Dale Hinrichsen

Work History

VP of Operations

America One Mortgage Group

Glassboro, NJ

01.2022 - 07.2023

Provided direction on process improvement initiatives to increase productivity and profitability.
Tracked key performance indicators related to customer satisfaction, sales volume, cost savings.
Directed the evaluation of existing systems and processes for opportunities to increase efficiency or reduce costs.
Identified training needs within departments and developed programs accordingly.
Assisted in the recruitment and onboarding of new staff members into the organization.
Managed teams of 10+ employees across multiple departments, overseeing their daily operations and workflow.
Conducted regular meetings with department heads to review performance metrics and progress towards goals.
Implemented and monitored internal control procedures.
Implemented successful business strategies to increase revenue and target new markets.

Branch Underwriting Manager

Amerifirst Home Mortgage

Spring Hill, FL

01.2020 - 01.2021

Analyzed and evaluated credit risks associated with loan applications.
Monitored and maintained compliance with regulatory requirements and best practices in the underwriting process.
Provided guidance and training to underwriters on complex underwriting decisions.
Reviewed, approved, declined or counter-offered loan requests based on established criteria.
Conducted periodic audits of active loans to assess risk levels and identify potential issues.
Assisted in developing forecasting models for future lending needs.
Collaborated with senior management on strategic initiatives that would improve processes related to underwriting operations.
Recommended changes to existing policies and procedures that would enhance efficiency within the department.
Performed quality assurance reviews on a regular basis for accuracy and completeness of documentation prior to closing loans.
Developed strategies for mitigating risks associated with new loan products offered by the branch.
Prepared internal and regulatory financial reports, balance sheets and income statements.
Analyzed competitors and market trends to facilitate business growth.

Underwriting/Operations Manager

Patriot Lending

Spring Hill, FL

01.2017 - 01.2020

Directed day-to-day operations by spearheading implementation of short-term and long-term strategies to achieve business plan and profitability goals.
Recruited, hired and trained crew members on application of projects, customer relations and customer service.
Implemented policies and standard operating procedures and managed quality, customer service and logistics.
Delivered positive customer experiences by implementing effective quality assurance practices.
Developed initiatives for process improvement and reviewed and assessed ongoing operations.
Collaborated with team leaders on quality audits.
Produced SOPs to document workplace procedures and optimize productivity through standardization.
Generated performance and labor strategies to compete in new and existing markets.
Managed staffing needs through recruitment, selection, onboarding and training, disciplinary action as necessary.
Prepared staff work schedules and assigned team members to specific duties.

Underwriting Manager

United Northern Mortgage Bankers

Levittown, NY

01.2014 - 01.2017

Managed a team of underwriters to ensure accurate and timely processing of applications.
Created internal policies and procedures related to the underwriting process.
Provided guidance and support to junior underwriters in decision-making processes.
Assisted in the development of training materials for new hire underwriters.
Resolved any issues that may arise during the underwriting process.
Evaluated existing policies and procedures related to the underwriting process and make necessary revisions.
Inspected financial statements, credit information and title data to complete underwriting process.

Senior Mortgage Underwriter

Integrity Mortgage

Winchester, VA

01.2012 - 01.2014

Evaluated mortgage loan risk based on sound underwriting decisions.
Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
Used [Software] to record loan rejections, clearly specifying basis for declining application.
Communicated with applicants and internal team members to discuss identified conditions needed for approval.
Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan.
Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
Reviewed appraisals to ensure accuracy and compliance with company standards.
Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
Identified areas where additional training was needed among junior underwriters and provided guidance accordingly.
Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.

Underwriting Team Lead

Wells Fargo

Orlando, FL

01.2008 - 01.2012

Delegated daily tasks to team members to optimize group productivity.
Monitored team progress and enforced deadlines.
Collaborated with management team to implement new work procedures or policies.
Fostered positive employee relationships through communication, training and development coaching.
Organized and prioritized incoming work orders and optimized team workflows and resources to handle dynamic demands.
Implemented performance, quality and efficiency measures to achieve aggressive production goals.
Conducted thorough quality checks to verify conformance to specifications.
Provided leadership and guidance to team members, ensuring that tasks were completed on time and to a high standard.
Developed strategies to increase team productivity and improve customer service levels.
Conducted performance appraisals for team members, providing feedback and identifying areas of improvement.
Trained new staff in relevant processes and procedures.

Summary

Overview

Work History

VP of Operations

Branch Underwriting Manager

Underwriting/Operations Manager

Underwriting Manager

Senior Mortgage Underwriter

Underwriting Team Lead

Education

High School Diploma -

Skills

Timeline

Similar Profiles

Myrna JohnsonMyrna Johnson

Robert SchneiderRobert Schneider

Patrick TromleyPatrick Tromley

Teresita HallTeresita Hall

Renavia CurtisRenavia Curtis