Keith Hawkins Email and Phone Number

• Support team performance in identifying control failures in bank processes, procedures, customer, or colleague decisions• Provide feedback and present ideas for improving or implementing processes and tools within fraud and claims functional area• Perform complex operational tasks, including review, verification, and identification of customer transactions to detect and prevent fraud, policy violations or resolve merchant disputes in order to mitigate and recover losses• Provide subject matter knowledge and interpretation of procedures to less experienced staff• Interact with fraud and claims functional area on a wide

· Reviewed credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and/or other supporting documentation to recommend/approve requests within decisioning authority levels by way of an automated scoring system or traditional underwriting· Assisted with the calculations and preparation of reports for review· Responded to customer inquiries and credit decisions· Ensured credit files are current, complete, and compliant with company standards· Contacted customers and partners to gather information to make appropriate decisions, explain the rationale behind credit decisions, and/or offer or recommend products based on customer needs

Preparing and reviewing Loan Closing packages and paperwork Ensuring the accuracy and completeness of all required documentsManaging and resolving any concerns, problems, and documentation issuesActing as an intermediary between all parties involved in mortgage loan transactions Ensuring closing details comply with state and federal regulations Coordinating mortgage closing proceedings Maintaining accurate closing schedules

∙ Timely and clear communication with customers, HMCs, settlement agents, brokers, and other counterparties to obtain missing information and documentation for the loan file∙ Obtaining and clearing some approval stipulations∙ Ensuring all compliance and underwriting guidelines are met∙ Prioritizing and/or managing assigned pipeline to meet the anticipated closing date and performance metrics.∙ Follow up with clients to clarify important points∙ Finalize loan contracts and keep clients informed of rules and obligations∙ Work within established regulations and always adhere to law requirements.

Conducted Credit Analysis and applied Judgmental underwriting logic to decision application for Wells Fargo Home Equity Mortgage Team ∙Performed Risk Assessments comparing income/credit analysis and document reviews to minimize risk while maximizing profitability for Wells Fargo ∙Reviewed appraisals and produce appraisal reports to ensure the collateral is acceptable to Wells Fargo Home Equity guidelines ∙Obtained Lending Authority to underwrite Wells Fargo Home Equity Lines of credit up$150,000.00 ∙Ensured loans adhere to Wells Fargo Home Equity Policies and guidelines by administering Risk Analysis and Judgmental reasoning ∙Reviewed Loan-to-Value Ratios and Debt-to-Income Ratios to determine the acceptability of applicants for the Wells Fargo Home Equity Mortgage Team∙Reviewed Loan Funding through Closing Documentation to determine the acceptability of each applicant’s loan file for the Wells Fargo Home Equity Mortgage Team

∙ Analyzed customers’ financial position to resolve delinquency by evaluating and ensuring overall loan documents are accurate, complete, and compliant.∙ Managed a monthly portfolio of over 130 plus Mortgage Loans∙ Demonstrated the proven ability to analyze intricate financial documents∙ Processed residential workout assistance applications∙ Monitored Loans for the successful completion of workout assistance programs ∙ Communicated with customers, realtors, and Attorneys to provide the current status of reviews and decisions

∙ Managed a monthly portfolio of over 130 plus Mortgage Loans∙ Demonstrated the proven ability to analyze intricate financial documents ∙ Processed residential workout assistance applications∙ Monitored Loans for the successful completion of workout assistance programs ∙ Communicated with customers, realtors, and Attorneys to provide the current status of reviews and decisions∙ Promoted to Senior Collector working in late stage/Loss Mitigation BOA HELOC Unit∙ Successfully collected on and assisted mid-stage delinquent BOA HELOC customers to prevent further delinquency ∙ Rewarded "Top incentive payout" for instrumental role in driving record-high account rollbacks from delinquency ∙ Agreed to manage a monthly portfolio of 20-25 loans outside of dialer day-to-day obligation