Customer Service Manager

DENNIS HESTER

**************@*****.***

Phone: 561-***-****

SUMMARY

• Experienced financial expert with over 30 years experience in financial management

• Specialized knowledge in commercial and mortgage loans including rate structures

• Performed detailed financial audits and worked extensively in supervising individuals while acting as branch manager

• Excellent at working with and retaining clients, as well as being efficient, detailed and meticulous

PROFESSIONAL SKILLS

• Extensive experience in commercial lending and residential mortgage loan organizations

• Underwriting Commercial, Residential and Consumer loans

• Experience in collections for Credit Card, Indirect, Consumer and Commercial loans

• Processing residential Commercial and equity mortgage loans

• Performing analysis of spreadsheets, cash flow, and debt ratios

• Verifying (written and oral) and checking against current information

• Briefing attorneys on closing instructions and performed HUD-I review

• Performing extensive/thorough fact-finding interviews with customers

EDUCATION

Augusta College Augusta, GA

Bachelor of Business Administration

EXPERIENCE

ASGN, Inc. at SunTrust Bank Melbourne, FL

Frontline Underwriter 11/10 – Present

• Underwrite refinances as well as new loans.

• Lending authority of $650,000

Career Link, Inc. at Wells Fargo Bank Birmingham, AL

Level IV Mortgage Underwriter 5/2010 – 11/2010

• Level III loan underwriting (3 step loans)

• Lending authority of $650,000

Lydian Data Services Boca Raton, FL

Due Diligence Contract Underwriter 02/2008 – 5/2010

• Reviewed large, closed loans that originated from SunTrust Bank

• Made recommendations as to their disposition and worked on an as needed basis

Deutsche Bank Boca Raton, FL

Senior Underwriter 12/2005-12/2007

• Always exceeded number of files required each day, either by automated or manually underwritten

• Worked with correspondent banks, broker and fellow employees to ensure good customer service relations

• Also, performed intensive through fact-funding interviews with appropriate parties

• Assisted other underwriters with more complex loan scenarios

Staten Island Bank North Palm Beach, FL

Underwriter Supervisor 5/2001-10/2005

• Conforming Loans, Non-conforming loans, complex loans, Alt-A Loans

• Supervised as many as four underwriters

• Assisted processors with any problems that may arose

• Worked with correspondent banks, brokers and account executives on a daily basis to ensure good customer service relations

Ocwen Federal Bank West Palm Beach, FL

Senior Underwriter for BCD Lending 11/1997-05/2001

• Supervised as many as four underwriters

• All account managers (processors) and account executives asked for help and advice on special requests and/or problem loans

• Responsible for working on complex or multi-loan packages

• Underwriter and price wholesale as well as correspondent loans

Independent Mortgage Contractor for the following companies: 08/1992-11/1997

Citiscape Inc. Tarrytown, NY

Financial Consultant 10/1996-11/1997

• Underwriter and Processor for BCD Lending

Fleet Funding/GE Capital Florence, SC

Financial Mortgage Consultant 07/1995-10/1996

• Reviewed portfolio of nationwide loans for legal document compliance, also HUD-1 and escrow analysis

• Sampled loans for underwriting techniques used by different institutions

• Underwriter

Merrill Lynch/Filmore Financial New York, NY

Financial Consultant 06/1995-07/1995

• Sent to Washington, D.C. to review 30-40 commercial loans for correct documentation, rate and term structure, credit decisions and underwriting guidelines to be used as collateral on a 80MM line of credit loan with Merrill Lynch

Bank/Boston/AccuStaffing Accounting Jacksonville, FL

Senior Internal Auditor 08/1994-06/1995

• Responsible for reviewing all financial data and legal documents on loans for institutional, as well as for federal compliance

• Rated #1 (out of 9 auditors) each week for numbers of files reviewed with least errors

• Worked directly with BancBoston management on problems with investors and any special projects

Citibank/GE Capital St. Louis, MO/Stanford, CT

Financial Mortgage Consultant 04/1993-08/1994

• St. Louis - Reviewed credit, underwrote and processed second mortgages and home equity loans

• Worked up closing cost and performed HUD-1 reviews

• Stanford - Reviewed title, appraisals, legal loan documents, compliance documentation and underwriting

• Processed and pre-underwrote first mortgage loans

Small Business Administration Miami, FL

Commercial Loan Officer/Liquidation Loan Officer 08/1992-04/1993

• Processed and underwrote loans up to $500,000 secured by all types of collateral including real estate

• These loans were a result of Hurricane Andrew

C & S National Bank Augusta, GA

Branch Manager 03/1974-06/1992

• Consistently highest producer of commercial and consumer loans each month out of 14 branches

• Awarded one-week cruise to the Bahamas for highest loan production in six months

• Consistently won “Branch of the Quarter” award

• Lowest percentage of past due loans

• $250,000 lending limit

Contact this candidate