Jonathan Bellomo Email & Phone Number

San Diego, California, United States

Greater San Diego Area

Directed credit and underwriting oversight, supporting the lending for Private Wealth, Retail, Wholesale, and HELOC channels. Managed a team of Senior Credit Administrators across multiple mortgage products, a pre-fund QA team which audited every product set including credit cards and a cash flow analysis team.• Aligned as Credit Lead on internal and external exams and audits to achieve strong results and avoid remediations.• Drove policy and procedure changes and improvements working closely with Chief Credit Officer including leading the complete overhaul of Portfolio and HELOC Underwriting Manuals which led to doubling the funding volume year over year, decreasing the average days to close by 35%, and more than doubling the deposits and investments generated by new customers due to policy and efficiency improvements.• Ensured underwriting quality via defect trending from pre-fund and post-fund audits and facilitated training, including new hire and ongoing continuous improvement to support profitability and a 15% reduction in costs.• Collaborated on policy and procedure updates to ensure a high level of compliance paired with organizational efficiencies.• Oversaw the granting of and increasing credit authority for underwriters in all channels establishing compliance with company and contractual requirements.• Operated with full Portfolio exception authority including $4M signing authority and $2M HELOC authority.• Collaborated with other departments as required by the business; led a team for PPP underwriting and auditing helping the Bank navigate through a 400% increase in SBA loan application volume.• After U.S. Bank acquisition handled multiple close out functions for conversion and transition requirements including external exam management which all resulted in satisfactory results with no remediations.

Greater San Diego Area

Oversaw Underwriting Team for the San Diego Retail Site, as well as all Private Bank and Private Wealth loans in Residential Lending. Operated with high level signing authority as well as exception authority using prudent judgment. Member of numerous Residential Lending committee and project teams to help the Bank advance and grow.Coached and mentored Supervisory staff to grow and advance career paths and achieve better management of complex loan transactions.

Greater San Diego Area

Underwrote complex, high balance loans with $2M signing authority, including high profile Private Bank clients.• Promoted to UW Team Supervisor in less than one year; delivered production goals, second signing, training, and reports for 14 Underwriters in two locations.• Cultivated detailed narratives and analysis for alternative approaches on complicated files in lieu of exceptions to ensure quality loans for the Bank.• Completed second reviews for underwriters in training as well as contractors.• Assessed difficult loan decisions with Mortgage Consultants to establish complete comprehension of decision and provide excellent communication to fortify the relationship.• Implemented new expansion UW Team in Brea, in addition to San Diego Team, with oversight over both teams.

Reviewed and analyzed complex loan files as directed by management. Supervised team members to ensure productivity including planned and on the job training. Ensure quality and compliance on loans to guarantee salability.• Managed escalated calls from clients, ensuring clear communication and driving customer service levels by 25%.• Delivered and followed up on special projects as requested by upper management.

San Diego, California, United States

San Diego, California, United States