David Rammel Email & Phone Number

Supervised inter-agency communication in order to ensure expedient approval of loans and mortgage insurance. Processed complex mortgage applications by analyzing income statements, tax returns and profit and loss statements and negotiated with applicants to arrive at terms acceptable to all parties.Reviewed and assisted with planning and approval of quarterly and annual budgets for the company.Processes mortgage loans gathering information and documentation; keeping customers and Mortgage Brokers informed of mortgage process.

Reviews KYC information for accuracy and completion and determines proper risk rating according to the clients’ profile.• Research, analyze and evaluate required KYC information on Chase Wealth Management clients• Validate the clients’ activity by interacting with the assigned Banker to obtain explanations on transactions and gather additions due diligence information.• Risk rate the customer based on assessment of the risk profile taking into account customer products, geography, transaction history and other relevant information.• Provide detailed documentation of the due diligence performed within a centralized case management system.• Determine appropriate action to be taken based upon the customer review.• Provide next step recommendations to KYC management, escalate issues as appropriate

Columbus, Ohio Area

Processes mortgage loans gathering information and documentation; keeping customers informed of mortgage process.• Selected to manage team of 10 Mortgage Loan Processors on temporary basis due to proven high performance, exemplary leadership and team commitment. • Trained new Mortgage Loan Processors on how to interpret credit reports & property titles, analyze financial reports, provide best practices in resolving conflict and how to communicate high-level service to customers which decreased processing time resulting in increased production.

Meets with customers to assess their needs to acquire new accounts and deepen their relationship by cross selling other bank products to meet those needs. Counsels customers on asset allocation to best meet their short and long term goals. Originates and closes loans. Refers customers to business partners in order to deepen their relationship with the bank. Works with customers to reconcile any issues they may have.

Initiated and implemented Federal Housing Administration (FHA) production and education programs for sales force. Created and supervised quality control program. Established and monitored guidelines and compliance processes for State and Federal Lending Laws. Supervised inter-agency communication in order to ensure expedient approval of loans and mortgage insurance. Processed complex mortgage applications by analyzing income statements, tax returns and profit and loss statements. Marketed multiple mortgage products to potential clients and other companies and agencies to promote opportunities for more business. Negotiated with applicants to arrive at terms acceptable to all parties. Assessed financial performance and risks of potential mortgage defaults.

Initiated and expanded MidOhio Mortgage Services, Inc. from a small mortgage firm of 3 employees to a >$1M revenue producing firm of over 15 employees within 3 years through hiring, motivating, and synergistic marketing. Created Mission Statement for MidOhio Mortgage Services, Inc. Initiated and implemented Federal Housing Administration (FHA) production and education programs for sales force. Created and supervised quality control program. Supervised inter-agency communication in order to ensure expedient approval of loans and mortgage insurance. Instituted guidelines to promote conflict resolution between the origination department and processing department. Marketed the full range of FHA mortgage and conventional mortgage products to potential clients and businesses. Reviewed and help plan and approve quarterly and annual budgets for the company. Assessed financial performance and risks of potential mortgage defaults. Oversaw FHA regulations and compliance and met with auditors to ensure company followed all regulations. Acted as pre-underwriter, making sure loans that were viable before sending them to underwriting. Instituted a peer review program for particularly difficult loans.