Mortgage Operations Administration
Resume:
Steven M. Burmeister
Hilton Head, SC 29926
QUALIFICATIONS
Self-starter with demonstrated track record in managing people, strong conceptual decision making and analysis skills and lengthy entrepreneurial business experience. Mortgage underwriting and processing, with secondary mortgage marketing and construction administration expertise involving relationship building with buyer-clients, builders and homeowners and attention to the details and rapport required to positively build those relationships. Knowledgeable, meticulous, conscientious and dedicated. Accustomed to excelling with little direct supervision.
CAREER HISTORY
2008 Loan Servicing Representative Harbourside Community Bank Hilton Head, SC
Temporary project assignment through Randstad agency. Auditing, archiving and scanning to paperless
document imaging system. Approximately 400+ residential and commercial loans successfully moved to LQAS
imaging system. Completion of project that started June 2008 on 12/31/2008.
2003 - 2007 Construction Loan Administrator SunTrust Mortgage Corp. Hilton Head, SC
Merger with Lighthouse Community Bank. Headed construction department for custom home construction to permanent projects. Scheduled progress inspections, coordinated draws and disbursed funds, and facilitated documentation necessary to rollover to permanent mortgage product upon completion of construction.
• Active loans increased from 125 in 2003 to over 800 by March 2007 through superior customer service.
• Balanced builder and borrower needs with Bank’s exposure in proportion to degree of completion
• Created increased referrals from satisfied customers generating new business.
• Loan Officers used the Construction Department as a “selling point”.
Centralization of construction centers in the Southeastern US ended position January 1, 2008.
2000 – 2003 Asst. Mgr. Secondary Marketing Lighthouse Community Bank Hilton Head, SC
Involved preparing weighted offers of bank-held portfolio loans in inventory to small, private investor banks. Required researching and creating a mix of loans tailored to each purchaser’s requirements, providing underwriting documents for investor review and coordinating the pricing, funding and documentation needed to consummate the sale. In the absence of immediate supervisor, also prepared internal rate sheets, assisted loan officers with loan rate pricing. Locked and delivered conduit sold loans and corrected document exceptions on both conduit and relationship portfolio sales as required by purchaser.
• Generated cash flow for re-lending minimizing borrowing needs.
• Actively monitored individual borrower loan dollar exposure constraints.
• Regularly moved $25-$40 million in portfolio loans each month, fueling the rapid growth of an aggressive local lender.
Merger with SunTrust ended position.
1999 – 2000 Processor/Underwriter Lighthouse Community Bank Hilton Head, SC
Underwriter and Processor of third party originated Broker loans for small local bank.
• Promoted to Secondary Marketing Department after 7 months.
1998 – 1999 Processor/Underwriter Charter Mortgage Group, LTD Bluffton, SC
Started as loan originator and rapidly learned the mechanics of the Mortgage business. Shifted to processing in July 1998. Analyzed credit, reviewed documentation and pricing and cleared pending conditions by investors on 100% service released loans for a correspondent brokerage shop.
• Became sole underwriter/processor for 5 staff Loan Officers.
Was recruited by Lighthouse Community Bank.
1995 - 1997 Various Management & Sales Positions Bluffton, SC
Explored a new career in non-food related sales & management fields after sale of restaurant.
Discovered none with acceptable advancement opportunities.
1985 - 1994 Franchisee Burger King Hilton Head, SC
Planned the construction, development, staffing, supervision, marketing and complete operation of an outlet of a
large restaurant chain as an entrepreneurial Owner-Operator.
Sold Business.
EDUCATION
B.A. University of Massachusetts Amherst, MA
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