Mark Reames Email & Phone Number

Columbus, Ohio

Obtain Kentucky Housing Corporation dedicated underwriting authority Obtain VA credit lending Authority Obtain Florida Housing bond Authority

Coulumbus Ohio

Analyzed and conditional FHA loans approve/eligible, manual underwrites. Completed detailed analysis of client personal assets, income and liabilities. Analyzed personal and business tax returns for income qualification for home mortgage loans. • Worked offsite at home office self-maintained daily workflow.• Have over 90% Net Promoter Score or NPS (customer’s scores of 10, 9), this is a based on fundamental perspective that every company’s customer can be divided into three categories: Promoters, Passives, and Detractors. Promoters are scores 10 to 9 which stands for loyal enthusiasts, Passives are scores 8 to 7 which are satisfied but unenthusiastic customers who are vulnerable to competitive offerings. Detractors are scores 6 to 0 which are unhappy customers. This is a system major companies used like USAA, Apple, Dillard, and Nordstrom. The national company average is 6% base off 2014.• Top individual customer service score in the company for the third quarter in 2015. • Presidents club winner for the whole year 2015. This award is given to very few people from each department and division • Winner of ahhhwards (this is a company created award that is voted on by top management group of people that stood out the most, there are only 6 people that win this award for each year). Won for top underwriter for 2015.• Received 100% customer service score for the month of May 2017

Help Mortgage Company receive their HUD lending approval. Help set up mortgage insurance company approval for non-delegated underwriting.• Created stander lists of conditions in Calyx Point (Loan Origination System)• Organized and arranged office meeting to help develop underwriting department getting started.

Analyzed and conditioned Conventional and FHA approved and manual underwritten mortgage loans. Completed detailed analysis of personal assets, income and liabilities for clients to secure an accurate decision to complete the loan process. Filled in for mortgage underwriter manager when out of office.• Underwriter an average of over 65 initial loans per month, with an average over 10 loans review per day.• Top underwriter in the office with productivity and quality.• Helped underwriting manager develop daily underwriting workflow.• Developed and presented training calls for regional area to help improve turn times and customer service. Results from training calls increased the number of mortgage loans from application date to closing date within 30 days by over 15%.

Requested and reviewed items needed from customers in order to complete the loan process. Analyzed and reviewed real estate appraisal reports for home mortgage loans. • Process and manage pipeline for top production sales officers.

Underwrote Conventional and FHA home loans which included refinances and purchases. Loan Processor for new construction, purchase and refinance teams. Analyzed settlement statements for compliance and reconciled accounts payables. Printed and mailed checks or sent wired funds to settlement agencies for loan closings.• Maintained an average of 75 pipeline loans per month.• Piloted a job position to help improve turn times for customers by underwriting, processing, and closing the loans; being the only one point of contract though out the process.

Responsibilities: Enter data into systems to manage pipelines and printout reports for senior management. Verify and enter accounts payable checks and credit card transactions from customers. Prepared and mailed out loan documents both internal and external customers.