Joshua D. Sinclair

**** ******* ****, ********, ** 55125 651-***-**** adzjt9@r.postjobfree.com 16 years of financial experience specializing in Underwriting, Financial analysis, Business banking, Management, Credit, financial planning, Lending processes, Quality Assurance analytics, and the Mortgage process CENTURY COMMUNITY & TECHNICAL COLLEGE WHITE BEAR LAKE, MN 2008-2011

Business Management

Experience & Employment

MORTGAGE UNDERWRITER-WELLS FARGO FUNDING~SEPT 2020-2022 Worked with conventional home loans including refinances, cash outs, and purchases. Underwriting authority certification

Ethical decision making

Building and fostering long-term relationships with clients. Strong Mathematical aptitude

Conducted comprehensive analysis and evaluated risk to control underwriting loss Presented and clearly explained policy options based on clients needs and goals Achieved production and quality goals

Coordinated materials for underwriting needs, including files, tracking spreadsheets, and updating files · Senior Quality Assurance Administrator -Wells Fargo N.A-2022-Present Provided support and scoring guidance quality assurance staff by answering questions on regulations or compliance, procedures, and policies. Escalated key maintenance errors identified during scoring process and ensure resolution of same, reviewing programs, processes, documentation, to ensure compliance with internal company requirements or government regulations.

Review systems to ensure company standards are met, exceptions are notated, and issues escalated as necessary. Review and score work.

Evaluate output from the Customer Due Diligence Group which includes Credit Investigations, Corporate PEP Team, Global Sanctions Screening & Reporting, and Enhanced Due Diligence Center. Effectively manage a personal work queue and consistently deliver error free quality control reviews within SLA. Use approved policies and procedures in order to complete reviews that are clear, concise, and easily understood by due diligence consultants and leaders. Examine and analyze programs, processes, and/or files of unusual, complex and/or higher risk transactions to ensure compliance with internal company requirements and/or agency or government regulations. Clearly communicate overall process or transaction quality and provide feedback to key stakeholders regarding identified material deficiencies or issues including identification of inconsistencies. Analyze risks and offset and develop solutions for problems identified. Education History

Achieved 2mm in annual revenue year over year

Analyze all data and underwrote all consumer loans Pay close attention to detail on credit reporting/data Provided excellent customer service skills by establishing long-term customers through networking Overseen all store operations, including but not limited to management of all customer accounts, P & L, inventory, credit portfolio management

Managed all staff personnel, including hiring and training processes Achieved challenging sales and collection goals

BANKING SALES REPRESENTATIVE-TCF BANK-2008-2010

Assisted customers in identifying banking needs and referrals to key banking partners Sold Lines of Credit, Installment Loans, Checking & Savings Accounts, IRA’s/Investment solutions Presented financial services and products to existing and potential customers Exceeding challenging sales and referral goals by proactively selling products and services to customers and referring customers to other areas of the bank

Prepared clients for financial challenges, offering solutions to ensure client succeeding financially Focused on lending products to help the consumer and profitability to TCF S.A.F.E Mortgage Licensing, partnering with mortgage consultants in order to retain long-lasting banking relationships

SALES REPRESENTATIVE-T-MOBILE-2007-2008

Provided exceptional customer service skills both in person and over the phone Worked with management to assist in opening & closing the store; operating the facility, cash handling, inventory count, deposits, etc.

Assisted customers with service activation, changes, and bill payments Awarded Employee of the Year for the store branch based on volume of sales References

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GENERAL MANAGER - HOMECHOICE- 2014-2018 ASSISTANT MANAGER OF SALES-2010-2014 Help customers open and manage their consumer and business bank accounts and finances Advise clients on financial services and resolve issues while putting the customer first Builds long-term relationships with clients and cross selling our products and services Proven experience as a personal banker; experience in sales and customer service Knowledge of personal banking practices and regulations Excellent communication and negotiation skills

Customer-oriented approach to handling problems

Taken Business advocacy training

PERSONAL BANKER -WELLS FARGO-2018-2020

Activities

Bayport Reserve Police Officer Volunteer Bayport, MN American Cancer Society North St. Paul, MN

Ecumen Lakeview Commons Maplewood, MN