Customer Service Sales Team
Resume:
James H. Frazee
Lakeville, MN ***** ***********@*****.*** 612-***-****
SUMMARY AND KEY SKILLS
Over 15 years in underwriting, pipeline management, credit policies, FNMA, Freddie Mac, Jumbo, Non-QM, FHA/VA, Credit Decisioning, risk analysis, cash-flow analysis, escalation resolutions.
Leadership Energetic Operational Efficiency Collaboration Analytical Trainer Adaptability Creativity Empathy Learner Time management
PROFESSIONAL EXPERIENCE
Verus Mortgage Capital Bloomington, MN
Non- QM Senior Scenario Desk and Exceptions Underwriter 3/2023 – 4/2025
Provided scenario feedback to the Sales team.
Exceptions underwriter for both wholesale and correspondent channels.
Clear Third PR conditions
Loan Depot, Foothill Ranch, CA Remote.
Manager/Credit Risk 1/2022 –10/2022
Developed self-employed training for sales and underwriting team.
Collaborated with defect resolution team and the TPRs: achieving pipeline reductions using decisioning logic skills reducing buyback requests, suspense fees and delivery expenses.
Lead staff of eight assuring productivity and loan quality targets achieved.
Conducted monthly sales and underwriting team meetings, results include improved relationships, reducing processing time, and increasing customer satisfaction.
A&N Mortgage, Chicago, IL Remote
Underwriting Manager 2/2020 – 12/2021
Managed underwriting team of five
Collaborated with senior leaders establishing risk tolerance, quality standards, service level agreements.
Provided training for sales and processing teams, reducing the number of conditions per file by 37% and increasing positive customer feedback by 22%.
Worked with Loan Officers with guidelines, escalations, guidelines.
Resolving close loan defects with TPRs and end investors.
Lending partners included FHLMC, FNMA, FHA, VA, Non-Conforming, Delegated Non-QM.
Assured all state and federal regulations were adhered to. ATR, RESPA, Reg Z, Reg B, Fair Lending
Guaranteed Rate, Chicago, IL Hybrid
Production Manager 09/2018 – 2/2020
Work with a sales team of ten originators, managing the pipeline, SLA’s, provided customer service by communicating with borrowers, obtaining required documentation, discussing loan terms, and closing conditions. $1 Billion originated in 2019.
Wells Fargo Home Mortgage, Minneapolis, MN On-site
AVP Underwriting Manager II – Correspondent Operations Non-Conforming – Jumbo dept. 01/2009 – 9/2018
Stakeholder and developer of underwriting income/assets calculation worksheets creating consistency and reducing internal audit findings.
Managed staff of 20, 10 direct underwriters and one team leader, one underwriting manager and eight indirect underwriters
Subject Matter Expert on project team developing client self-employed training material; provided client training both virtually and in person, growing the channels’ overall self-employed percent of the pipeline by 9%.
Developed and distributed daily productivity, capacity, and quality reports, identifying market trends and insights.
Project lead for various projects requiring collaboration with other departments: Projects included imaging system, task assignment and productivity tools.
Trained over seventy-five internal underwriters on guidelines, business tax returns, income, and asset calculations.
I interviewed, hired, and onboarded new team members.
Managed daily call with 50+ underwriters, solving, influencing, guiding underwriting process of complex transactions assuring company objectives and underwriters gained strength and confidence.
JDB Mortgage, Minneapolis, MN
Owner operator 01/2001 – 12/2008
Solicited new residential mortgage loans from realtors, builders, and past customers.
Oversaw all aspects of mortgage manufacturing, marketing, vendor management, pricing, processing, closing, shipping, accounting, reporting, recruiting, sales management, customer service.
Previous experience:
Loan Officer, Producing Branch Manager
Computer and application Skills:
Microsoft applications, Excel, Word, PowerPoint, Encompass, Calyx - Point, MFlex, LMS, FEMA, LPA, and DU, Finicity, FormFree, AllRegs Remine, CoreLogic, MI Certs, LexisNexis, Ocrolus, bSrmt, UCDP.
Bemidji State University:
1 year of general course studies
Interests:
Coaching, Hockey, Golf, Travel, Family, and Parade of Homes volunteer.
RECOGNITION
Mortgage Service Excellence 2-time winner
Leadership Excellence 2-time winner
Team Excellence 5-time winner
Top Service Conference winner
Top Producer and President Club
National Sales Committee Member
MN Mortgage Banking Activity committee member
Contact Me: I am excited to bring my experience in underwriting and pipeline management to your team. Please reach out to me at ***********@*****.*** or 612-***-**** to discuss how I can contribute to your organization.
Contact this candidate