Scott Ralston Email & Phone Number

Maricopa, AZ, US

Phoenix, Arizona, United States

• I work with prospective consumers who have applied directly with National Debt Relief to consult and guide them towards a debt relief option that will aid them with their debt related issues.
• Consult and enroll qualified clients into NDR’s debt relief programs or recommended options.
• Document client discussions clearly and concisely using Salesforce customer relationship management software.
• Complete IAPDA certification within the first year. (company sponsored)
• Meet performance criteria set forth by the management team. Performance criteria subject to change based on company baselines.
• Adhere to NDR and Sales department policies and procedures and any applicable changes to either.

Phoenix, Arizona, United States

• I carefully evaluated loan applications to gauge risk and policy suitability, collaborating with underwriters for informed, guideline-compliant underwriting decisions or work independently. I analyzed financial data.
• Skillfully analyze complex loan applications, ensuring alignment with company policies, industry regulations, and risk management guidelines. Assess creditworthiness, income verification, property valuation, and other.
• Implement rigorous quality control measures to maintain accuracy and consistency in underwriting guideline decisions. Conduct periodic audits of underwriting files, ensuring compliance with internal standards and.
• Collaborate effectively with loan officers, borrowers, and third-party vendors to resolve inquiries, request additional documentation, and address complex underwriting scenarios. Introduced streamlined underwriting.
• Evaluate risk factors associated with loan applications and develop strategies to mitigate potential losses. Recommend appropriate loan structures and terms to balance risk and reward
• Handle escalated cases and provide final approvals on loans exceeding junior underwriters' authority. Utilize strong analytical skills and industry insights to make sound underwriting decisions aligned with company.

Phoenix, Arizona

• I led a team, ensuring precise evaluation of home equity applications. I analyzed financial data, guided my team, and enhanced inter-departmental processes. I maintained compliance and prioritized excellent customer.
• Lead a team of 10 to 15 in effectively managing the HELOC underwriting process. Provide guidance, mentorship, and performance feedback to foster a high-performing and collaborative work environment.
• Develop and implement training programs to enhance underwriters' skills and ensure consistent adherence to company policies and industry regulations. Conduct regular quality control audits to maintain accuracy and.
• Provide expert guidance and support to underwriters in analyzing complex loan underwriting applications, credit challenges, and property valuations. Collaborate with team members to develop sound solutions while.
• Manage escalated loan underwriting applications, utilizing advanced analytical skills and industry knowledge to make final underwriting decisions within established underwriting guidelines. Maintain a balanced approach.
• Set performance targets, monitor KPIs, and implement strategies to achieve and exceed departmental goals. Recognized for achieving quality goal of 98% accuracy rate consistently across the team.

Rochester, New York, United States

• I led a team, ensuring precise mortgage application reviews. I assessed finances, credit, and appraisals for informed loan approval choices. I guided and trained staff for policy compliance, collaborated for process.
• Corresponded with customers, brokers, title companies, and attorneys to facilitate delinquency resolution through Loss Mitigation, consultation, and collection efforts.
• Successfully trained and mentored a team of junior underwriters, leading to a 20% improvement in underwriting accuracy, boosting team morale, and contributing to overall departmental efficiency
• Analyzed borrower requests for assistance which may include various workout options depending on the borrower’s intent to retain or liquidate the property.
• The process requires information gathering from the borrower, documentation analysis, inbound and outbound calls, and file preparation/maintenance.
• Underwritten products for Conventional, Fannie Mae, Freddie Mac, and Veterans Affairs.