Processing Partners Closing Manager

Tim Dewey

Credit/Lending Management

**********@*****.*** • 612-***-****

LinkedIn • Stillwater, MN 55082

Growth-focused and highly analytical professional with diversified experience overseeing credit granting processes and performing regulatory standards to achieve high standards of performance. Skilled in implementing continuous improvement of all aspects of business procedures and quality management systems to enhance growth. Adept at optimizing sales and reducing bad debt losses by maintaining credit policies as well as creating credit scoring models for risk estimations. Team player to drive value-add activity in acquisitions team for delivery of analysis. Articulate communicator with the ability to negotiate terms of the loan and build relationships with all levels of management and organization.

Areas of Expertise

Mortgage Lending & Finance

Credit & Financial Analysis

Leadership & Development

Recruitment & Talent Acquisition

Strategy Planning & Execution

Credit Risk Management

Cross-functional Collaboration

Complex Problem Resolution

Process Improvement

Professional Experience

Lakeview Loan Servicing – Coral Gables, FL 2021 – Present

Underwriting Manager

Increase supplementary lending authority for self-development and company requirements by training and upskilling team underwriters. Play key role in project with senior leadership for developing other loan products and options for non-qualify customers agency loans. Partner and create updated scorecards utilized for various test case reviews. Assist in creating metrics for goals used for year-end evaluations. Discuss progress and goals by conducting regular one-on-one meetings.

●Supervised and managed 14 underwriting individuals to streamline run times in line, and ensured team understands department goals and role in attaining business objectives.

●Executed 2nd Mortgage product and performance metrics, such as checklist.

Bank of the West – Phoenix, AZ (Remote) 2020 – 2021

Underwriting Manager, AVP

Acted as key person for training and supervising underwriting staff. Ensured compliance with best-in-class customer service standards by providing robust solutions of operational problems. Established and evaluated performance objectives for underwriting team. Delivered quality service standards by communicating regularly with multiple partners to assure loan structures. Enhanced processes by presenting and recommending new policies and procedures. Reviewed all concerns and solve issues by implementing meetings with processing partners.

●Supervised underwriting team of 10-12 persons for balancing growth and credit quality aims.

●Steered various underwriting authority operations with worth of $2M.

Bremer Bank – Lake Elmo, MN 2018 – 2020

Mortgage Underwriting Manager

Served integral person by coordinating with credit manager, operations manager, processing and closing manager to regulate policies and processes. Managed effectively escalations from partners and created exceptions when necessary. Developed quality standards for underwriting by collaborating with quality control manager. Assisted guidelines implementation with credit manager on portfolio product. Executed production and quality standards for year-end performance evaluations.

●Ensured in-line execution by directing up to 19 UWs and collaborating with sales, processing, and closing partners.

●Headed short-staffed underwriting team for managing record funding year for bank.

Wells Fargo Home Mortgage – Minneapolis, MN 2012 – 2018

Area Underwriting Manager Twin Cities Metro Area

Arranged and managed all operations for underwriters, including area’s pipeline, sales relationship, dispensation, underwriting, closure, and capacity. Accomplished and exceeded funding goals by partnering with area team determining best sales practices, processing, closing, and underwriting teams per month. Oversaw escalations from sales and processing along with processes for strong loyalty results. Directed area concluded National Simple Path pilot for shortening turn times for loan officers, processors, and underwriters, as well as contained for home loan processors getting underwriting authority to sign off on circumstances. Supervised and managed hiring of several new underwriters for site.

●Partnered with diverse personnel, such as area manager, area processing manager, and area closing manager from twin cities metro, involving of 8 branches and 125+ home mortgage consultants.

●Directed 14 underwriters and achieved 2 top 20% scores 2015 Q12 Score of 4.57% and 2016 Q12 Score of 4.55%.

Additional Experience

Team Lead/Consumer Loan Underwriter 3, Wells Fargo – Minneapolis, MN

Team Lead/Consumer Loan Underwriter, Wells Fargo Auto Finance – Minneapolis, MN

Senior Loan Officer, Mortgage One – Eagan, MN

Education & Credentials

Bachelor of Arts in Communication

University of Wisconsin – Stevens Point, WI

Professional Development

Urban Adventures (2018)

Resolved urban issues and concerns, as well as assisted knowledge gain into programs to reduce poverty, revitalize neighborhoods, improve schools, and develop employment.

Affiliation

Committee Member & Participant, Toastmasters International

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