Ryan Balow Email & Phone Number

Eau Claire, Wisconsin Area

• Responsible for testing the loan origination system (LOS – Mortgage Cadence) releases and applying changes due to compliance and investor guidelines• Responsible for the administration of real estate lending software (LOS and ancillary products) to include setting up loan products, users, MLO sites, system securities and reviewing loan documents for accuracy• Maintain Mortgage online application process to ensure a positive Member experience• Responsible to identify, develop and implement use cases for automation opportunities• Manage and troubleshoot requests as submitted through the Mortgage Support queue and Footprints ticketing system• Responsible for collecting, reviewing and submitting bills incurred by the Mortgage Loan Department for approval and payment• Responsible for creating or enhancing reports within Mortgage Cadence/Business Objects platform for real estate management

Eau Claire, Wisconsin Area

• Evaluate and manage existing interest rate locks and extension requests• Manage all pre-funding mortgage QC file reviews as required by investor guidelines• Manage post-closing review of mortgage files• Perform duties as Department Project Manager to support department initiatives• Assist Mortgage Systems Administrator with LOS help desk and LOS administration as needed

Eau Claire, Wisconsin

• Process mortgage applications for Royal Credit Union Mortgage Loan Originators and Home Loan Specialists• Review appraisal and title work to ensure lien and ownership information is acceptable• Ensure accuracy and completeness of loan file information processed• Ensure documents are maintained and stored in compliance with policies and regulations• Calculate income on Conventional, Portfolio, and USDA• Obtain necessary documents from members, loan originators and title companies

Menomonie, Wisconsin

• Process mortgage applications for WESTconsin Credit Union Mortgage Loan Originators using Mortgage Cadence• Review appraisal and title work to ensure lien and ownership information is acceptable• Ensure accuracy and completeness of loan file information processed• Calculate income on Conventional, Portfolio, USDA and WHEDA loans• Sign off on loan conditions after reviewing file• Work with Mortgage Underwriters to clear files• Prepare Closing Disclosures for loan closings• Knowledge source for other Loan Processors• Train new Processors and Loan Originators on Mortgage Cadence and processing procedures• Assist Mortgage Loan Originators with issues, questions and structuring of loan applications• Actively handles pipeline of 30+ loans

La Crosse, Wisconsin Area

• Process mortgage applications for Marine Credit Union (MCU) Mortgage Loan Officers• Review appraisal and title work to ensure lien and ownership information is acceptable• Stack, review and submit completed files to underwriting department and closing department• Ensure accuracy and completeness of loan file information processed• Ensure documents are maintained and stored in compliance with policies and regulations• Manage/coordinate loan closings with Mortgage Loan Originators and Closing Department• Calculate income on Conventional and Portfolio loans• Obtain necessary documents from members and loan originators• Work with Mortgage Underwriters to clear files• Assist Mortgage Loan Originators with issues, questions and structuring of loan applications

Onalaska, Wi

-Collateral Protection Insurance Tracking-GAP/MBP Sales Tracking-GAP Refunds Tracking-Teller Accuracy Reporting-Teller Transaction Reporting-Servicemember's Civil Relief Act (SCRA) Tracking-Filing/Processing Insurance Claims-Providing Exceptional Customer Service to Members

-Entered indirect (dealer) applications-Disbursed secured/unsecured loans-Provided exceptional customer service to Members and dealerships

-Prepared loan applications-Provided loan decisions-Completed insurance claims-Answered Members questions regarding loans-Provided exceptional customer service to Members

-Sent survey cards to RCU Members asking them to rate the service they received from our call center representatives.-Entered indirect (dealer) applications into our loan system so they could be sent to our Loan Officers for a loan decision.-Filed paperwork and prepared various excel reports-Completed closing checklist

Bachelor'S Degree In Business Administration, Human Resourse Management

Activities and Societies: Society of Human Resource Management (SHRM) - Vice President

Associates Degree In Marketing, Marketing