Chad L. Email & Phone Number

West Palm Beach, Fl, Us

West Palm Beach, Fl, Us

Boca Raton, Florida, United States

My primary role is to mitigate the risk to the company by underwriting jumbo loans to automotive dealerships. I coordinate the documents required, calculate various ratios, analyze complex business and personal tax returns, and provide written recommendations to company executives.Selected Contributions:• Verify ratios comply with program requirements and guidelines• Document financial analysis on loan transactions• Quantify the risk/reward of all loan decisions• Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to USA Patriot Act, OFAC and other related issues• Working within broad limits and authorities on highly complex assignments

Boca Raton, Florida, United States

My primary function is to manage the overall operational efficiency of the branch office. Direct day to day operational functions, ensuring compliance with state and federal regulatory policies and procedures. Use extensive knowledge and skills obtained through education and experience to identify, research, analyze and resolve complex loan files.Selected Contributions:• Lead and supervise risk and the operations of loan personnel functions to deliver exceptional customer service and experience, and ensure timely completion, quality, and compliance in all functions• Working across multiple, internal teams to resolve customer issues quickly and effectively.• Build long lasting relationships with borrowers and realtors• Structure loans to meet guidelines with DU approve/eligible; LP eligible/accept• Work with brokers on various products; i.e. Bank statement loans• Provide feedback and present ideas for improving customer service and experience, and related performance management process and tools • Provide excellent customer service, engage customers in conversations, and build relationships with them • Lead daily operations across various departments, utilizing key performance indicators (KPIs) to optimize productivity and identify areas for enhancement.• Make decisions and resolve issues related to daily operations under direction of branch manager and corporate management • Leverage interpretation of applicable regulations, policy, and procedure requirements • Support customers and employees in resolving or escalating concerns or complaints• Coach, motivate, and develop a diverse team of direct reports to achieve full potential and meet established branch objectives • Mentor and guide talent development of direct reports and assist in hiring talent • Partner with Loan Processing and other cross-functional stakeholders to provide an experience that delights customers and referral partners alike and leads to on-time closings

Palm Beach Gardens, Florida, United States

My primary function with CrossCountry Mortgage is to maintain constant and professional communication with our borrowers, assist loan officers to ensure timely and accurate disclosures in conjunctions with Federal guidelines, gather various financial documents, package loans and submit loans for clear to close accurately the first time. Selected Contributions: • Maintain frequent communication with borrowers while providing exceptional customer service • Manage a pipeline of 45+ loans • Working knowledge and understanding of Fannie Mae Guidelines and AUS• Collect and record borrower information and financial documents in a timely manner to ensure timely closing of all loans • Itemize and disclosed mortgage fees (LE and CD) • Ensure accuracy and completeness of each loan file processed prior to passing to the closing department • Coordinate closing paperwork and tasks • Remain knowledgeable in all loan programs and guidelines (Jumbo, Conventional, FHA, VA, Fannie and Freddie) • Provide exceptional customer care (both internal and external)

West Palm Beach, Florida

My primary function with NVR Mortgage is to ensure the timely and accurate packaging of all loans originated by our loan officers. Selected Contributions: • Maintain frequent communication while providing exceptional customer service to homebuyers, NVR Mortgage branch personnel, and the Homebuilding divisions throughout the entire loan process • Manage multiple loan files • Collect and record customer information in a timely manner to ensure timely processing of compliant mortgage loan files • Set up loan files, manually and on the computer, and order all exhibits (i.e., VOE's, VOD's credit report, etc.) • Ensure accuracy and completeness of each loan file processed prior to passing to the closing department • Follow up on submitted loans and/or pended loans Coordinate closing paperwork and tasks, as required

Minneapolis, Minnesota, United States

Managed the activities of a loan production, loan servicing team, including large single business function or multiple business functions. Coordinated with National Underwriting and Production Risk Management team to support private mortgage banking credit organization. Designed ad hoc reporting around turn times by reviewing and reconsidering per file and managing underwriter production, divisional alignment, file rushes, and other monthly/yearly reporting metrics. Developed and implemented national data reports for market lending managers. Analyzed data, evaluated trends, and formulated various reports for the senior management by generating new information from the pre-existing database through data mining. Wrote macros for data mining for daily, weekly, and monthly reports. Selected Contributions: · • Led and supervised team members, including loan processors, evaluated performance, assessed training needs, and conducted training sessions to improve productivity and efficiency. • Ensured smooth functioning of business operations by complying with organizational standards, regulations, and legal authorities. • Processed new loan requests, ensuring complete documentation of each loan • Underwrote loans to Fannie and Freddie guidelines • Underwrote Appraisal/Collateral to guidelines using using Fannie CU • Structured loans as required

Bloomington, Minnesota

Provided quality customer service by obtaining necessary documentation for underwriting the loan file, ordered third party documentation, running DU/LP, calculation of income, communicated directly with the customer and/or loan officer in a professional and effective manner and obtained necessary documentation, and provided proper disclosures as required by local, state, and federal regulations.• Obtain and assemble complete loan package in proper order for underwriting. Verify all required documentation (pre-underwrite) in the file. Complete required loan checklist.• Verified the application is complete and accurate. Verified documentation submitted and identified any potential issues that may arise in underwriting.• Performed a thorough review and analysis of borrower’s credit, employment, income and assets as required by the particular program before submitting the file to the underwriter. Prepared a loan approval summary, the 1008 and the 1003 and ensures the accuracy of all the information printed on said documents. Responsible to hand over a completely documented file to the underwriter which is ready for approval or denial.• Directly communicated with Loan Originator, customer, and underwriter in writing and/or by telephone in order to obtain initial and missing documentation required to qualify for the loan, including but not limited to income information, asset information, credit authorization, trust agreements, purchase agreements, etc.• Review loans for compliance within RESPA, TIL, HMDA, Reg. B, etc. (all mortgage related regulations). Prepared proper disclosures as required by regulations.• Communicated with various companies to obtain Property Survey, Flood Certificate, Title Commitment, and payoff information. Verify vendor orders are complete and invoices received, and all are in the applicant’s efile.

Coronado, California, United States

Bachelor Of Arts (B.A.), Business Administration And Management, General

Diploma