Blake Downer Email & Phone Number

- Successfully coach and manage a team of 8 SAR/DE Underwriters, fostering a collaborative and high-performing environment.- Partner with the loan sales team to address escalated scenarios, finding innovative solutions for loan approvals.- Keep the Underwriting team informed on the latest investor guidelines, ensuring compliance and up-to-date practices.- Coordinate with peers to continuously enhance workflow, driving operational efficiency.- Boosted team production efficiency by 25% within two years through strategic initiatives and process optimizations

• Reviews and evaluates information on mortgage loan documents to determine if buyer, property and loan conditions meet established investor standards for all conventional, FHA, VA, USDA and private investor loans.• Evaluates acceptability of loans to corporations that buy real estate secured loans on the secondary market, where existing loans are sold.• Determines terms and acceptability of risk of prospective business.• Ensures compliance with industry standards, state and federal laws and disclosure requirements.• Records all conditions required for final approval and signs off.• Records all reasons for denied loans.

Overland Park, Ks

• Review underwriter approved mortgage loans prior to funding for quality and compliance soundness• Review and resolve fraud alerts and OFAC issues on mortgage applications• Train new hires in policies and execution of quality assurance mortgage reviews• Create mortgage review template form for QA group• Build compliance processes for quality assurance and fraud prevention groups

Tulsa, Oklahoma Area

• Service a portfolio of 130 at risk auto loans, primarily working with external customers, repossession agencies, attorneys, peers, and other Capital One teams• Serve on continuous improvement CIRCLES team: representing associates, managing and brainstorming suggestions for changes, oversee change management process, and coordinating changes with IT, facilities, HR, and general company policies• Consistently recognized for performing at a high level; receive bonus monthly • Mentor new hires during training and transition period

• Responsible for servicing a $15M loan portfolio• Underwriting Experience• Performed consistently in top 10% • Top team ranking three consecutive months• Three level promotions in a six month period

Delivered weekly broadcasts covering local collegiate sports highlightsWrote original material for weekly broadcasts

I assisted with production of Fox sports broadcasts, edited sports highlights for live broadcast, and executed independent reporting assignments. I interned in Summer 2007 and Summer 2008.