Charles Lederer

LOAN UNDERWRITER

): 952-***-**** *: adyzc6@r.postjobfree.com

: LinkedIn

Top-producing underwriter with a track record of achievements and expertise in underwriting, commercial and business lending, tax analysis, and relationship building, consistently delivering exceptional results and exceeding expectations. Recognized for maintaining a high-quality rating and consistently ranking among the top performers in monthly total loan reviews for demonstrating exceptional performance and meticulous attention to detail. A natural leader and mentor, providing coaching and performing audits to empower and authorize newer underwriters, loan processors, and team members. Exhibit outstanding communication and collaboration skills to ensure smooth loan processing and exceed client expectations.

Loan Underwriting Banking Operations Financial Statement Analysis Credit Assessment Business Analysis

Risk Assessment & Mitigation Portfolio Management Cash Flow Analysis Regulatory Compliance

Relationship Building Policy Exception Handling Problem-Solving & Decision-Making Team Leadership

Client Service & Satisfaction Asset & Wealth Management Investment Banking Cross-functional Collaboration

Career Highlights

Client Experience Enhancement: Established valuable partnerships and fostered relationships with individuals at different organizational levels, which enabled the seamless and efficient progression of loans by obtaining necessary details and documents, thus resulting in a superior client experience and satisfaction levels exceeding 85%.

Compliance & Regulatory Adherence: Achieved a perfect record in meeting required timelines for loan closings, initial review service level agreements, and other review service level agreements, attaining a 100% compliance rate.

Performance Excellence: Attained and sustained a high-quality rating while delivering exceptional monthly loan volume, with audit scores exceeding 90% acceptable, consistently ranking within the top 2 out of approximately 50 in total monthly loan reviews.

Conference Networking & Engagement: Recognized as the Top Underwriter Conference Attendee in 2012 and the Service Conference in 2015.

Professional Experience

Morgan Stanley, Remote January 2022 – May 2023

AVP Ultra-High Net Worth Underwriter

Evaluated risk factors and sanctioned residential mortgage loan applications for clients with $10M household relationships.

Organized comprehensive assessment of personal and business tax returns (1120, 1120-S, and 1065) alongside profit and loss statements and balance sheets through advanced tax analysis using cash flow methodology and income spreads.

Adhered to required timelines for loan closings and other critical deadlines by consistently maintaining a one-day turnaround time for all reviews.

Notable Achievements:

Consistently achieved rolling audit scores above 95% acceptable through keen attention to detail in underwriting.

Successfully outperformed the monthly team average in production metrics.

U.S. Bank Home Mortgage, Richfield, MN January 2018 – January 2022

Wealth Management Underwriter

Evaluated and approved residential mortgage loan applications for individuals possessing a net worth exceeding $3M, applying U.S. Bank Custom Credit guidelines that align closely with commercial and business lending standards.

Managed detailed examination and analysis of tax returns and financial statements, encompassing personal and business filings (1120, 1120-S, and 1065), as well as profit and loss statements and balance sheets using Buker’s Tax Analysis tool to perform cash flow methodology and income spreading.

Notable Achievements:

Demonstrated exceptional attention to detail in underwriting, achieving rolling audit scores above 95% acceptable.

Fostered strategic partnerships across multiple organizational levels, successfully obtaining necessary details and documents, ensuring the smooth and efficient progression of loans while maintaining top-level client experience and satisfaction levels surpassing 90%.

Led the team in overall production, surpassing the next teammate by 25% in review volume units.

Wells Fargo Bank, Minneapolis, MN September 2003 – December 2017

Consumer Loan Underwriter V

Progressed through multiple promotions within the company, assuming various roles, including recent involvement in portfolio lending for clients with deposit relationships exceeding $1M.

Cultivated partnerships and relationships with individuals across different departments to achieve funding and volume targets.

Conducted comprehensive analysis of prospective borrowers’ creditworthiness, evaluating personal credit, income, assets, and collateral to mitigate risk and ensure the bank’s acceptable risk levels.

Provided coaching and conducted audits to empower and grant lending authority to newly hired underwriters, loan processors, and sales team members.

Utilized problem-solving skills to structure loan applications that align with risk tolerance while possessing authority for policy exceptions.

Coordinated detailed review and analysis of tax returns, encompassing personal and business filings (1120, 1120-S, and 1065), alongside financial statements, such as profit and loss statements and balance sheets, utilizing Moody’s Risk Analysis software.

Underwrote and evaluated various loan types, including portfolio, conventional, and government loans (FHA), ensuring adherence to applicable regulations, guidelines, and risk assessment criteria while demonstrating adaptability in assessing loan applications.

Notable Achievement:

Cultivated relationships with individuals at various organizational levels to acquire essential details and documents, ensuring a seamless and efficient loan processing experience while maintaining exceptional client satisfaction levels.

Education

Master of Business Administration (MBA)

University of Phoenix, Phoenix, AZ

Bachelor of Arts in Economics with Emphasis in Finance

Gustavus Adolphus College, Saint Peter, MN

Technical Skills

Microsoft Office Professional (Excel, Word, PowerPoint, Access, and Outlook)

Core Doc-Velocity Net-Oxygen Moody’s Risk Analysis Buker’s Tax Analysis Tool

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