David Huber Email & Phone Number

Bloomington, Mn

Property inspection review, financial statement analysis, watchlist/surveillance, draw requests, new loan audits, and other detailed projects for the department.

United States

• Conduct credit analysis including gathering, analyzing, and interpreting credit information• Ensure seamless customer experience through excellent time management and effective follow up• Leverage strong analytical and problem-solving skills to efficiently determine outcomes• Clearly articulate research and rationale supporting plan of action to influence decision makers• Tactfully counsel bankers on proper loan structure and communicate applicable logic• Strong technological skills including advanced skills with Microsoft office suite• Effectively document, present, and communicate information remotely• Excellent QIS record while meeting production expectations, over 400 files reviewed.

Crystal, Mn

Manage personal real estate investment portfolioLeverage spreadsheets to analyze Cap rates, cashflow, ROI, ROE, NOI, CCR, RCR, etc.Perform market analysis to determine appreciation rate for localitiesManage renovation projects to ensure quality work is performed within budget

Bloomington, Mn

• Manually review mortgage loan files for purchase, R/T refinance, and cash-out transactions. • Ensure all files are complete, accurate, and conform to Verus Mortgage Capital guidelines.• Verify several income types including 1099/self-employed, w-2, and investors utilizing bank statements, tax returns, and lease agreements. • Thoroughly review subject appraisals to ensure value supports qualifying loan amount, as well as conformity to current guidelines. • Analyzes fraud reports and credit reports to ensure all red flags are addressed and explained prior to closing. • Ability to review asset documentation to verify cash to close, as well as meeting program monthly reserves requirement. • Review title work to ensure vesting accuracy, sufficient coverage amount, and meets all other title policy requirements.

Mendota Heights

• Recognized for consistency achieving 120% of goals for production while maintain excellent quality• Gathered, analyzed, and interpreted credit applications, information, and documentation• Underwrite loans secured with several collateral types, while using appraisal/valuation review techniques • Manage and maintained workflow using excellent organization skills and strong communication and delegation• Developed and maintained a loan portfolio consistent with internal and investor requirements

Saint Louis Park, Mn

Exceed department metrics including Applications per day, BTL 30%, BTALeverage strong judgmental underwriting analysis to determine credit application decisionsSelected to help test and rollout a new production system due to attention to detailDemonstrate thorough understanding of product/process by efficiently fielding inbound callsDeveloped mentorship skills while by providing strong leadership to branch partnersProvide excellent documentation to mitigate risk and ensure adherence to compliance

Eden Prairie

Maintain excellent production metrics exceeding department goals by over 20%.Used consultative sales skills to match products according to customer needRecognized repeatedly for excellent customer service and collaborationGained valuable credit experience credit underwriting and leveraging lending guidelinesNamed Team CIO captain for team due to seniority, experience, and knowledge of processPerformed loan documentation verifications including income verificationsGranted coveted escalation capability due to superb ability to analyze risk

Minneapolis, Mn

Answered inbound phone inquiries, while offering several mortgage loan offers Gained proficiency in several government programs including HAMP/HARP Offered rate locks, and reviewed potential loan terms for purchase/refi/refi-cash outDeveloped sales/consultation skills while providing excellent customer serviceTracked all prospects and build a pipe of business using organization skills and follow upDemonstrated flexibility by changing teams frequently and offering several programs

• Consultative sales for cellular phones and coverage plans to customers• Provided store leadership by mentoring less experienced team members• Awarded for excellent production, top sales, and excellent product knowledge• Resolved complex customer billing issues while providing top notch customer service• Developed face to face consultative sales skill on a variety of products and service

Eau Claire, Wisconsin Area

Bs, General Business Administration

Activities and Societies: 3 sport team captain 2 X National qualifier, Place in top 100 in national meet Technical Component.

General Studies, Business Administration And Management, General

Activities and Societies: Concert Choir Leading role in high school play Multi-year Cross Country, Wresting, and Track and Field Team.