Wholesale Mortgage Underwriter
Resume:
David Bernhardt
Snohomish, WA 98296
***************@****.***
SUMMARY
Knowledgeable, enthusiastic and dependable. Enjoy detailed work with emphasis on analytical review. 7+ years underwriting background. Excellent history of lending and banking practices with 24+ years of wholesale, retail and financial banking experience. Extensive customer service history throughout all previous positions. High computer literacy gained from several years use of different software applications. Easily able to multi-task and create a good organizational path to work from. Proven ability to successfully manage workflow for self and others.
• Strong proven sales background
• High analytical/compliance skills
• Excellent customer service skills
• Affective Management background
• Good interpersonal skills
• Works wells in diverse environments (individual and Group)
PROFESSIONAL EXPERIENCE
Contract Underwriting
Manpower/Suntrust Bank 02/09-08/09
Radian Inc./US Bank 01/09-02/09
WASHINGTON MUTUAL, BELLEVUE WA 4 YEARS, 9MONTHS 11/08-01/09
09/07-01/08
Senior Underwriter 01/02-07/06
Excel at high level of analysis of income, assets and credit to make lending decisions.Ability to underwrite multiple loan programs and products. Proficiently cross-sell products to meet customer requirements. Continuous customer contact to update loan packages and provide customer care. Mentoring underwriting assistants and fellow employees. Processing of required conditions for final approval of mortgage loans.
• Attaining $3 million lending limit $5 million aggregate lending authority with Exception ability and able to second sign and review for junior underwriters.
• Verified 98% compliance to bank in overall audits during 4 year 9 mos
• Consistently exceeding goal of 6 loans a day to be in top 3 underwriters for production in division.
• Notice from management, Account executives and customers for excellent customer service.
GMAC/HOMECOMINGS, BELLEVUE WA. 1 YEAR, 8 MONTHS 01/08-10/08
07/06-04/07
Senior Underwriter
Excel at high level of analysis of income, assets and credit to make lending decisions. Consistently meeting and exceeds loan quality and quantity objectives. Ability to underwrite multiple loan programs and products. Proficiently cross-sell products to meet customer requirements. Continuous customer contact to update loan packages and provide customer care. Mentoring underwriting assistants and fellow employees
• Maintaining Senior Underwriter status through continuing education and excellent record of accomplishment.
• Qualification to underwrite all loan products including conforming, jumbo, 2nd mortgages and portfolio loans, Community development loans.
• Maintaining high degree of salability of loans underwritten no repurchase from investors..
• Praise from customers, Account Executives, Management staff for excellent customer service and problem solving skills.
FLAGSTAR BANK , BELLEVUE, WA. 8 MONTHS 04/07-09/07
Senior Underwriter
Excel at high level of analysis of income, assets and credit to make lending decisions. Consistently meeting and exceeds loan quality and quantity objectives. Ability to underwrite multiple loan programs and products. Proficiently cross-sell products to meet customer requirements. Continuous customer contact to update loan packages and provide customer care. Mentoring underwriting assistants and fellow employees
• Maintaining Senior Underwriter status through continuing education and excellent record of accomplishment.
• Qualification to underwrite all loan products including conforming, jumbo, 2nd mortgages and portfolio loans, Community development loans.
• Maintaining high degree of saleablility of loans underwritten, no repurchase from investors.
• Praise from customers, Account Executives, Management staff for excellent customer service and problem solving skills.
Citi Financial , Monroe, WA. 4 Years, 8 Months 08/97-01/02
Senior Assistant Manager/Loan officer
Excellence in sales for lending both personal and mortgage loans. Cross-selling Life, Disability and unemployment insurance products. Continuous customer service calls for the purpose of selling, scheduling and collecting loans. Utilizing outside contacts to expand customer base and use of multiple products. Complete follow through of loan from selling, pricing, pre-underwriting, ordering title, escrow and appraisal, closing and then collecting.
• 3 times employee of the quarter for sales, 8 times employee of the month and fantastic 5 award 4 out of 6 mos offered.
• Far exceeding sales and collections goals set by management and company
• Management of multiple branches on relief assignments and always maintaining goals.
Previous and part-time employers
Nations Credit (Manager) 5 Years 01/93-08/97
Viking Community Bank (New Accounts) 8 Months 05/92-01/93
First Interstate Bank (CSS) 5 Years 11/86-11/91
Kirkland Fire Dept. (Lieutenant PT) 10 Years 08/92-08/02
EDUCATION
In house management courses in finance and Banking. Business administration, Marketing, Bank Consumer lending, Life, Disability, property, casualty, AIB banking courses, Affordable Lending, FHA Essentials, Appraisal review for standard lending, multiple in-house lending, selling and compliance courses through all companies employed by. Typing one, Lotus 123.
PROFESSIONAL AFFILIATIONS
Acting President Kirkland reserve fire departing until 2000 to 2001. R.E.A.D.Y trailer participant and safety trainer. “Sparky the Dog” Mascot for Kirkland fire department. Assistant CPR trainer. Captain of Walk America Team.
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