Cheryl Wolf
Watford City,ND
Summary
Over 25 years of Professional Management, Sales, Underwriting, Human Resources, Administration, and Operations experience. Strengths include: strong sales and management skills, customer service, analytical, organizational and problem solving skills. Experience in handling personnel files, managing documents & confidential information, creating reports, and multitasking. Process-oriented team player able to establish rapport and credibility with diverse groups and skilled in problem solving to reach creative solutions.
Overview
10
10
years of professional experience
Work History
Producing Branch Manager
Unify Home Lending
Watford City, ND
12.2019 - 02.2024
- Partner with, and maintain relationships with local RE Agents & Brokers, Builders, and Community Groups and Associations
- Ensure compliance with: FNMA, FHLMC, FHA, VA NDHFA & USDA underwriting guidelines
- Originate Secondary Market Mortgages in accordance to specific guidelines
- Manage mortgage pipeline, pre-approvals, rate locks, and expirations
- Problem solve difficult files by utilizing guidelines and skills from Processors and Underwriters
- Attend pertinent community meetings and volunteer for community services
Mortgage Loan Officer
First International Bank and Trust
Watford City, ND
04.2016 - 12.2019
- Partner with, and maintain relationships with FIB&T Bankers, Lenders, and Insurance Agents, and Local RE Agents & Brokers, Builders, and Community Groups and Associations
- Ensure compliance with: FNMA, FHLMC, FHA, VA NDHFA & USDA underwriting guidelines
- Originate both In-House and Secondary Market Mortgages in accordance to specific guidelines
- Cross Sell banking products and encourage clients to utilize all of FIB&T products and services
- Attend weekly Loan Committee meetings, and bi-weekly Watford City Branch meetings and provide information/input when needed
- Manage mortgage pipeline, pre-approvals, rate locks, and expirations
Problem solve difficult files by utilizing guidelines and skills from Processors and Underwriters
Attend pertinent community meetings and volunteer for community services
HR Liaison/Housing Coordinator
MBI Energy Services
Watford City, ND
04.2014 - 02.2016
- Screen resumes, conduct interviews; both face to face and Skpe
- Advise and train Management on disciplinary action associated with employment laws
- Maintain confidentiality with employees, and educate them on company policies and procedures
- Assist various departments and Executive Teams with employee issues and retraining
- Volunteer and assist with onsite and offsite company functions
- Manage 320 housing units and 2 employees, as well as all housing and personnel moves
- Field all HR and Housing related requests
Branch Manager
National City Mortgage
St. Paul, MN
- Responsible for the successful growth and development of the St. Paul branch office
- Maintain Profit and Loss of the branch while staying within quarterly and yearly budgets
- Excellent results as a Regional LO in a multi-state capacity, personally producing
average monthly loan volume of $1.5M, while managing a staff of 15 employees
- Successfully recruit, hire, and train 28% of sales staff resulting in improved branch growth
- Create Sales and Marketing culture resulting in 15% improvement in portfolio client retention
- Responsible for strategic planning, business development and marketing
- Ensure compliance with government; FNMA, FHLMC, FHA, and VA underwriting guidelines
- Onsite Human Resources Liaison
President/Owner
Summerlin Mortgage
Coon Rapids, MN
- Responsible for recruiting and training new Loan Officers, Processors, and Staff Assistants
- Human Resources Manager
- Manage 10 sales and 4 support staff; while overseeing daily office and business operations
- Assist Loan Officers and Processors with lender options, with guidance to understanding underwriting guidelines for each investor/product/program
- Manage monthly business P&L
- Manage quality control and data integrity of all confidential documents
- Ensure compliance with: FNMA, FHLMC, FHA, and VA underwriting guidelines
Mortgage Supervisor & Mortgage Sales Specialist
Wells Fargo
Minneapolis, MN
- Interview, hire, train, and supervise several teams of 10+ Loan Originators
- Regular interaction with Executive Management on key initiatives
- Work several case studies for Level One underwriting authority
- Meet all key project goals (on time and budget) as Project Manager for developing and testing new technology, while handling a team of 10 employees
- Develop and maintain relationships with Real Estate Developers, Contractors, and Agents
- Ensure compliance with Federal Gov’t; FNMA, FHLMC, FHA, and VA underwriting guidelines
Education
Skills
- Recruiting, People Management, and Training
- Sales and Compliance
- Commitment to a High Level of Customer Service
- Account Management
- Excellent Written and Verbal Communication
- Positive Catalyst for Change
References
References available upon request
Timeline
Producing Branch Manager
Unify Home Lending
12.2019 - 02.2024
Mortgage Loan Officer
First International Bank and Trust
04.2016 - 12.2019
HR Liaison/Housing Coordinator
MBI Energy Services
04.2014 - 02.2016
Branch Manager
National City Mortgage
President/Owner
Summerlin Mortgage
Mortgage Supervisor & Mortgage Sales Specialist
Wells Fargo
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