RC

RIC CARPENTER

adyxcf@r.postjobfree.com 952-***-**** Lakeville, MN 55044

** ***** ** ********** ** mortgage credit and lending including: quality control, underwriting, mortgage product guidelines, pre and post audit procedures, non- prime mortgage underwriting, fraud detection, repurchase, TRID requirements, HMDA reporting, various LOS software programs and mortgage Account Executive sales. Ability to work individually and collaboratively as a team. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Other skills include, Eye care consulting, Pharmaceutical Claims, Account Management and Customer Service Management, within the pharmaceutical industry.

Loan Feasibility Assessment

Automated Underwriting System (AUS)

Customer Relations

Loan File Review

Credit History Review

Credit File Updating

Financial History Analysis

Loan File Maintenance

Problem-Solving

Corporate Financial Statements

Attention to Detail

Loan Processing Coordination

Property Evaluation

Income Evaluation

Tax Liability Calculation

LexisNexis Software

Creditworthiness Determination

Complex Problem Solving

Loan Portfolio Monitoring

Customer Service

Verbal and Written Communication

Data Scan Lakeville, MN

Field Risk Specialist/Floor Plan Auditor

Contract

09/2022 - 05/2023

Conducted floorplan audits for major banks, for several different types of collateral. Including auto dealerships, farm equipment, Motorcycles and marine equipment.

Reviewed risk management database reports for compliance and fraud prevention.

Reported findings on risk exposures to senior executives and board of directors.

Lead and executed risk management projects to identify deficiencies and possible corrective actions.

Managed and executed risk management projects to determine deficiencies and appropriate corrective actions.

Supported development and implementation of proactive approaches to address risk, fraud and collection needs.

Reviewed portfolios, identifying risk factors and determined methods to alleviate delinquencies.

Movement Mortgage Minnetonka, MN

Sr. Mortgage Underwriter

06/2020 - 06/2022

Frontline Underwriter on all initial files

Reviewed credit, complex tax returns and bank statements Approved self- employed borrowers

Summary

Skills

Experience

Reviewed title, homeowner's insurance and all credit aspects of the file Trained in Conventional and FHA loans

Reviewed all remaining conditions for final approval and issued final approval

Top producer with clean audit reviews.

Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations. Requested additional information and documents from borrower to help determine loan risk

Assessed financial information to determine borrower's making of future payments.

Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.

Summit Mortgage Corp Plymouth, MN

Sr. Mortgage Underwriter

05/2019 - 06/2020

Thorough evaluation of credit and property documents Identify potential risks and provide the appropriate decision on the loan file

Consistently provide exceptional customer service to both internal and external staff

Work with several investors to ensure purchase quality Accurately calculate income

Perform timely review of all resubmitted conditions. Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations. Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.

Marketplace Home Mortgage Edina, MN

Sr. Mortgage Underwriter

10/2015 - 01/2019

Responsible for all aspects of credit decisions

Approved or denied mortgage loans

Followed Industry guidelines

Evaluated acceptability of loan corporations that buy real-estate loans on secondary mortgage markets

Review of income via bank statements and tax returns Worked with several investors to ensure purchase of quality loans Review underwriting exceptions and scenarios

Consistently provide exceptional internal and external client service Trustone Financial Credit Union

Plymouth, MN

Underwriting Team Manager

10/2014 - 10/2015

Functions include daily oversight of pipelines to maintain consistent turn times

Review response and curing of QC/Self-test findings and ensuring regulatory compliance

Supervised and monitored team productivity by observing daily activities Ran management meetings on a weekly basis

Conducted regular employee performance evaluations to offer constructive feedback and solutions to propel improvements and growth. Solved problems, handled escalated issues and mitigated risks. Oversaw daily workloads and workflow for smooth operations. Delegated work assignments and prioritized tasks.

Initiated training sessions and coached employees to develop effective staff.

Motivated team members to consistently achieve or exceed performance expectations.

Bell, State Bank & Trust Edina, MN

Conventional Marketing Quality Control

Auditor

06/2011 - 09/2014

Underwriting, regulatory compliance, fraud fair lending and servicing Examine overall loan documentation along with system documentation of unusual, complex and high-risk transactions identified with deficiencies Provided feedback to Underwriters including identification of red flags and inconsistencies

Using investor guidelines to ensure quality

Responsible for HMDA reporting

Highlighted compliance issues for management team. Outlined standardized procedures for company inspections and process reviews.

Conducted tests on product samples and recorded results. US Bank

Underwriter

04/2009 - 06/2011

Approved Mortgage loans following company standards Reviewed and evaluated information on mortgage loan documents to determine If buyer, property and loan conditions meet established standards

Recorded loan rejection specifying investor and institution guidelines and basis for application, such as cash reserves.

Aames Home Loans Plymouth, MN

Account Executive

04/2007 - 04/2009

Achieved 250% of sales goal in first month

Worked with operational team members daily

President's award winner

Prospect mortgage brokers

Obtain completed broker applications from new brokers Solicit new loan submissions from assigned mortgage brokers Provide on-going service support to mortgage brokers Actively manage the loan pipeline from origination to closing. Cultivated and developed customer relationships to enable sustained revenue growth.

Established and maintained good public relations and networking within community to develop business.

Helped develop marketing materials and ideas to increase referrals. Represented product offerings and platforms throughout assigned territory.

Revived dormant accounts by re-establishing relationships with key decision-makers.

McConnell Business School Minneapolis, MN

Business

06/1991

Hopkins High School Minnetonka, MN

High School Diploma

06/1986

New construction underwriting Training - 2022

Education and Training

Certifications

Contact this candidate