BRIAN HILTON
Waukee,IA
Summary
A career-minded individual with over 17 years' experience in the mortgage industry and 4 years' experience in management/leadership. Looking to grow professionally and explore new opportunities. Efficient, creative and flexible, with proven analytical and personal skills
Overview
22
22
years of professional experience
Work History
Mortgage Underwriter
The Federal Savings Bank
10.2020 - 11.2023
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
Consumer Loan Underwriter III
Wells Fargo Home Mortgage
10.2011 - 10.2020
- Experienced in fast-paced, high production, pipeline driven team environment
- Responsible for underwriting and approving individual consumer refinance requests within company and industry guidelines
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
- Experienced in reviewing personal and business federal tax returns
- Reviews collateral documentation
- Evaluates and ensures overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios, and other supporting documentation
- Excels at clearly communicating the process, status and decision with our sales and support staff
- While adjusting to any changes in underwriting guidelines; works to maintain excellent quality, production, and customer satisfaction scores
- Maintained in-depth understanding of FNMA and FHLMC loan requirements.
Wealth High Value Customer Service Representative V/Team Lead
Wells Fargo Home Mortgage
05.2010 - 10.2011
- Responded to escalated inquiries and complaints from mortgage customers regarding varied aspects of their mortgage accounts
- Facilitated team meetings and trainings
- Used strong problem solving and analytical skills to resolve escalated issues that have been forwarded by management, communicating orally and in writing to customers
- Assisted with day-to-day supervision of staff
- Conducted audits for inbound/outbound calls, escrow, and tax case work
- Provided coaching and training lower level team members
- Successfully helped team members lower their Average Handle Time and increased their quality scores.
- Managed and motivated employees to be productive and engaged in work.
- Cross-trained existing employees to maximize team agility and performance.
Customer Service Representative I - IV
Wells Fargo Home Mortgage
01.2006 - 05.2010
- Responded to inquiries and complaints on more complex products/services and/or from premier mortgage customers
- Department leader in cross-sell referrals
- Partnered with other departments to resolve escalated customer issues
- Member or Delinquency Outbound Collections Team experienced in loss prevention procedures.
Kitchen Manager
Village Inn Restaurants
04.2002 - 05.2005
- Conducted interviews and assisted with the hiring and training of new staff members
- Created staff schedules
- Conducted performance reviews and made salary recommendations
- Conducted daily checks of refrigerators and freezers to verify proper food storage, container labeling, and surface cleaning.
- Inspected stock to identify shortages, replenish supply and maintain consistent inventory.
Education
Liberal Arts -
Kirkwood Community College
Iowa City, IA01.2003
Pre-architecture -
Iowa State University
Ames, IA01.1998
Skills
- Very proficient in MS Word, Excel, Outlook, PowerPoint
- Excellent written/verbal communication skills
- Ability to verbally communicate with persons inside and outside of the organization
- Exceptional customer service skills
- Strong time management and organizational skills
- Excellent problem solving and analytical skills
Timeline
Mortgage Underwriter
The Federal Savings Bank
10.2020 - 11.2023
Consumer Loan Underwriter III
Wells Fargo Home Mortgage
10.2011 - 10.2020
Wealth High Value Customer Service Representative V/Team Lead
Wells Fargo Home Mortgage
05.2010 - 10.2011
Customer Service Representative I - IV
Wells Fargo Home Mortgage
01.2006 - 05.2010
Kitchen Manager
Village Inn Restaurants
04.2002 - 05.2005
Liberal Arts -
Kirkwood Community College
Pre-architecture -
Iowa State University
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