Douglas Cramer Email & Phone Number

Myrtle Beach, South Carolina, United States

Montgomery, Ny

-Manage a staff of 9 employees that include mortgage and consumer loan processors, the appraisal specialist, and quality control.-Oversee the day to day operations of Originations, including but not limited to fielding customer complaints and resolving issues on files when they arise so they do not become a customer service issue, balancing General Ledger accounts, and authorizing payments on invoices.-Act as liason between sales and operations.-Participate in all audits and reviews, both internally and from external regulators-Approve all time cards, annual reviews, compensation increases, and disciplinary actions.-Involved in the interview and hiring process for new employees, as well as meeting involving the structure and needs of the department.-Hold monthly meetings and research training classes outside of the bank required ones, in order to further develop and advance the processing staff..-In Lieu of a Senior Vice President, I have the following temporary responsibilities: Attend Department Head and ALCO meetings on behalf of a retail Lending; work with the Underwriting staff and Closing Vice President to consider exceptions with regards to documentation and rates, and work with Marketing to ensure MLO’s had what they needed with regards to flyers and other handouts.

New Windsor, Ny

Milford, Pa

-Manage on-site labor teams, create personnel schedules and supervise payroll.-Oversee the completion of necessary projects on all job sites.-Evaluate job sites and write work orders to be completed by laborers.-Evaluate landscapes for current and potential issues and resolve said issues by changing the design, creating a pest maintenance program or providing other solutions depending on the problem that exists.-Develop, setup and maintain company’s website, newsletters and Facebook account.

• Managed various financial audits, including document research, collection and organization; analyzing financial data and charts; preparing engagement letters pertaining to forensic cases; writing preliminary reports for review by forensic accountants, and memorializing all materials relevant to the cases.• Supported three principals with various tasks such as scheduling; organizing corporate client tax return information and ensuring timely filing; and repackaging data in Excel and QuickBooks format. • Administered firm communications including the website, updating content regularly and formatting layout for advertisements; and a monthly email newsletter distributed to all clients.• Collaborated with the Office Manager for the distribution of work assignments to interns and accounting assistants.• Generated QuickBooks reports for clients and principals.

• Managed the client database and active monthly pipeline, spearheading concerns arising from title/lien issues, appraisal deficiencies, and validation of credit documentation.• Conducted direct meetings with potential clients in order to determine credit qualification, documentation requirements, and program eligibility, matching our best product to their mortgage needs. • Facilitated closing activities with attorneys, realtors and contractors as required to ensure prompt and timely delivery of mortgage closings. • Maintained meticulous records of branch gross proceeds based on loans closed.• Obtained a Mortgage Loan Originators license (NMLS #205788) as required under the Safe and Fair Mortgage Licensing Act of 2008 (part of the Housing and Economic Recovery Act of 2008.)

• Supported the sales team by collecting and verifying credit documentation, meeting all underwriting requests and satisfying closing requirements.• Assisted junior processors in the oversight of active pipelines and open loans. • Maintained ongoing relationships with all approved investors for quick placement of mortgage loans, providing the best service and rates for our clients.

• Assisted loan officers, attorneys, and realtors with servicing potential and existing clients; charged with anticipating and rectifying potential pitfalls in order to expedite closing.• Managed phone calls, gathering documentation and providing follow up for processing requests for the firm’s loan officers. • Managed pipeline reports.

• Supervised a staff of nine bank tellers, managing work schedules and balancing time off requests; recommended accolades and reprimands to the branch manager, as necessary. • Given signing authority in the lieu of the branch manager or assistant branch manager; maintained report of monthly sales goals; educated clients on various product offerings.• Appointed as liaison to local branches following the merger of Valley National Bank with Ramapo Bank; ensured that Ramapo Bank branches complied with Valley National guidelines; addressed customer and employee concerns promptly regarding the integration of teller and platform processes.