Clif Gustafson Email & Phone Number

-Targets opportunities to streamline processes through the application of technology and outsourcing solutions to deliver value for clients-Creates governance structure for BPO providers to ensure quality and long-term scalability of vendor relationships-Builds company culture translates across all borders and we have integration from our partners into our stated Core Values through international relationship building-Develop KPIs and SLA's that can be built into contract governance so onshore users have standardized experience across all different types of team members and solutions-Develop company business plan tool to fully assess the financial, legal/risk, communication, and technology impacts of new outsourcing business to our COP and serve as governing document for new ventures-Interface with stakeholders to determine specific needs, what resources we can find in the space, and how we can streamline our processes for optimal deployment of offshore/nearshore talent paired with technology-Find and develop relationships with new strategic partners within the outsourcing space for future partnerships and new vendor deliverable opportunities while evaluating new countries for potential operations-Conduct risk assessment for new external vendor partners to determine capabilities and suitability within our business track. Ensure that benefits of new partner appropriately offset the risk posed by new external partner.

Virginia Beach, Virginia, United States

•Manage a Team of Mortgage Underwriters and provide direct support for day to day operations•Manage work flow and overall pipeline to ensure management of turn times and prompt closings•Review and clear higher risk loans with additional analysis to mitigate risk•Train and develop Underwriter's for individual careers for growth during changing guideline period•Continue to maintain all designations and underwriting requirements with focus on maintaining current knowledge of FNMA, FHLMC, Ginnie guidelines•Review all manual underwrites and have signing authority for higher risk VA loans•Analyze all QC errors for entire underwriting team and determine trending issues for future training•Help mitigate current post closing errors in timely manner in order to ensure prompt deliver of audited files to investors.• Build strong relationships with sales teams and managers in order to ensure customer service goals are being met to support sales team during origination process.• Well organized and motivated with proven success working in a team environment

Virginia Beach, Virginia, United States

• Active CHUMS ID• Active VA SAR ID• Analyze income, asset and credit documents for risk analysis in determining credit worthiness• Review and approve property appraisals• Authorized to underwrite conventional and all government products including VA, FHA & USDA• Utilize FNMA DU, Freddie Mac LP, and USDA GUS reports as well as manually underwrite• Experience using Microsoft Office Suite, Byte, PC Lender, Virpack, and Ellie Mae AIQ• Strong knowledge of mortgage lending requirements, procedures and regulations• Build relationships with internal and external partners• Proficient in State Mortgage Bond lending including: VHDA, GA Dream, TN Housing, SC Housing, NC Housing, Florida State and County programs, and Texas SETH program• Highly skilled risk analyst with the ability of looking at complicated financial data and determining suitability and approval for credit worthiness

Virginia Beach

-Prepare and review loan documents for final submission to mortgage underwriters-Directly work with Loan Officers to prepare files for underwriting submissions-Directly work with borrowers to get conditions, assets, and loan documents in order to prepare an accurate and complete mortgage applicant.-Help support team development and ensure pipelines stay on track to maintain daily SLA's-Train and educate new processors to the team and company standards for all new hires

Virginia Beach, Va

-Prepare and review loan documents for final submission to mortgage underwriters-Directly work with Loan Officers to prepare files for underwriting submissions-Directly work with borrowers to get conditions, assets, and loan documents in order to prepare an accurate and complete mortgage applicant.

Virginia Beach, Va

-Valet for local restaurants -Planned and organized Valet Parking for private parties and Large corporate events-Managed valet's in team shifts, consisting up to 8 valets.

Virginia Beach, Va

-Sought out active leads and pursued community based stories for The Virginian-Pilot-Took my own photographs and prepared digital media slide-shows for use on the Pilot's Website-Met editorial deadlines and conformity in a timely manner-Reported on location, giving interviews, gather facts, and determining what was the story(Please see below for some of my published works)

Norfolk, Virginia

-Coordinated and managed the sale and marketing of college textbooks for online sale-Directly managed floor employees for the university bookstore for Old Dominion University.

Norfolk, Virginia

-Helped plan and execute promotional events for local radio stations-Oversaw small promotional campaigns with local businesses-Organized large scale concerts and large speaking events that included networking with local businesses to advertise with new media at these events.-Managed a team of 15 promotional assistants who carried out specific promotional campaigns for businesses.-Conducted live broadcasts for radio stations for live on air remote sessions.