James H. Frazee

Lakeville, MN ***** adu0my@r.postjobfree.com 612-***-****

SUMMARY AND KEY SKILLS

12+ years underwriting and underwriting management, 10+ years origination and sales management, pipeline management history, in depth knowledge of credit policies, procedures, principles, complex self-employed income expert Leadership Energetic Operational Efficiency Collaboration Problem-solver Trainer Adaptability Creativity Empathy Tax-Return expert Learner Influencer PROFESSIONAL EXPERIENCE

Loan Depot, Foothill Ranch, CA

Manager/Credit Risk 4/2022 – 9/2022

Created training for complex scenarios including self- employed income, assets base lending, investor transactions, resulting in higher pull through and lower investor suspense rates Collaborated with defect resolution team: achieving pipeline reductions by training decisioning logic skills reducing buy back requests, suspense fees and delivery expenses Provided Operational Governance to underwriting managers Loan Depot, Foothill Ranch, CA

Manager/Non-Conforming Underwriting 1/2022 – 3/2022

Lead staff of eight Underwriters; guiding team to meet productivity and loan quality requirements

Conducted monthly sales and underwriting team meetings resulting in improving team relationships and reducing processing time, increasing customer satisfaction for pre-quals and purchase transactions.

Non-Conforming, Non-QM, Bank statement and DSCR loans, Asset Dissipation A&N Mortgage, Chicago, IL

Underwriting Manager 2/2020 – 12/2021

Managed underwriting team and vendor management

Worked with senior leaders establishing risk tolerance, quality standards, service level agreements

Provided training to sales and processing teams, reducing number of conditions per file by 37% and increasing positive customer feedback by 22%

Managed investor defect pipeline,

Managed overseas vendor contract team keeping turn times down as company achieved record volume

Products managed: Agency, FHA, VA, Non-Conforming, Delegated Non-QM, DSCR, Bank statement, Asset Dissipation, First-time homebuyer, Mortgage Insurance, Flood Ins.

Managed internal and external audit reviews and individual underwriters random audits

Presented quick tips for sales partners as Bi-weekly team meetings Guaranteed Rate, Chicago, IL

Production Manager 09/2018 – 2/2020

Consulting services for sales staff of 10 including the #2 originator per Scotsman's guide in 2018, focused on customer communication, documentation delivery process, investor guides, risk attributes, marketing

Teams 2019 volume grow by 145%

Wells Fargo Home Mortgage, Minneapolis, MN

AVP Underwriting Manager II – Correspondent Operations 01/2009 – 9/2018

Stakeholder and developer of underwriting income/Self-employed/assets and asset dissipation calculation worksheets resulting better consistency and reduced internal audit findings

Lead staff of 20, 10 direct underwriters and 1 team lead, 1 underwriting manager and 8 indirect underwriters

Served as Subject Matter Expert on project team developing client self-employed training material; provided client training both virtually and in person, growing the channels’ overall self-employed percent of the pipeline by 9%.

Designed and produced daily productivity, capacity, and quality reports identifying market trends and insights

Project lead for multiple projects requiring collaboration across departments: Projects included imaging system, task assignment and productivity tools

Trained over 75 internal underwriters on guidelines, business tax returns, income, and asset dissipation calculations

Interviewed, hired, onboarded new team members

Managed daily call with 50+ underwriters, solving, influencing, guiding underwriting process of complex transactions assuring company objective were met and underwriters gained strengths and confidence JDB Mortgage, Minneapolis, MN

President – retail and wholesale mortgage lender 01/2001 – 12/2008

Managed all facets of mortgage manufacturing process, marketing, vendor management, products and pricing, warehouse line of credit, processing, closing, shipping, accounting, 1098 reporting, technology, HMDA Reporting, Sale Recruiting, Sales Management

Loan Products: Agency, Jumbo, Full Doc, Alt-Doc, Bank Statement, Previous experience:

Regional Production Manager, Producing Branch Manager, Originator

Production, Managing, Marketing, Recruiting, Coaching, Branch P&L, Training, Training, Meeting Facilitation Computer and application Skills:

Microsoft Outlook, Excel, Word, PowerPoint, Encompass, Calyx - Point, LPS, FEMA, LPA and DU, Finicity, FormFree, AllRegs Remine, CoreLogic, MI Certs, LexisNexis, Ocrolus, C-Lift, UCDP. Bemidji State University:

1 year of general course studies

Interests:

Volunteer, Coaching, Hockey, Golf, Travel, Family

RECOGNITION

Mortgage Service Excellence 2-time winner

Leadership Excellence 2-time winner

Team Excellence 5-time winner

Top Service Conference winner

Top Producer and President Club

National Sales Committee Member

MN Mortgage Banking Activity committee member

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