PATRICK WATSON

**** * ******* **, *******, AZ ***34 518-***-**** adr55o@r.postjobfree.com

Mortgage Loan Processor and Underwriter

Dynamic, versatile manager and operations specialist with years of mortgage processing and underwriting experience. Proven track record of consistently taking initiative and meeting strict deadlines. Highly motivated to learn and understand complex situations and provide sound analytical solutions and recommendations. Expert at implementing processes that improve efficiency; accomplished in all areas of management from beginning to end with keen ability to identify, build, and maintain business relationships. Demonstrated skills that enhance productivity and drive sustained organizational performance. Exceptional technology skills combined with proven ability to drive marketing and sales strategy, manage and nurture talent, deliver sales growth, form strategic partnerships, and successfully implement and oversee complex projects.

AREAS OF EXPERTISE

● Providing Analytical Solutions ● Project Management ● Staff Training & Leadership ● Residential Underwriting Processing ● Sales Technique & Coaching ● P&L Management ● Customer Service ● Salesforce ● Encompass ● B2B & B2C ● Account Management ● Relationship Building WORK EXPERIENCE

Lower.com, New Albany, OH

Processor/Underwriter Purchase and Refinance

November, 2020-Present

Responsible for processing and underwriting residential mortgage loans, including Conventional, FHA, VA and USDA Loans

Manage a pipeline of 20-30 active loan files and supported a team of 50 loan officers

Review the loan files for program qualification and accurate supporting documentation Key Accomplishments:

Promoted to Loan Specialist responsible for Processing and Underwriting

Top 2 performing Loan Processor, Underwriter and Specialist for 18 consecutive months

Specifically assigned to process and underwrite for the #1 loan officer at Lower.com due to the quality and timeliness of completing files

CVS Caremark, Scottsdale, AZ

Account Manager, September 2016 – November 2020

Responsible to manage large corporate accounts, maintaining daily contact to ensure products and services exceed client demands for cost, delivery and performance.

Tracked, monitored and managed account program health while communicating status updates to clients and internal stakeholders.

Facilitate discussions with appropriate stakeholders to institute proactive measures for ensuring that task accuracy and timeliness meet or exceed expectations. Key Accomplishments:

Successfully influence client contract renewals. A client was actively reviewing competitors, but due to my proactive nature and strong commitment to exceed expectations, they signed a 4 year extension.

Achieved top ratings from clients based on completed job performance. Enterprise Rent-A-Car, Scottsdale, AZ

Branch Manager, May 2013 – August 2016

Direct supervisor, motivator, and driven leader to staff of 20 employees at one of Arizona’s largest rental branches

Managed all forecasting and key metric tracking of sales, operations, net profit, employee development, account growth, and customer service execution. This resulted in our branch having the highest operating and net profit in Arizona.

Transformed an underperforming sales team into a successful branch that consistently met and exceeded monthly sales and growth goals.

Responsible for P&L spreadsheets, calculating and increasing profit, and marketing to major accounts.

Market to prospective referral sources including insurance agents, dealerships, collision centers, hotels, and corporate executives.

Key Accomplishments:

Consistent recipient of awards for top performance during my 3.5 years at Enterprise.

Recognition for operational growth by 10% year over year

Received awards for outstanding Customer Service scores EDUCATION

Buffalo State College, Bachelor’s Degree, August 2007 – December 2012