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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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