Customer Service Underwriter
Resume:
Steven T. Gorbet
***** **** **., ****, ** *****
***********@*****.***
EXPERIENCE 5/21 to 7/22 Supreme Lending – Dallas, TX 75254 Senior Underwriter/Conventional/FHA DE Underwriter BOND/Chenoa
Responsible for Underwriting residential FNMA/FHLMC/FHA loans for multiple investors. Worked closely with processing and Sales staff daily to facilitate smooth file management.
9/16 to 5/21 American Financing, Aurora, CO
Senior Underwriter/Conventional/FHA DE Underwriter Responsible for underwriting residential FNMA/FHLMC/FHA loans for multiple investors. Maintain a monthly output of 250+ loans with a repurchase percentage of less than .01%. Work closely with sales and processing staff daily to implement smooth transition of files from approval through closing. 9/07 to 9/16 Elevations Credit Union, Boulder, CO
Credit Risk Underwriting Manager
Responsible for consumer and residential underwriters, implementing policies and procedures within both departments. Member of business loan committee that verified all aspects of applications. Worked closely with all Sales Managers and AVP and VP of Credit Risk, Lending Services, Operations, Compliance, and Pre-funding departments. Excellent problem solving and daily management skills. 4/06 to 9/07 Mountain Range Funding, Westminster, CO Inside Sales/Senior Underwriter/Owner
Responsible for underwriting Subprime, A paper, Alta A, and Option Arm loans. Excellent knowledge of LP/DU guidelines. Extensive daily contact with brokers in eight (8) states, pricing loans and placing them in best loan program. Responsible for ensuring each loan saleable to investors through post-closing and maintaining pricing margins per company guidelines. Responsible for sales presentations to new and existing brokers to facilitate new and ongoing business. Worked closely with business partners and investors to maintain monthly profitability margins. 9/03 to 3/06 South Star Funding, Westminster, CO
Team Manager 2/05 - 3/06
Responsible for implementing policy and procedures through set up, processing, underwriting and closing departments. Monitored daily flow of files within the team. Supervised daily operations staff of 35 people to ensure delivery of monthly closing goals. Worked closely with Territory Sales Managers and Senior Vice President of Denver Operations Center to effectively transition files from Sales to Operations Staff. Responsible for all personnel issues within team such as hiring, performance reviews, training, and ensuring superior customer service to internal and external customers. Consistently met monthly production goals of $30 million with less than 1% repurchase rate.
Team Leader 5/04 – 2/05
Responsible for maintaining and implementing new Wells Fargo business relationships in the Western Region of the United States regarding 2nd mortgages leading into our relationship to develop 1st mortgages. Initiated extensive broker contact, completed minimum 25 pre-qualifications daily, locked loans and assisted in quoting rates. Maintained pipelines for four other high producing account executives with a closing volume of $13-14 million each commission period. Supported account executives by doing pre-qualifications, locking loans, and problem solving with extensive broker contact while providing superior customer service to internal and external customers. Worked closely with Operations and Underwriting to problem solve new and existing files. Sub Prime Underwriter 9/03 – 5/04
Responsible for underwriting Core, Core Expanded, Traditional, Alt A, and EZ doc loans. Managed an average of 8-9 loan underwrites daily, also cleared conditions. Extensive contact with brokers and account executives to problem solve and counter offer files. Maintained excellent audit percentage through guideline knowledge and practical underwriting methods, which helped to maintain profitability for the company. Also maintained daily superior customer service which resulted in several monthly service awards.
EDUCATION 5/1988 William Jewell College, Liberty, MO Associates of Applied Science in Psychology
AFFILIATIONS 1/1973-5/1983 Boy Scouts of America – Eagle Scout SKILLS Encompass, MS Word, MS Excel, Calyx Point, TMO, Goldmine, Outlook, and FHA Connection
BACKGROUND Exceptional high school and collegiate athlete in baseball and track. Received over 20 scholarship offers as hurdler and pitcher. Invited to tryout camp for Cincinnati Reds baseball team.
References available upon request.
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