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Thomas K

Mortgage Operations/Underwriting Guru

Occupation:

Credit Analyst

Location:

Irvine, CA

Education Level:

Bachelor

Will Relocate:

YES

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Mortgage Operations Professional with expertise in underwriting and file flow management. A strong advocate of change who leads by example and promotes a mindset of continuous improvement.

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COMPANY POSITION HELD DATES WORKED

Decision One Mortgage (Confidential) 4/2002 - 3/2007
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SCHOOL MAJOR YEAR DEGREE

California State University, Hayward Business Administration 1990 Bachelor Degree
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Highlights:

• Successfully grew branch operations from a staff of 12 employees funding $15MM/month to a staff of 40 funding over $100MM/month. • Transformed the office workflow from submission to funding, resulting in the ability to support a 667% increase in volume within a two-year period. • Directed wholesale and correspondent operations, exceeding company goals to become the #2 branch within the organization. • Implemented an underwriting approval process that reduced loan declinations by 13% and increased funded volume by 15%. • Managed all duties in the REO liquidation process; working with escrow and title companies, real estate agents, appraisers, and maintenance contractors to achieve the lowest percentage to volume REO inventory in the district.

Companies I like:

Chase, Morgan Stanley, Citi, WaMu, HSBC, Lehman Brothers.

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• Responsible for maintaining operational compliance with all state and federal regulations. Manage all aspects of compliance. • Ensure that clients and sales executives are receiving quality service from all departments thereby cultivating a team environment. • Perform managerial duties including, recruiting, training, setting goals and objectives, employee relations, and performance evaluations. • Partner with a variety of managers in product development and deployment. • Facilitate open communication between departments to ensure operational success and contribute to maintaining a respectful workplace.
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