Experience

Tech Service Today LLC

• United States
• IT Services and IT Consulting
• 1 - 100 Employee

• National Account Manager

  • Feb 2023 - Present

  Manages and maintains long lasting client relationships by providing superior customer service. Assists clients with requests, questions, issue escalations and anything to ensure the client's needs are attended to quickly and effectively. Also develops new business. Manages and maintains long lasting client relationships by providing superior customer service. Assists clients with requests, questions, issue escalations and anything to ensure the client's needs are attended to quickly and effectively. Also develops new business.



U.S. Bank

• United States
• Banking
• 700 & Above Employee

• Wealth Management Underwriter

  • Mar 2020 - Sep 2022

  • Analyze and evaluate High Net Worth residential and consumer loan applications originated by U.S. Bank branch offices in accordance with industry and business unit standards. • Maintain strong partnership with Reginal Credit Managers, Mortgage Loan Officers and Mortgage Processors. • Coordinated conference calls with Reginal Credit Managers and Bankers to discuss high profile loan scenarios. • Gather, interpret credit information in order to maximize credit and minimize risk for potential loss when reviewing complex multi-million-dollar existing clients and prospects to the bank. • Prepare loan write-ups for approval that address borrowers’ strengths and weaknesses. • Approve and/or deny loans within certain limits, make credit structure and loan eligibility decisions. • Responsible for 25-30 loans at any given time while managing purchase closing dates, rate lock expirations and ECOA deadlines. • Successfully maintained all service level agreements during periods of increased volume. • Ensures that controls are in place for review of documents submitted by internal and external clients, and that storage systems (collateral and documentation) are up to date. • Contributes to the achievements of related teams’ objectives. Show less



Chase

• United States
• Financial Services
• 700 & Above Employee

• Senior Underwriter

  • Feb 2010 - Sep 2019

  Executive Office Modification Underwriter III • Demonstrate the ability to review complaints and confirm original decision on loans that were designated as higher risk and/or high priority • Identified and worked through alternatives for loans that fall outside of guidelines • Work with internal and external departments to find the best possible solution for the customer and Chase • Work with investors to reinstate broken trial plans due to numerous issues • Demonstrated the ability to translate underwriting guidelines with application of mitigating factors, when applicable, to ensure proper saleability to investors • Consistently met established productivity and quality measurements on a consistent basis • Communicated both in writing and orally with third party investors and clients as needed • Review employment documentation and re-calculate income documentation for completeness and accuracy per guideline requirements • Reviewed low risk flags from data alerts to clear variances • Stayed abreast of corporate policies, procedures, federal regulations and company guidelines • Underwrite based off of Securitized, Asset, VA, FHA, USDA, Fannie, and Freddie guidelines • Coach and support executive office agents if questions arise while the complaint is being reviewed to satisfy customers concerns Show less



PHH Mortgage

• United States
• Financial Services
• 700 & Above Employee

• Loan Processor, Scenario Underwriter

  • Aug 1996 - Jan 2010

  • Review and analyse borrower’s mortgage applications, credit reports and related documents • Analysed construction budgets provided by the builders to ensure a seamless construction draw schedule • Maintained a high volume of active construction loans and loan closings • Interface with customers, financial advisors, title companies, appraisal department, along with other support groups to ensure a smooth experience for the borrower • Stayed abreast of corporate procedures, and company guidelines • Reviewed and made decisions for leads for compliance with PHH Mortgage and investor guidelines based on information provided within the loan application • Reviewed credit, income and asset documentation and identified potential alternatives with higher level Analyst or Supervisor for loans that fall outside of guidelines • Translated underwriting guidelines with application of mitigating factors, when applicable, to ensure proper saleability to investors • Communicated both verbally and in writing with Sales (internal and in the field) and third party stakeholders • Provided technical expertise to internal/external customers when questions arise on leads • Updated the origination system to add and clear the appropriate conditions • Met established production and quality minimums on a consistent basis while working within the team to achieve required turnaround times and provide phone support within Service Level Agreements Show less