Bill Mathis Email & Phone Number

New York, Ny, Us

New York, Ny, Us

Bedminster, New Jersey, United States

Evaluate HELOC loan applications using internal Citizens Home Equity underwriting guidelines to confirm credit and income qualifications for applicants. Make credit decisions including approving or denying loans or counteroffering to new terms to fit within guidelines.• Attained Initial review rate of 8.02 loans per 8 hours - 25% above the team average. • Maintained a 12-month total decision average of 268 per month.• Provided exceptional SLA turn time of less than 24 hours for all initial reviews and over 95% of conditional reviews.• Delivered outstanding customer service attaining a 12-month NPS rating of 85.77%.

Evaluate and verify income, analyze tax returns and assets provided in loan applications. Make credit decisions underwriting to FNMA, FHLMC and internal Bank portfolio guidelines. • Consistently meet or exceed established minimum quality and productivity goals.• Develop and maintain knowledge of multiple loan product guidelines.

Provide support for 3-5 Relationship Managers in their efforts to originate, approve and close residential mortgage loans. Make initial contact and follow-up with potential clients. Serve as an ongoing point of contact for clients, helping them collect required information and complete any necessary documents throughout the loan process.• Oversaw annual closings of $150M to $200M.• Ensured loan documents met underwriting guidelines and submitted files directly to underwriting for review.• Produced an approval rate of over 95% at time of initial review.

Analyze financial, credit, appraisal and salary information to determine credit worthiness of applicants. Underwrite all DU and LP files, issuing commitments to borrowers, collecting and clearing all conditions, review of title and preparing docs for closing. Signing authority on all loans to $750,000. Strong knowledge of all Government, Bank and Broker guidelines. Help train new employees on all aspects of loan processing.