Underwriter July 2019 to January 2020

Role and Responsibilities: responsible for reviewing mortgage applications to ensure clients meet the eligibility guidelines for the approval of a mortgage product within the Quicken product guidelines and by utilizing the AU Systems. Review documentation and ensure that it was acceptable and not past expiry guidelines.

Set conditions for clients for further information if anything was missing from the application. Review and clear the conditions as they are received in a priority order to help ensure a smooth and timely closing process. Collaborate with colleagues and answer any questions that they may have to help guide them with the correct information for the client. USAA, Phoenix, Arizona

Mortgage Processor I (NMLS –Registered) August 2016 to June 2019 Role and Responsibilities: responsible for processing of mortgage applications to ensure member’s documents are accurate and received in a timely manner.

Maintain relationship with realtors and title companies Communicate with homebuyers the status of their application and any outstanding documents that may be required.

Collaborate with colleagues

Assist in coaching and developing of fellow colleagues Facilitate changes within the organizations framework Advocate for both USAA and members

BMO Harris Bank, Surprise Arizona

Mortgage Banker (NMLS –Registered) September 2015 to August 2016 Role and Responsibilities: responsible for developing new retail mortgage business and achieving individual sales and profitability goals. Actively pursue leads generated through Branch visits and referrals Provide exceptional customer service and advocacy

Prequalify prospective home buyers and advise them on financing alternatives

Provide guidance to customers throughout mortgage application and processing activities;

Analyze customer financial, credit data, and other relevant information to evaluate level of risk

National Bank of Canada, Windsor, Ont.

Personal Banking Small Business Advisor (PBSBA)

Licensed Mutual Funds Representative July 2007 to May 2013 Role and Responsibilities: Identify business opportunities within the market, for all Bank products and services.

Ensuring standards of service and operational quality are applied. Attain sales objectives.

Responsible to ensure, that all mortgage applications meet the criteria under the guidelines of the Canada Mortgage and Housing Corporation. Follow the debt to income ratios as set forth by the Federal Government Ensure loan to value is appropriate

Obtain all credit information and analysis the credit reports for all applicants. Be responsible for the management and renewal of mortgage and investment schedules.

Ensure customer loyalty and customer retention while satisfying all of the latter's financial requirements.

Knowledge of the products and services the Bank offers and understand the benefits for customers.

Ensure that administrative and security procedures are respected. Establish a relationship based on confidence and ensure customer satisfaction by offering customized services.

EDUCATION

Ontario Business College Windsor, Ont.

Honors Diploma in Human Services March 2003 to April 2004 Canadian Securities Institute, Toronto, Ont.

Investment Funds in Canada Course 2011 to 2012

Mortgage Bankers Association –School of Loan Origination MBA Program, 2015

Mortgage Bankers Association-Basic Residential Underwriting Certification 2019

REFERENCES AVAILABLE UPON REQUEST