Kat Downs Email & Phone Number

Provided leadership and strategic direction for development, configuration, and best practices for Windows System in Encompass. Played key role in creation of advanced coding, business rules, and automations, along with contributing to system analysis and deficiency analysis. Demonstrated proficiency in Workflow Development and Redevelopment, providing daily System Administration Support, and guiding compliance and configuration. Showcased expertise in Custom Coding and Input Form Development, and configured systems for Home Equity Line of Credit Implementation.● Drove development of Encompass Windows System, implementing best practices and advanced coding to enhance system performance.● Performed system analysis and identified deficiencies, developing remedial strategies to improve system robustness and reliability.● Managed Workflow Development and Redevelopment, extending support for daily System Administration and ensuring compliance configuration.● Showcased proficiency in Custom Coding and Input Form Development, tailoring system for Home Equity Line of Credit Implementation.● Spearheaded efforts in system optimization, saving up to $6000/month in mortgage processing underwriting and closing.● Participated in daily SCRUM teamwork using Agile methodologies on Jira/Confluence boards

Directed team of 7 in Implementation, Development, and Support (IDS) division, facilitating development of Mortgage Loan Origination software and web solutions. Managed full project lifecycle, maintaining focus on efficiency, quality, and timely execution. Led multiple utility and plug-in product development projects, providing daily system administration support and ensuring regulatory compliance.● Led development of Community Reinvestment Act Lending Utility, identifying qualifying mortgage borrowers and properties.● Streamlined quality control in Mortgage Loan manufacturing process through creation of Quality Control Utility.● Improved accuracy of residential property data by developing Appraisal Review Utility that dynamically reviews appraisals.● Initiated and led weekly team meetings and daily huddles, fostering collaborative team environment and facilitating open communication.● Contributed to development of KensieMae KMU eLearning platform and content, enhancing team training and skills development.

Chaska, Mn.

* Mortgage operations consultation, development and policy and procedure implementation.* Primary Encompass Loan Origination System Admin and Developer, Super Admin Access. * Creator and member, Portfolio Loan Approval Committee. * Creator and member, Request for Change Board.* Lead a team of Processors and Loan Coordinators responsible for customer service and processing of residential mortgage loan applications, 7 direct reports.* Provide support to Mortgage Banking Officers in our bank branches to assist them in loan origination, manufacturing and Encompass support and training.

Golden Valley, Mn.

Provided leadership for broad spectrum of high-complexity residential loan applications, including Bond, USDA, Renovation, Relocation and Wholesale, with pipeline of up to 250. Managed Special Programs Administration/Investor Relations team and Condo/Collateral processing team, ensuring efficient workflow and high-quality customer service. Developed business initiatives and projects that significantly improved operational efficiency and customer satisfaction.● Streamlined bond authority approval process and city down payment authority approvals, leading to increased loan application approvals.● Spearheaded creation of Collateral Management team, focusing on appraisal processing, FEMA disaster area management, work escrow completion and funds disbursement, appraisal dispute escalations, flood escalations and condo project review/approval.● Led project team of 15 participants in end-to-end system testing of new Loan Originating System, Encompass, enhancing efficiency and accuracy of loan processing.● Built and managed Specialty Product/Investor Relations team responsible for bond authority relationship management, sales training for Specialty products, new program launches, deficiency curative management and guideline maintenance.

 Evaluating risks, offsets and applying logic and credit policy to properly decision home loan applications. FHA DE CHUMS Designation. Reviewing and ensuring overall loan documents are accurate, complete, and compliant. Contacting customers and HMC’s to gather information to make appropriate decisions and explain my logic behind credit decisions.  Staying updated on any changes in underwriting guidelines.  Working with production and sales to resolve questions when necessary.

December 2010 – May 2012 Loan Administration Manager II, Wells Fargo Home Mortgage, Minneapolis, MN. ● Lead the activities of a loan production teams responsible for customer service, processing and closing documentation. ● Provided escalation support between underwriters and customers to ensure timely closings and excellent customer service.● Provided updates and reporting to Sr. Leadership as it related to the performance of the Fulfillment team functions. ● Participated in business line planning for the Fulfillment Site and provided recommendations regarding future direction. ● Lead and managed staff of 25 direct report team members.● Participated in the hiring, coaching, developing and supervising of team members.Business Initiatives and Projects:● Developed, trained and managed a compliance specific Fulfillment team.● Team Lead on the Customer Experience Program project, my team developed the Onboarding Mentor role. ● Lead the design, training and implementation of the “Online VA Fees Review Tool”.● Assisted in converting WFF site to Centralized WFHM and implemented a paperless system, “eImage” to Fulfillment teams.

 January 2009 – December 2010 Loan Document Specialist/Subject Matter Expert/Team Lead/FHA Underwriter – Wells Fargo Home Mortgage, Minneapolis, MN. ● Government and Conventional loan processing/underwriting/closing/funding, DE Chums.● 40% closing ratio with 95% Customer Service rating. Government and Conventional loan processing/closing/funding on LIS system.