Jason Flowers Email & Phone Number

United States

Cleveland/Akron, Ohio Area

•carefully reviews all files analyzing highly complex borrower documentation to determine income and repayment ability, analyzing borrower asset statements, determining housing and expense ratios, identifying any potential fraud and determining proper loan resolution. These complex transactions require use of specialized systems and tools, processing and data entry.•Communicates the decision for all approval, suspense, and denial files directly to the appropriate individuals within the Correspondent's Operation while upholding fair lending practices of JPMorgan Chase Mortgage.•Maintains up-to-date knowledge of relevant Underwriting policy and procedures practices effecting underwriting decisions. Interacts with the Correspondent to ensure timely resolution so borrower is not adversely impacted.

Cleveland/Akron, Ohio Area

• Carefully reviews submitted files for adherence to Chase credit policy and Agency guidelines.• Works to ensure loans meet all program and product specifications.• Demonstrates excellent analytical and decision making skills.• Communicates loan decisions and deficiencies with clarity directly with our Chase customers.• Adhere to all JPMorgan Chase fair lending practices.• Remains up to date and knowledgeable on all Chase policies and procedures.

Cleveland/Akron, Ohio Area

• Serves as a Underwriter with a conventional underwriting designation within the mortgage banking team.• Carefully reviews conventional submitted files to analyze for capacity, capital, character, and condition; also ensures that loan requests meet program and product specifications.• Communicates loan decisions (approval, counteroffer, suspense, denial) to appropriate associates within the organization.• Supports fair lending practices and consistently meets targets for productivity, quality and customer satisfaction, and performs sound review of submitted files considering all possible solutions with both our operations and sales partners.• Assists in mentoring new underwriters in sharing best demonstrated practices to help develop a stronger performing team that collectively meets organizational goals.

Cleveland/Akron, Ohio Area

• Key duties included processing and preparing retail mortgage loans for closing, including conventional, purchase, and refinances.• Effectively communicated with customers, loan officers, and underwriters to resolve issues with complex files.• Obtained and reviewed documents to ensure they were in acceptable condition to meet loan conditions with the loan officer; also coordinated with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents.• Built effective relationships and partnered with attorneys, realtors, condo or cooperative building management agents, appraisal management companies, and borrowers to guarantee a timely loan closing. • Provided direct assistance in reviewing files for peers to check for quality compliance errors, and assisted in file coverage for peers who were out of the office to ensure that the team achieved monthly goal objectives.• Also assisted in the mentoring of new purchase processors to develop strong performance and demonstrate best practices.• Consistently achieved monthly goal objective on total loans funded during position tenure.• Consistently achieved monthly file quality review score objectives during position tenure. • Consistently achieved call monitoring quality review score objectives during position tenure.• Selected to serve on the Purchase Team to focus on specific workload challenges.

Beachwood Oh

• Served in a strategic capacity and contacted customers with delinquent accounts and negotiated terms to assist them in making payment arrangements.• Implemented collection strategies to help clients maintain good credit histories while minimizing credit losses to the company.• Maintained high customer satisfaction while consistently achieving monthly individual and department goals.• Contributed leadership in several areas, including providing assistance in mentoring new hires in training classes, and providing coverage for on the job training with new hires.• Also Conducted mock board reviews for new hires to prepare them for successful board reviews on the floor.

Beachwood, Oh

• Conducted heavy telephone and online communications with customers on a daily basis, soliciting balance transfers and cash deposits on customer accounts while also cross selling additional products.• Thoroughly explained rewards programs to customers, resulting in the activation of accounts and additional retail usage.• Performed peer interviews to assist with new hire decisions, assisted in the mentoring process with new hires, and provided management coverage when necessary.

Beachwood, Oh

• Determined risk through the development of the credit application and took appropriate risk actions; applied judgmental lending principles to decision consumer loan applications.• Closely analyzed credit reports and clarified inconsistencies by asking open ended questions. • Assigned the appropriate credit lines while cross selling new bank products with additional value for the client.• Received lending authority to assign unsecured credit lines to customers.• Served as a Business Leader and performed within the Business Unit Rotation based on strong work performance.• Served as a mentor to new hires on the team, resulting in decreased ramp up periods.

Richfield, Oh

• Essential duties including calling upon potential customers to solicit and complete mortgage applications.• Reviewed credit and income documentation to prequalify customers for appropriate mortgage loans.• Contacted lenders to find the best mortgage programs for clients; arranged and scheduled home appraisals.• Contacted home insurance companies, title companies, and organized files for the client. • Recognized as a Top Performing Team member and earned membership within the Associates Milestone Club.• Assisted in mentoring new hires.

Bachelor Of Business Administration (B.B.A.), Information Systems Management

Activities and Societies: Scholarship Track Athlete; 800 meters and 1600 meters relay team

Education record