Socrates

Naselaris

*** ***** ****** **

Spencerport, New York 14559

585-***-****

adufkz@r.postjobfree.com

Objective:

I am actively seeking a challenging operations, sales, or consulting position within an organization that possesses a strong regional and/or national scope.

Qualifications Summary: Seasoned underwriter with management background, client loyalty expert with significant knowledge and experience determining client needs, nationwide, across investor functions and quotas. Strategic thinker and developer, refined tactician. Process-oriented, data driven. National team

building experience. Skilled at customer relationship management (CRM), continuous

improvement, and process redesign. Impact player, bottom line results oriented, high achiever.

Skills Summary: Appraisal review, credit and income analysis, cash flow analysis, credit risk

assessment, LTV and debt-to-income ratios, new constructions loans, renovation products,

conventional and government mortgages, conforming and jumbo loans, adjustable rate

mortgages, loan closing, funding, and maintenance of portfolio loans; Encompass platform background.

Work Experience:

Regional Underwriting Manager-National Renovation Product Manager

9/2017 - Present: Guaranteed Rate, Inc, Rochester, New York

Government and Renovation underwriting manager for US Eastern Team Region comprised of 10+ government and renovation underwriters.

Skilled in analyzing renovation FHA 203(k) and Fannie Mae homestyle product guidelines encompassing a variety of subject property types and dispositioning FHA and Fannie Mae renovation mortgage applications within desktop underwriter and loan prospector platforms.

Versed in completing contractor validation within identified renovation project scope

associated with loan applications.

Responsible for holding monthly renovation underwriting guideline briefings with Eastern Region and serving as a national subject matter expert in addition to be a producing underwriter-NOTE: Scope of daily underwriting production requirements also extends into non-renovation retail based files for FHA and Fannie Mae.

Renovation DE Underwriter

6/2016 – 8/2017: HomeBridge Financial/Prospect Mortgage (Merged in Feb.2017), Rochester, New York

Versed in analysis of FHA 203(k) and Fannie Mae homestyle loans; Also versed in analysis

of retail loans across multiple investors to include Freddie Mac.

Skilled in analyzing renovation 203(k) product guidelines encompassing a variety of subject

property types and dispositioning FHA and conforming renovation mortgage applications within desktop underwriter and loan prospector platforms.

Versed in completing contractor validation within identified renovation project scope

associated with loan applications.

DE Underwriter, Lending Officer

3/2013 – 5/2016: Wells Fargo, Pittsford, New York

Responsible for ensuring loan file data integrity of underwriting system approved decisions

by analyzing income, assets, liability documentation derived from credit reports, and

collateral information derived from appraisal reports, with the intent of performing adequate

risk mitigation and affirming approval or recommending declination of pipeline mortgage

applications.

Responsible for reconciling HUD/FHA and conforming lending guidelines, specifically

renovation and property based, with the purpose of determining and documenting

mortgage conditions on pipeline applications designed to meet lender/investor credit

requirements.

Versed in evaluating appraisal reports and analyzing data used by appraisers to arrive at

market values encompassing ‘as is’ and ‘subject to’ market values.

Responsible for reviewing and identifying special conditions, loan deficiencies, and

exception requests to determine appropriate courses of action.

Appraisal Underwriting Manager

11/2012 – 3/2013: STARS-Corelogic, Rochester, New York

Managed a team of appraisal underwriters for primary client PHH Mortgage and other

lenders with responsibilities which revolved around ensuring appraisals received for

pending mortgage applications met appropriate criteria for fortified, risk based market

values.

Responsible for maintaining strong relationships with PHH appraisal review department

and appraisal vendors regarding extenuating circumstances that required analysis of

appraisal reports in lieu of property value disputes which emanated from customers, loan

officers, and sales managers.

Responsible for reviewing escalations for residential appraisals in order to confirm

adherence to USPAP, FHLMC/FNMA, FHA, and PHH lending specific guidelines; Often

tasked with reviewing multiple appraisals on lone subject property with objective of

determining most accurate market value.

Skilled in review of multiple valuation products to include: BPO, AVM, residential/multifamily,

and commercial appraisals; Tasked with mentoring and advising appraisal

underwriters regarding issues pertaining to the selection of real estate comparables, grid

adjustments, and addendum commentary used by appraisers to arrive at property market

values entailed within appraisal reports.

AVP Underwriting Supervisor

5/2011 – 10/2012: JP Morgan Chase, Rochester, New York

Directed team consistently ranked in the TOP 3 (out of 48 teams)

within the Eastern Region in terms of overall decision output of loan submittals, quality of

loan submittals, and age efficiency component of loan submittals in terms of average time

from application submission to subsequent loan disposition.

