Operations Manager / Supervisor, Team Lead, Credit Manager, Underwriting Manager Resume

Desired Industry: Banking/Mortgage	SpiderID: 5855
Desired Job Location: Detroit, Michigan	Date Posted: 3/9/2006
Type of Position: Full-Time Permanent	Availability Date: Immediate
Desired Wage:
	U.S. Work Authorization: Yes
Job Level: Management (Manager, Director)	Willing to Travel: Yes, 25-50%
Highest Degree Attained: Bachelors	Willing to Relocate: Yes

Objective:
A career with a company that needs my lending and management experience to help increase productivity, improve processes, make critical lending decisions and build, train and coach an effective productive team.

Experience:
2003 – 2006 NovaStar Mortgage Inc. Troy, MI
Regional Operations Supervisor (November 2003 to January 2006)
Conforming and Sub-prime Underwriter (March 2003 to November 2003)
• Managed a team of 5-6 Account Managers and 5-6 Underwriters closing 170 loans per month in less than 12 days and at a 50% pull-through rate.
• Provided sales support for 30 Account Executives by maintain existing business relationships and help to build new relationships through delivery of “world class” customer service, reviewing exception requests, re-structuring loans, presenting counter offers, and performing second review and clearly explaining declinations.
• Responsible for implementing and managing the orientation and training program for all new Account Managers and had a 100% retention rate.
• Provided proactive performance management on company goals for production, turn time, loan quality, pull-through, and customer service by implementing a monthly performance feedback scorecard which improved performance and quickly identified training needs.
• Worked successfully with other departments and gained valuable experience in closing and funding processes, quality assurance, appraisal review and post closing.

2002 Towne Mortgage Company Sterling Heights, MI
Processing Manager
• Oversee daily activity of 15 processors in both retail and wholesale areas of business, to assure customer and company expectations are met with regards to timely loan closings, consistent and reliable data entry, and continually improving efficiencies.
• Worked with IS department to develop and implement new productivity reports for use as a tool to manage flow of $95 million in applications and $36 million in loan closings per month. Worked to develop processes and measures to establish consistency within department and recognize top performers.

2000 – 2002 Tyco Capital (The CIT Group) Novi, Michigan
Branch Operations Manager
• Manage staff of three underwriters and four loan processors for branch of national wholesale lender to close $5 million per month.
• Responsible for assuring office meets company expectations for Quality Control measures.
• Implemented processes to reduce Quality Control scores by approximately 75% in first year while increasing volume by 33% over the same period.
• Recruited and hired skilled, quality candidates to support office growth of over 100% in 2 years.

1996 – 2000 Conseco Finance Livonia, Michigan
Wholesale Underwriting Manager (September 1999 to August 2000)
Retail and Wholesale Underwriter (October 1996 to September 1999)
• Managed, trained and motivated a staff of four to eight underwriters and processors to assure files are underwritten to meet deadlines and adhere to established company guidelines.
• Reviewed and approved requests for exceptions to guidelines based on acceptable risk, compensating factors, and a “common sense” underwriting philosophy.
• Worked closely with upper management to meet company expectations for loan production, quality control, and customer service.
• Maintained positive productive relationships with Brokers and Correspondents by encouraging them to close loans in line with company guidelines while remaining flexible enough for them to meet their own individual goals.

Education:
1995 Oakland University Rochester, Michigan
Bachelor of Science
Major in Finance, Minor in Economics

2004 Received Certification as a Targeted Selection Interviewer from Development Dimensions International

2005 Completed on-line and classroom courses though the NovaStar University Leadership Development College: Preparing to Lead, Fundamentals of Customer Relationship Management, Decision Making Fundamentals, Listening Skills, Motivating Others, Resolving Conflict, Facilitating Change, Coaching for Success, and Coaching for Improvement.

Skills:
6 years of management experience in over 10 years in the mortgage industry; most recently managing a production team for an $80 million per month sub-prime lending operations center. Successful managing teams up to 15. Sales support - product clarification, program exception, and scenario review - to as many as 30 outside salespeople and dozens of customers. Skilled at negotiating pricing and acceptable counter-offers. Certified interviewer who has recognized and cultivate talented individuals. Proven ability to grow business, increase efficiency and improve quality.

Additional Information:
Previous success and career advancement are attributed to my continuous enthusiasm even when faced with adversity and my ability to quickly adapt to the changing needs of my employer. Maintain a sales and customer service focus toward both internal and external customers equally. Highly organized and especially enjoy projects that involve problem solving and taking a conceptual idea and making it reality. Thrive when faced with the stress of a deadline. Metrics driven with an eye toward trend analysis to predict future performance and business needs.

Candidate Contact Information:

Name: Steve Booth
Street:	Phone: 586-493-5987
City: Macomb	Fax: -
State: Michigan
Zip: 48044
Web Site: