Daniel Frein Email & Phone Number

Des Moines, Iowa, United States

- Oversee the day-to-day operations of a 10-person commercial loan closing team distributed across the US and a remote team of 20 offshore contractors in India, including in-depth transaction, documentation, and underwriting guideline evaluations to address all risk factors and ensure regulatory compliance.- Led the on-time and on-budget delivery of critical projects, including reviews of the monthly A/P reconciliation report, risk analyses, account balances, and onboarding/training for dozens of local and remote team members.- Initiated and coordinated the funding process with equipment vendors and customers, including Oracle, Amazon, and Wal-Mart, by gathering the required documentation and ensuring the accuracy of financial agreements.

Des Moines, Iowa, United States

- Conducted lease and loan transaction audits within the Wells Fargo Financial dealer finance portfolio to ensure alignment with underwriting guidelines, Federal regulations, and state-specific requirements and resolve pricing compliance issues.- Ensured that security interest in collateral was compliant with company and legal policies and procedures by reviewing equipment being financed, customer financials, and the yield of the deal to minimize financial risk.

Des Moines, Iowa, United States

- Reviewed complex client financial documents, such as income documentation, asset documentation, credit reports, and tax returns, and determined the eligibility of delinquent borrowers for available retention options, including loan modifications and repayment plan options to avoid potential foreclosures. - Analyzed customer profiles and performed comprehensive reviews of income documents, expense sheets, and tax returns to determine the affordability of potential options for 20 clients per week.- Worked closely within the FHA portfolio to ensure the alignment of all aspects of the review process with government regulations and internal company policies.

West Des Moines, Ia

- Conducted processing and pre-underwriting, including income and asset analysis of customer documentation for an active pipeline of 50 purchase loan transactions within a joint venture initiative between USAA and Wells Fargo while following government policies and procedures, including Conventional, VA, and FHA guidelines.- Maintained close and consistent communication with customers, realtors, and attorneys from across the country from the point of initial underwriting to the closing of the purchase and refinancing loans as a Lender Representative.

- Worked with customers to process and ensure the timely completion of mortgage refinance transactions.- Reviewed and analyzed customer documentation, such as pay stubs, bank statements, and insurance statements, for approval based on government and lender guidelines.