Quality Assurance Sales
Resume:
GUY JOSEPH GUSMUS, MBA
*** ********* ******, ****** ** 35124
********@*****.***
EDUCATION
Master of Business Administration – May 2009 – University of Alabama, Tuscaloosa, Alabama
Finance Concentration – GPA 3.48
• Scholarships – Alley Rae Wallace, Simpson Foundation (2003-2007) Dr. Saburo Kawai C&BA(2008-2009)
• Graduate Activities – MBA Association, Net Impact, Intramural softball, basketball
• Experience – Harborline Mortgage Consulting Project: Performed all aspects of industry, competitor, and financial analysis to provide recommendations and implementation directly to companies CEO.
Bachelor of Arts – May 2007 – University of Alabama, Tuscaloosa, Alabama
Major – History Minor–Psychology – GPA 3.48
GRE Scores – Quantitative: 750/800 (82 percentile) Analytical: 5.0 (71 percentile).
MBA Business/Financial Skills
Results-driven MBA graduate who possesses a strong understanding of business functions resulting from core MBA classes and project applications. These core functions include leadership, statistics, strategic planning, sales, marketing, accounting, finance and operations management. Capitalizes on superior research, quantitative, and analytical skills to recommend suitable strategies and courses of action that enhance overall business efficiency. Leverages strong communication and interpersonal skills to build valuable and collaborative relationships with customers and all members of an organization. Core competencies acquired include:
Business & Financial Analysis • Researching Skills • Sales & Marketing • Accounting • Operations Management
Technology and Strategy Implementation • Relationship Building • Leadership Tactics • Team Collaboration
Financial Capabilities
Fundamental & Technical Analysis ● Balance Sheet/ Financial Statement Analysis ● Spreadsheet Formulation ● Understanding of GAAP/Accounting Principles ● Present Value/Discounting Methods ● Cost Accounting Methods ● Forecasting/Trend Recognition ● Preparing/Analyzing/Coordinating Budgeting ● Cash Flow/Duration Analysis ● Mortgage Analysis- DTI-Front/Back Ratios ● Income/Affordability Measures ● Investor Guideline Measures
PROFESSIONAL EXPERIENCE
Underwriter/Loan Adjustor Specialist – Wells Fargo Loss Mitigation, Birmingham, Alabama • April 2010-Present*
Performs underwriting duties and loan analysis to place delinquent loans in appropriate workout plan suitable for both borrowers and investors. Responsible for monthly income calculations, investigating and analyzing consumer credit reports, performing complex debt to income ratio analysis, and calculating ability to pay for borrowers through analyzing borrower information, financial worksheets, and tax returns. Conducts forecast analysis and cash flow out look when needed to make decisions based on future information or income. Makes sure loans and chosen workout plans meet all areas of investor guidelines before being modified. Provides suppourt for other account representatives and team members in all areas of loss mitigation and the decision process. Given authority to lower interest rates, extend terms, adjust ARM’s to fixed rates, and setup special forbearance/moratorium options for borrowers to help avoid foreclosure and maintain affordability. Navigates bank databases including LIS/LPS to obtain loan information, update information, and communicate with other departments with in Wells Fargo. Works with and communicates with investors and other banks to obtain investor approval for loan modification terms when needed. Ultimately decides if loan in review should be permanently modified or sent for foreclosure review.
• Was ranked as #2 on site Decisioner after 1st month on job out of 100 Decisioner’s per production.
• Routinely ranked in top 5 out of over 100 Decisioner’s on site per production.
• Chosen among 10 people to represent site at 1st Annual Wells Fargo Houston Texas Home Preservation Workshop.
• Chosen as team leader responsible for handling complex loans held by other investor’s that require additional guideline research and investor approval.
• Uses analytical, problem solving, and communication skills to obtain all metrics to make informed recommendations.
• Manages active pipeline and works effectively to meet monthly team and site goals in production and accuracy.
• Routinely displays detail orientation, efficiency, organization, self motivation, and flexibility. Displays proficiency in writing, communication, and computer skills (Microsoft Excel) on a daily basis.
Loan Processor – Wells Fargo Home Mortgage, Birmingham, Alabama • November 2009-Present *
Processed refinance loan applications from initial application to final funding. Responsible for the compliance, verification, and accurateness of borrower's information as it pertains to Wells Fargo and HARP regulations. Facilitates loans by communicating with internal departments, outside servicers, and borrowers to obtain any needed information and documentation to support lender guidelines and policies.
• Cooperated within individual and team environments to ensure other employees maintained successful upload percentages.
• Acquired knowledge and expertise on Wells Fargo lending policies, loan products, and business models.
• Maintained 100% average of unsubordinated loan applications.
File Manager- Wells Fargo Loss Mitigation, Birmingham, Alabama • February 2010- Present *
Responsible for the initial file setup of loans reaching the loss mitigation phase of delinquency. Prepares the templates, credit reports, financial information and borrower documents needed to complete the proper workout/modifications according to company and investor guidelines. Reviews the loan to recommend the proper workout plan to bring the borrower out of delinquency and avoid foreclosure according to Wells Fargo, FHA and HAMP guidelines. Performs Quality Assurance on finished loans to make sure files are completed according to company and FHA policy.
• Works directly in POD environment to provide quick and responsive service to customers
• Works according to both FHA specific and Wells Fargo lending/modification policies.
• Met 100% of team and individual goals over each campaign.
Mobile Notary/Signing Agent – SELF-EMPLOYED, Tuscaloosa, Alabama • 2007-Present
Served as a signing agent and public notary to both individual and corporate clients. Perform and execute loan closings for numerous title, signing, and ESCROW companies. Notarize and explain a wide range of documents – most notably mortgage related papers – after consulting with borrowers to clarify all aspects of the legal mortgage process.
• Successfully prospected for new clients by marketing public notary services on leading trade websites to signing and title companies.
• Closed over 50 individual loans in 2009 alone.
• Gained vast expertise in the loan closing and title process after notarizing and explaining countless mortgage documents to borrowers.
• Performed variety of loan closings including new home purchases, refinances, reverse mortgages, structured settlements, VA/FHA loans, and loan modifications.
Summer Park Ranger – US ARMY CORP OF ENGINEERS, Camden, Alabama • Summers 2003 & 2005
Assisted full-time park rangers with day-to-day operations, which included patrolling recreational parks and boat landings under the jurisdiction of the Camden office.
• Participated in staff meetings to discuss relevant projects, improvements and safety issues. Maintained the permit filing system up-to-date to facilitate document retrieval.
• Transformed the Camden office into a paperless environment after computerizing its permit filing system by integrating Microsoft Access data and recorded physical GPS points onto digital mapping images.
TECHNICAL SKILLS
MS Word, PowerPoint, Access, FrontPage & Excel, Project, Minitab Statistical Program, Argus DCF, LPS/Fidelity/LIS, JMP Datamining software, Crystal Ball
*Denotes Contract Position
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