BARBARA HEINECKE

**** * **** ** ******* AZ ***** 480-***-**** adwok1@r.postjobfree.com

OBJECTIVE

To obtain a position that would utilize my leadership skills along with my interpersonal skills, for the development of the organization. SKILLS & ABILITIES

– Microsoft Office products ( Word, Excel, PowerPoint), Explorer, Chrome, Edge, Outlook, AS 400, CLUES, EDGE, StatusMart, Captiva, VLF, IPortal, Policy and Procedure portal, SharePoint. Ability to create and design websites. Empower, CMD, Sharepoint. Radar, Point

EXPERIENCE

SR Underwriter, Union Bank- MUFG- Now US Bank Dates 9/2016 – 12/2019 and 11/2020 to Present San Diego, CA

– Manual Underwriting, Portfolio lending, Non-QM authority $2 Million

– Responsible for reviewing, analyzing, making credit decisions and underwriting loans originated through Wholesale/Retail. Loan amount up to $5 million

– Communicating with residential lending sales, brokers, customers and operations staff regarding non-loan origination activities such as loan decisions, conditions, scenarios to restructure, and underwriting guidelines

– Excellent Quality less than 1% defect rate and in top 5% on production. Quality Assurance Auditor IV, Union Bank- MUFG Dates 12/2019 – 12/2020 Brea, CA

– Performs timely audit of loans selected for QA (residential and consumer reviews to evaluate, analyze and assess risk, to ensure adherence to policies and procedures, to detect the potential of fraud, and to detect errors and omissions in the underwriting, processing, and closing functions.

– Analyze title, appraisal, credit, assets and re-calculate income to ensure no discrepancies or delinquencies

– Responsible for Auditing limited review and full files, AU and DU loans.

– Underwrite files during high demand times in retail. Manual underwriting.

– Assist in small business on PPP project underwriting business loans. VP Unit Lead, Bank of America Dates 1/2013– 3/2016 Chandler, AZ

– Worked in collaboration with the regional or channel fulfillment leaders in attracting, retaining, and developing a highly talented production team.

– Responsible for the strategic direction and management of the overall business process of a medium sized Fulfillment Center with an average of 70 associates. 2

– Lead multiple managers, loan fulfillment center processing, underwriting, and closing team leaders. 10-12 associates per team.

– Responsible for executing processes designed to achieve the business strategy and world class customer service. Monitors performance trends and makes suggestions to the process owner to improve efficiency and customer service.

– Create specific action plans to drive consistent performance across all teams.

– Comprehension of guidelines; understands, and interprets regulations

– Provide direction and support to staff in product guidelines, underwriting and system related issues.

– Compile and complete numerous reports for senior management, Via SharePoint and Excel.

AVP, Team Lead (Underwriting and Processing), Bank of America Dates 11/2006– 1/2013 Chandler, AZ

– Able to manage several things at once (multitask), and deliver on time, excellent time management.

– Highly adaptable to change, and able to deliver in positive way.

– Audit files for quality ability to identify risks, assess risks, and correct issues. Deliver excellent quality.

– Provide direction and support to staff in product guidelines, underwriting and system related issues.

– Train processing/underwriting staff

– Hire (interview), manage overtime/ schedules, organize schedules and other manger related duties.

– Collaborate with senior management to carry out objectives.

– Strong process improvement skills have improved several different teams at measurable levels.

– Strategic planning and analytical skills. Ability to formulate and implement strategies and solutions.

– Deliver excellent customer service along with teamwork skills. Ability to develop staff to have excellent customer service as well.

– Excellent communication skills, both written and verbal. Able to deliver PowerPoint presentations.

– Leadership skills to manage, develop, and lead 10-15 direct reports, with pipelines of 20-120 loans each.

EDUCATION

University of Phoenix – Tempe AZ– MBA

– GPA 3.87 coursework in business, college accredited by the Accreditation Council for Business. June 2005

MN State University – Mankato– Bachelor of Science Major: Corporate Finance, Minor: Accounting and Business Administrative 3

– AACSB – Accredited by the American Assembly of Collegiate Schools of Business. July 2000

LEADERSHIP

– Business manager of Youth football organization of 3 teams started 2014 to present handle, finances, fundraising, schedules, equipment, personnel issues.

– General Manager 2010-2011 of Semi pro football team, managed finances, website design and maintenance, player personal, contracts and reassignment.