Dennis Kelm Email & Phone Number

United States

Edina, Minnesota, United States

• Manual underwriting, jumbo loans, new construction, private portfolio, Fannie Mae, Freddie Mac, FHLB, FHA, VA, USDA and bonds.

Shoreview, Minnesota

• Decisioned the most complex risk, high profile, self-employed transactions.• Decisioned Bond, FHA, VA, USDA, Jumbo, and non-QM loan products.• Monitored pipeline management and operational support in compliance with all Service Level Agreements (SLA’s).• Managed investor and agency relationships, QC, external audits, action plans, and post-close loan issues.• Mentorship and training to improve the department and continue individual development.• Expanded product line resulting in stronger client relationships.• Oversight of Encompass enhancements to improve the lending processes and capture compliance and regulatory related information.• Maintained current knowledge of agency, investor, and regulatory guidelines and policies.

Minneapolis, Minnesota

• Spearheaded new training initiatives and refined communications to resolve problems and mitigate risks to partners.• Underwriting review and problem resolution across all Joint Venture partners and loan products.• Led cross-functional collaboration with agency relations, compliance, legal, government lending, and risk management departments to execute change processes and controls for compliance, credit policy, and government deficiencies, including FHA/VA Deficiency reporting, 92900/1802a revisions, 4155.1 Handbook review, VA LAPP process, and California compliance remediation.

Eden Prairie, Minnesota

Minneapolis, Minnesota

FHA DE / VA SAR / USDA / Jumbo / Non-conforming / Private Banking

Minneapolis, Minnesota

Golden Valley, Mn

Bloomington, Mn

Supported the Bloomington site as the fulfillment trainer and subject matter expert (SME) for all new initiatives while providing underwriting support within multiple business lines.• Private Banking, Non-conforming and Government Lending.• Led a team of 9 underwriters in the Direct business channel.• Complex financial situations expert for high caliber clients, which included: tax analysis/returns, trusts, co-ops and, estates.• Performed monthly compliance and agency audit reviews.