Responsible for direct interaction with investor representatives participating in modification

program(s) in conjunction with MHA, FHLMC, FNMA, FHA, and USDA/VA.

Hired by Eastern Region Default Underwriting VP to jumpstart modification dispositions

based on proven track record of mastering various investor underwriting and modification

models at Chase and HSBC with an emphasis on generating risk based approvals

intended to prevent foreclosure.

Responsible for demonstrating thorough follow-through with investor representatives from

FHLMC and other investors, loan processors, loan originators, and management peers

across numerous departmental levels to ensure successful processing of modification

workouts and/or settlements.

Modification Underwriter III

5/2009 – 4/2011: JP Morgan Chase, Rochester, New York

Responsible for ensuring modification workouts met internal and investor requirements as

dictated by Chase quality assurance and FHLMC, FNMA, FHA, and USDA/VA.

Responsible for providing finite attention to detail regarding modification workouts

proposed; Evaluated financial capacity of borrowers to determine credit risk and repay

capacity.

Balanced the need for modification volume growth in conjunction with ensuring optimal

underwriting quality to mitigate risk while maximizing departmental profitability.

Leveraged knowledge of modification products to aide in restructuring turned-down loans

into subsequent approvals while maintaining compliance with fair lending laws and

government requirements.

Gained extensive experience in underwriting default portfolio loans owned by FHLMC,

FNMA, VA/USDA, and FHA in an effort to resurrect via modification workout options.

AVP Branch Sales Manager

1/2004 – 4/2009: Beneficial Finance, Member HSBC Group, Webster, New York

Head of business development through marketing, sales, & client retention initiatives;

Responsible for in-house underwriting and approvals/turndowns of applications for

refinancing/cashout purposes.

Refined in recruiting and training sales account executives and sales assistants to

achieve company objectives and quotas.

Versed in cold calling potential clients, affiliate clients, and existing clients in collections

status. Refined sales experience a direct manifest of current managerial position

obtained through superior sales performance.

Refined manager of credit analysis and client underwriting in regards to expanding

client base.-National award winner in multiple sales and achievement initiatives put forth

by Beneficial in regards to sales volume and revenue quotas.

Achieved the second highest loan funding rate (averaged over 1M per month of new

money) for 6 consecutive months among a group of 12 loan finance teams in the

upstate NY region.

Senior Mortgage Consultant

5/2003 – 12/2003: Beneficial Finance, Member HSBC Group, Webster, New York

Solicited mortgage and auto refinance applications through various sources which

included realtors, finance managers, and company provided leads. Resources utilized

included outbound calling, mail literature, and real estate/broker networking functions.

National award winner for mortgage units and new money revenue attained for years

2005-2006. Multiple HSBC award winner for insurance and ancillary sale of products

such as mortgage insurance and life & disability insurance for years 2005-2006.

Solid monthly and annual producer as evidenced by 100-300% of unit and new money

revenue sales quotas achieved for years 2004-2006. The aforementioned lead to

numerous mentoring of incoming account executives, seminar participatory

responsibilities, and subsequent promotion to branch sales manager.

IT Sales Account Executive

12/2001 - 4/2003: Covad Communications, Rochester, New York

Responsible for aiding in the market expansion of Covad Business Solutions via

business-to-business and business-to-consumer digital subscriber line (DSL) and T1

sales through cold calling, company provided leads, and referrals.

Developed business strategy and articulated product concepts for finalizing broadband

sales transactions within national call center (strategy and concepts have since been

adapted by many Covad sales representatives).

Recognized as a premier club performer for averaging nearly 200% of individual sales

quota and billing nearly $1 million in broadband sales since the December, 2001

inception of the Covad-Sutherland Group, LTD business alliance.

Executive Recruiter

3/1998 - 12/2001 Executive Placement Corporation, Rochester, New York

Developed and executed business strategies to expand existing client base and

efficiently achieve monthly quotas through cold calling and lead database management.

Developed marketing approach, identified prospective candidates, identified

opportunities within client base, co-authored strategy for incorporating marketing

activities, conducted client and candidate interviews, and negotiated contracts to

achieve new business.

Penetrated new markets through extensive research of competitors, contacting

prospective candidates, and forging new client relationships. Successfully negotiated

structure, terms, and pricing of multiple contingent and retainer agreements with existing

and new clients.

Identified financial needs and solutions by developing extensive working relationships

with executive officers, specifically chief financial officers, senior level management, and

human resource administrators.

Education

12/1997 University of Nebraska

Bachelor's Degree in Criminal Justice

Additional Info

Notary Public

References:

Available upon request

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