Brad Howard

*** *** ****** **** ****, IL *****

773-***-****

adwq0l@r.postjobfree.com

EXPERIENCE

****-******* ****** ********* ********* Chicago, IL

Professional Liability Insurance Broker

Technical Assistant

•Responsible for submitting new and renewal application for professional insurance coverages.

•Responsible for submitting new and renewal insurance binders, quotes and policies ensuring all documents meet company requirements.

•Communicating new documentation to third party insurance carriers.

•Responsible for ensuring all accounts are correctly updated in company database.

2020-2022 JP Morgan Chase Bank Home Lending Downers Grove, IL

Banking and Financial Services Company

Senior Credit Underwriter IV with Self-Employed Designation

•Completed underwriting procedures for purchase and refinance transactions for conventional automated underwriting systems (DU and LP) and portfolio mortgage loans to include reviewing loan applications, gathering and documenting credit and income information for salaried and self-employed individuals.

•Performed review of applicant’s credit report and income documentation in determining applicant’s credit worthiness.

•Worked closely with Home Lending Advisors and Customer Care Specialists to provide prompt and quality service and communicated to same regarding status of loan decisions and information required to make final decisions.

•Maintained target loan hotlist adhering to the company’s required turnaround times.

•Reviewed resubmission files to clear tracking items needed for final sign off.

•Issued final review decision upon receipt of all requested tracking items.

2018-2020 West Suburban Bank Aurora, IL

Banking and Financial Services Company

Loan and Credit Underwriter II

•Perform under writing procedures for Home Equity Installment Loans (HEIL) and Home Equity Lines of Credit (HELOC) for the purpose of refinancing current first and second mortgages, including reviewing loan applications, gathering and documenting credit and income information.

•Perform underwriting procedures for the purpose of new and refinancing Auto loans and VISA credit card applications.

•Establish qualifying loan amounts for mortgages and auto loans and establish qualifying credit limits for VISA credit applications.

•Review applicant credit report and income documentation to assist in determining applicant’s credit worthiness.

•Review property appraisals and title commitments to verify sufficient collateral, property ownership and lien position.

•Communicated with Mortgage Bankers and Loan Processors regarding status of decisions and information required to make final decisions.

•Answered general underwriting questions for loan processors.

2014-2018 BMO Harris Bank Naperville, IL

Multinational Banking and Financial Services Company

Residential Mortgage Underwriter II

•Perform underwriting procedures for consumer loans for U.S. and Canada borrowers, including reviewing loan applications, gathering and documenting credit and income information.

•Review applicant credit report and income documentation to assist in determining applicant’s credit worthiness.

•Communicated with Mortgage Bankers and Loan Processors in regards to status of decisions and information required to make final decisions.

•Answered general underwriting questions for loan processors.

•Desktop Underwriting and Loan Prospector familiarity.

•Consistently exceeded daily and monthly production goals.

2013-2014 Cole Taylor Mortgage Chicago, IL

Mortgage Lender

Residential Mortgage Underwriter II

•Perform underwriting procedures for consumer loans including reviewing loan applications, gathering and documenting credit and income information.

•Review applicant credit report and income documentation to assist in determining applicant’s credit worthiness.

•Communicated with Account Executives and Real Estate brokers in regards to status of decisions and information required to make final decisions.

•Authorized to approve loans up to $1,000,000.00 within guidelines based on documentation requirements.

•Answered general underwriting questions for loan processors and originators.

•Desktop Underwriting and Loan Prospector familiarity.

•Consistently outperformed daily and monthly production goals.

2011–2013 HSBC Elmhurst, IL

Multinational banking and financial services company

Technical Writer

•Research customer and regulatory inquiries to determine mortgage was underwritten correctly at the origination of the loan.

•Ensure regulator and customer inquiries and complaints are resolved with corresponding business units.

•Respond to regulatory and customer correspondences in correlation with research results.

2008-2011 HSBC Elmhurst, IL

Multinational banking and financial services company

Residential Mortgage Modification Underwriter

•Performed income calculations, reviewed appraisals and titles to ensure within program parameters.

•Perform modification procedures for accounts as assigned to determine customer’s eligibility under the Foreclosure Avoidance Program guidelines.

•Review applicant’s files, gather and document income and other required information to perform modification processes to determine program eligibility.

2005-2007 ResMAE Mortgage Corporation Schaumburg, IL

Mortgage lender

Wholesale Residential Mortgage Manual Underwriter II

•Performed underwriting procedures for sub-prime consumer loans including reviewing loan applications, gathering and documenting credit and income information.

•Communicated with Real Estate brokers in regards to status of decisions and information required to make final decisions.

•Communicated with Account Executives and Operations Team Manager to advise status of files in pipeline and potential loan closings.

•Averaged 10-14 underwriting decisions daily.

•Averaged $5 million to $10 million in loan closings for previous 12 month period.

2003-2005 HSBC Elmhurst, IL Multinational banking and financial services company

Fully Qualified Residential Mortgage Underwriter

•Perform all underwriting procedures for consumer loans including reviewing loan applications, gathering and documenting credit and income information.

•Review applicant credit report and income documentation to assist in determining applicant’s credit worthiness.

•Communicated with managers and account executives to review loan decisions.

•Communicated with Unit Manager in regards to achieving daily goals.

•Averaged 18-25 underwriting decisions daily.

MILITARY

1990-1993 U.S. Army

Specialist 4

Basic Training Fort Leonard Wood Missouri 1990

Advanced Individual Training, Redstone Arsenal Alabama 1990

2nd Armored Calvary Regiment, Nuremberg, Germany 1990 to 1992

Operation Desert Shield, Operation Desert Storm, Saudi Arabia and Kuwait

39th Ordinance Battalion, Fort Ord, CA, 1992 to 1993.

Honorable Discharge, 1993

Awarded the Army Service ribbon, National Defense Service Medal. Sharpshooter badge with Rifle and Grenade component, Southwest Asia Service Medal with Three Bronze Service Stars, Kuwait Liberation Medal, Army Achievement Medal, Overseas Service ribbon, Valorous Unit Award

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