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Click here or scroll down to respond to this candidateCandidate's Name
Street Address Personal Cell PHONE NUMBER AVAILABLE EMAIL AVAILABLECAREER SUMMARYCareer oriented individual with extensive team lead/management experience and training others utilizing knowledge acquired over 17 years in the mortgage industry, commercial lines insurance and leasing.WORK EXPERIENCEWELLS FARGO, WEST DES MOINES, IOWA - REMOTE 5 yearsSenior Business Lending Relationship Management Representative March 2020 - CurrentWork closely with vendors, sales reps, management, credit and funding to build relationships by collaborating with peers and structure transactions for copy machine and computer software leasing. Ensure figures and documents are accurate, work with SOS sites, Dun & Bradstreet, and request all additional information including following up to issue an approval or denial within SLA.Cross trained to work on Mid-Atlantic, Northeast and PacWest TeamsProcess rush/escalated requests and have served as backup for Structured Deal SpecialistsDevelop Training Materials for a challenging programCreate cheat sheets for the team to provide efficiency and provide process improvements.Use calculations to determine the max borrower payment when MSRP is exceeded as well as in Usury Fail scenarios to ensure state guidelines are followed and all supporting documentation is attached and notated.Serve as a main point of contact for certain vendors.Assist with training and mentoring new hires and an offshore team.Subject Matter Expert for Non-Collateral Equipment and Co-Term add-ons.Evaluate problematic transactions to ensure optimal outcomes for vendors and customers.Occasionally prepare lease paperwork for vendors.Provide feedback to management on monthly audit findings from risk/compliance background.Received top performer in the month of January 2021 while maintaining 100% accuracy.Received Spotlight Award June 2023.WELLS FARGO, WEST DES MOINES, IOWAOperational Risk Consultant Contract/Temporary Assignment Staffing Agency, Sept 2018-March 2020Reviewed loan transactions from beginning to end to determine if customers or our company should be paying the rate lock extension and explained reasoning for decision.Contacted branch managers to inform them of errors and amounts due from the branch AU.Accepted Permanent Position in Leasing DepartmentWELLS FARGO, WEST DES MOINES, IOWABusiness Systems Consultant Contract/Temporary Assignment Staffing Agency, Jul 2018-Sept 2018Worked on high priority Customer Impact Transactions (CITs and SHRPs) by performing final quality reviews on work completed by other Business System Consultants.Followed Brand Standards and guidelines while issuing checks along with letters and ensured data was accurate and truncated in certain situations.Maintained records of feedback on corrections, tracking letters and checks sent out to customers, following up on uncashed checks and assisted the Team SME (Subject Matter Expert) with creating training material.IMT INSURANCE, WEST DES MOINES, IOWACommercial Lines Associate, Feb 2014 Feb 2018Fully trained and released on commercial lines underwriting, renewing and endorsing all Lines of Commercial Insurance including Auto, Business Owners, Workers Comp, General Liability, Inland Marine, Umbrella, Garage, as well as Property policies in a timely manner.Reviewed Commercial Lines policies for renewal, making changes if needed and identified and made decisions on non-renewals and cancellations when necessary. Determined renewal premium by adding debit or credits to the policy. Maintained excellent communication with agents.Processed new business, quotes and was assigned to a small team in charge of transferring inland marine policies from outdated to updated computer software.After 4 years, I decided to go back to the banking industry.WELLS FARGO, WEST DES MOINES, IOWALoan Documentation Specialist 4 - Closer, Jun 2013 Feb 2014Verified employment, processed FHA, Fannie Mae, Freddie Mac, VA and Conventional loans refinances as well as purchases. Followed state-specific requirements and guidelines as well as reviewed loan requirements based on loan type, satisfying all underwriting and closing conditions to prepare instructions to send to title to prepare HUDs for closing/signing.Maintained excellent communication with title and lawyers offices. Received HUDs for review, balanced final amounts to determine cash to and from borrower, issued final approval and sent out state specific closing documents for signing. Dispersed wire transactions to payoff mortgages, reviewed funding documents after loans closed and funded loans off business system.Served as back-up Work Director/Team Lead which included being responsible for team workflow, assigning files to employees to prepare for closing as well as processing rush and escalated files. Completed 2nd level quality reviews on title work, home owners insurance, payoffs and taxes.The Military Family Home Loans Branch of Wells Fargo closed down.Loan Documentation Specialist 3 - Closer, Sep 2011 Jun 2013Maintained excellent communication with home mortgage consultants, processors, underwriters, lawyers offices and title companies closing on Fannie Mae and Freddie Mac loans.Completed training on NY (Cema) and TX deals as well as being responsible for processing rush files. Job shadowed the underwriting role.Reviewed loans for accuracy to ensure all loan documents were valid and within guidelines, confirmed closing dates and times, reviewed title work, calculated and dispersed wire amounts to payoff previous loans, reviewed HUDs for approval or revisions to determine cash to or from borrower before preparing the appropriate closing documents for the borrower to sign.Promoted to a Loan Document Specialist 4Loan Documentation Specialist 2, Jan 2009 Sep 2011Maintained a productivity-based pipeline while reviewing and decisioning Jumbo (over $453k minimum), FHA, Fannie Mae, Freddie Mac, VA and Conventional files in a timely manner to avoid compliance and regulatory penalties. This includes LTV and DTI calculations.Assisted manager with developing training manuals, created Excel spreadsheets and completed reports. Received phone calls from HMCs, processors, underwriters and borrowers. Sent out denial letters to customers on loans I decisioned as well as additional information request letters.Assigned loans out to employees. Trained new employees in reviewing/decisioning loans. Cross-trained in the Audit Dept. Received multiple STAR Awards and the Leader Award in April 2011.Promoted to Loan Document Specialist 3Operations Clerk, Aug 2007 Jan 2009Received files in the mail area and created barcodes for the files to be scanned and sent to storage.Assisted with ordering files from storage for loan documentation specialists.Promoted to a Loan Document Specialist 2PHEASANT RUN PUB & GRILL, WINTERSET, IOWAManager, Jul 2015 September 2021Created employee work schedules, job postings, advertisements, and ordered merchandise. Trained, hired and terminated employees, located and hired entertainment, and organized fundraisers. Paid vendors, balanced cash paperwork, worked with accountant and paid employees. Managed business Facebook page.WeekendsLeft to focus on full-time career with Wells Fargo and spend additional time with family.EDUCATIONCLARKE JR/SR HIGH, OSCEOLA, IOWANCRC Testing Certificate Gold Level Workplace Documents Platinum LevelCERTIFICATE ID: 0645J9HTXJMM ISSUE DATE: Mar 18, 2018Microsoft 2000 Word, Excel, Access & PowerPoint CertifiedCertification Training for the Fulfillment Cancellation function of the Fulfillment Advantage Support TeamCompleted Code of Ethics CourseCompleted Speed of Trust & Inspiring TrustADDITIONAL SKILLSTyping speed: 65 wpmTraining: 17 years experienceTime management: 17 years experienceK.S.P.H. 13,000 with 99% accuracyQuality Review & Decisioning: 17 years experienceManagement: 6 years experience |
