Dawn Stoler Email & Phone Number

• Created the wholesale workflow and underwriting process.• Developed Broker Approval Process• Responsible for training of new underwriters• Responsible for training of new employees for the Wholesale group.• Investigated, reviewed and recommended new LOS system currently in place that accommodates both retail and wholesale lines of business.• Manage underwriting turn times for both retail and wholesale.• FHA approval for both Willow Financial Bank and Harleysville National Bank.

• Oversaw daily operation for wholesale branch office that funded $100M in mortgage loan production per month.• Trained, supervised and evaluated staff.• Set performance objectives which resulted in reduction of overtime hours from 300 per month to 60 in just 30 days.• Refined and implemented new file flow process which increased number of loans through the system by over 200 per month, reduced underwriting turn time from 5 days to 2, with no additions to the operations or sales staff.• Communicated operational objectives to the sales team which enabled them to effectively communicate these changes to their broker partners. • Set up, Underwrote and closed loans as necessary.• Directed recruitment, and retention of supervisors and staff of 28 employees.• Instrumental in creating program that rewarded every employee if the branch achieved the production goals for the quarter. (i.e. picnic, professional baseball game, etc)• Developed and managed bonus program• Received MPA (Mortgage Planning Advisor) designation.• President’s Club member 2005 and 2006.

• Lead team of 7 underwriters to effectively underwrite mortgage loans to investor guidelines with minimal over all risk to the company.• Redefined CRA (Community Reinvestment Act) mortgage programs enabling more low to moderate income borrowers qualified for the program.• Responsible for communicating changes in underwriting guidelines to operations and sales staff.• Part of system task force responsible for testing computer software program for implementation to all production staff members.• Received VA SAR (Senior Appraisal Reviewer) designation which enabled me to underwrite Veterans Administration loans and review their appraisals.

Underwrote a minimum of 5 loans per day for both retail and wholesale.

Lead team of 10 employees that effectively processed, underwrote and closed mortgage loans while reducing post closing issues by 75% in a 4 week period and continued to maintain minimal issues going forward.Responsible for building laptops for the new loan officers and training for same.Laptop CoordinatorManaged point of sale technology integrations for the company which included review and purchase of software, implementation, and training.Employee of the Year Nominee.UnderwriterUnderwrote loans for both retail and wholesale.Responsible for updating policy and procedures as required.Received De Underwriter designation.I held multiple positions within this company including processor, underwriting assistant, as well as positions in the loan servicing area.