Daniel Waring Email & Phone Number

Riverside, Il, Us

• Identify potential risks and mitigating factors that could impact the customer’s ability to repay the loan.• Audit mortgage loans post underwrite for high net worth individuals.• Ensure the underwriter adhered to mortgage lending regulations and appropriate credit policies.• Identify policy and procedure gaps, while introducing new ideas in internal procedures in an effort to improve overall customer experience.• Rate Lock audit, as well a Decision Letter oversight.

• Evaluate customer’s financial liabilities, credit history, employment and income to calculate the risk of extending credit to loan applicants.• Evaluate and determine the capacity of borrowers to repay their financial obligations.• Review and verify income statements, tax returns, and other financial documents to develop a borrower’s profile and arrive at a credit decision.• Work closely with mortgage bankers and support personnel to verify accuracy of loan applications, while proposing revisions if needed to accomplish a counter offer where the original requested terms may not be available.

• Call on referral generated and existing clientele in residential real estate loans. I specialized in FHA, VA, HARP, Jumbo, Conforming, and Non-Conforming loans.• Accurately and efficiently researched investor guidelines, in addition to corresponding and internal “over-lays” to provide the best possible opportunities to my clients. • Accurately priced loans to offer clients the best rate and terms available, while meeting or exceeding corporate objective.• Collection and analysis of client’s financial documentation to assure accuracy in assessing their creditworthiness. • Provided world-class customer service and respectful, consultative guidance to my clients.

Chicago, Il, Us

• Assisted referral generated and existing clientele in residential real estate loans. I specialized in FHA, VA, HARP, Jumbo, HomePath, Conforming, and Non-Conforming loans.• Aggressively called leads supplied from a variety of online lead generation sources to secure their business in a highly competitive sales environment.• Accurately and efficiently researched investor guidelines, in addition to corresponding and internal “over-lays” to provide the best possible opportunities to my clients. • Accurately priced loans to offer clients the best rate and terms available, while meeting or exceeding corporate objective.• Collection and analysis of client’s financial documentation to assure accuracy in assessing their creditworthiness. • Partnered with real estate agents, processors, loan coordinators, management, and underwriters to exceed customer expectations by closing their loans fast, and on time. • Provided world-class customer service and respectful, consultative guidance to my clients.

Charlotte, Nc, Us

• Assisted referral generated and existing clientele in residential real estate loans. I Specialized in FHA, VA, HARP, Jumbo, Conforming, and Non-Conforming loans. • Collection and analysis of client’s financial documentation to assure accuracy in assessing their creditworthiness. • Solely responsible for processing all necessary files from initial application to loan closing.• Supported a number of retail branches in assuring their loan goals were achieved and exceeded. • Proactively cross-sold retail and business banking products and investment referrals to other departments within the bank.• Actively networked with real estate agents and developers to build loyalty and referrals.• Provided world-class customer service to retail and commercial clientele.

Edinburgh, Scotland, Gb

• Self-sourced commercial banking opportunities to businesses with a gross annual sales size of 10 million and under within the downtown and surrounding Chicago market.• Ranked 8th out of 170 Business Banking Officers in the Midwest footprint for the year 2011. Ranked 2nd in the downtown Chicago Metro team.• Managed a portfolio of existing commercial banking clientele. Responsibilities included deepening their relationships within the bank, offering consultative financial advice, while preventing attrition. • Managed as many as 7 branches within my territory to ensure all business banking goals were achieved and exceeded. • Identified and executed unsecured, real estate secured, and other collateral based lending opportunities to new and existing commercial banking clientele.• Closed sales of commercial deposit accounts, investment solutions, cash management, foreign exchange, and credit card processing solutions.• Analyzed business and personal financial reporting, while developing strategic solutions to further client’s financial-planning goals.• Closed retail banking products and services such as residential mortgages, second mortgages, investment solutions, checking and other opportunities within the bank.• Provided world-class customer service to commercial and retail bank clientele.

Us

Retail & Business Banking sale and support for existing & new clients of the bank.Real estate collateral based lending (1st and 2nd mortgages on residential properties)

Chicago, Illinois, Us

Marketing and promotions geared toward generating new corporate and leasing clientele.Licensed Residential Real Estate Leasing Agent

Washington, Dc, Us

The National Organization on Fetal Alcohol Syndrome (NOFAS) is the leading voice and resource of the Fetal Alcohol Spectrum Disorders (FASD) community. Founded in 1990, NOFAS is the only international non-profit organization committed solely to FASD primary prevention, advocacy and support.

Bachelor Of Business Administration (B.B.A.)

Bachelor Of Arts (B.A.)