Richard Wolfinger Email and Phone Number

Drove efficient mortgage application review and decision-making processes for the N.Y. CEMA team, encompassing both new purchase and refinance cases.Expanded lending authority for complex applications after being promoted to Underwriter 3 for TD Bank's NY/CEMA review team, maintaining top 10% productivity within NY team.Optimized mortgage team performance by tracking and analyzing QA errors through quarterly spreadsheets, leading to a reduction in error rates.Consistently informed management about error trends and provided insights on areas requiring additional training, contributing to enhanced team efficiency.

Underwrote mortgage purchases and refinances, adhering to credit standards, being chosen for a single accountability lender pilot program, and gaining lending authority for larger consumer loan productsResponsible for meeting daily credit decision goals while adhering to TD Bank’s credit policy for ratios and guidelines.Determine and clear all necessary stipulations required on approved credit decisions and authorizing loans to close.Maintain contact with loan processors on condition and status, while monitoring for compliance within the underwriting guidelines.Effortlessly shifted from consumer lending to mortgage team during Covid-19 surge, handling refinance transactions for Fannie Mae, Freddie Mac, and TD Bank portfolios and securing permanent role and subsequent promotionsSelected to review and decision fixed home equity loans while adhering to Dodd Frank government guidelines.Selected to in TD Bank’s pilot program for loan officers to receive basic and tax return income training.

Underwriting and evaluating risks of consumer loans throughout the TD Bank footprint.Responsible for meeting daily credit decision goals while adhering to TD Bank’s credit policy for ratios and guidelines.Determine and clear all necessary stipulations required on approved credit decisions and authorizing loans to close.Maintain contact with loan processors on condition and status, while monitoring for compliance within the underwriting guidelines.Responsible for implementing monthly schedules for unsecured underwriters.Maintain a fiscal year spreadsheet documenting the decision errors of fellow team members.Provide timely support of credit decisions to branch and phone representatives.

Conducted a two day, trainer led loan certification class at TD Bank University. (Consumer Lending 101).Recommended branch personnel for Consumer Lending certification. Responsible for reviewing loan applications taken by the branchResponsible for completing the overdraft list of the branch.Cross-sold loans and other bank products to best match the needs of our customers.Provided referrals to our mortgage, leasing and investment areas where appropriate.Handled customer loan and account issues.Responsible for the loan budget of the branch.Sold life insurance and annuity products to bank customers.Provided weekly loan reports for the Branch Managers.Supervised the branch during night and weekend hours.Opened new accounts and handled customer loan and account issues.Shopped competitor banks and provided reports for branch management.