Daniel Karnowski
Farmington,MN
Summary
Organized Mortgage Loan Officer with years of experience in Operations and Loan Originations. Well-versed in loan products and customer engagement strategies. Adept at mathematical accuracy and following financial regulations.
Overview
33
33
years of professional experience
Work History
Mortgage Consumer Direct Sales Consultant
Wells Fargo Bank, NA
04.2024 - Current
- Manage inbound and outbound calls, with follow-up to existing and potential customers offering Wells Fargo mortgage products and services.
- Cultivate strong relationships with clients to enhance customer loyalty and retention.
- Present recommendations for resolving complex situations.
- Collaborate with fulfillment partners to meed the needs of the clients throughout the origination process.
Senior Mortgage Consultant
Edina Realty Mortgage
06.2007 - 04.2024
- Originate Conventional, FHA, VA, Bond, Rural Development and Jumbo Loans.
- Top 1% of Mortgage Originators in America 2020.
- Proactively identified solutions for customers experiencing credit issues.
- Negotiated loan terms and conditions with customers to secure best deal.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Developed and maintained relationships with customers, realtors and other third parties.
Home Mortgage Consultant
Wells Fargo Home Mortgage
06.2006 - 06.2007
- Originated Conventional, FHA, VA, Rural Development, Bond and Jumbo Loans.
- Assessed clients' financial data to determine loan suitability.
- Collaborated with and facilitated communications between borrowers , personal bankers and realtors to obtain ideal loans for home purchases.
Senior Operations Manager
General Electric Retail Sales Finance
04.2005 - 06.2006
- Oversaw workforce management planning, volume predictions and capacity planning for loan processing and funding functions for all Retail Sales Finance.
- Managed employee-related issues encompassing labor, turnover and diversity.
- Delivered 86,144 loan for total of $1.6 billion in 2005.
- Managed expenses to 86% of Operation Plan with actual volume hitting 105% of Operating Plan.
- Managed growth of 181% in unit volume over 2004.
- Achieved GE Six Sigma Green Belt Certification in February 2006.
- Business Lead for two Six Sigma Lean events: Home Improvement and Consumer Installment.
- Facilitated one of three teams in Six Sigma Lean event in Rapid City, S.D. to improve cycle time in secured revolving program.
- Instrumental in successful launch of Polaris Installment Program and Yamaha Music Installment Program.
Production Operations Manager
Wells Fargo Home Mortgage
05.1996 - 04.2005
- Led hiring, onboarding and training of new hires to fulfill business requirements.
- Ensure team consistently exceeds customer and sales expectations in terms of quality and service delivery.
- Work with team to maintain quality in every step of process to ensure compliance with investor guidelines, including on-going review of performance.
- Act as main point of contact for Loan Officers for pricing, loan scenarios, and problem resolution.
- Analyzed and reported on key performance metrics to senior management.
- Developed and maintained relationships with Edina Realty Loan Officers; Joint Venture.
- Managed national refinance team of production operations staff that supported in-house tele-sales group of Loan Officers-most profitable branch in division.
- Proficient at Underwriting Conventional and FHA loans.
- Winner of Service Excellence Award 1996, 1997, 1998 and 2000.
Credit Manager
Green Tree Financial Corporation
05.1993 - 05.1996
- Built and maintained profitable relationships with over 200 building contractors in area of Los Angeles, California through telecommunications efforts.
- Approved mortgages generated by contractors and processed by credit underwriting staff.
- Hired, trained and supervised staff of loan processors and credit investigators.
- Provided sales support to Business Development Managers-marketing staff in Los Angeles area.
- Managed first team to process and close $5 million in loan volume.
Education
Master of Science - Economics
University of Minnesota - Twin Cities
St Paul, MN06.1993
Bachelor of Science - Agricultural Business
University of Minnesota - Twin Cities
St Paul, MN06.1991
Skills
- Loan Originations
- Operations Management
- Team Building
- Active Listening
- Sales
Timeline
Mortgage Consumer Direct Sales Consultant
Wells Fargo Bank, NA
04.2024 - Current
Senior Mortgage Consultant
Edina Realty Mortgage
06.2007 - 04.2024
Home Mortgage Consultant
Wells Fargo Home Mortgage
06.2006 - 06.2007
Senior Operations Manager
General Electric Retail Sales Finance
04.2005 - 06.2006
Production Operations Manager
Wells Fargo Home Mortgage
05.1996 - 04.2005
Credit Manager
Green Tree Financial Corporation
05.1993 - 05.1996
Master of Science - Economics
University of Minnesota - Twin Cities
Bachelor of Science - Agricultural Business
University of Minnesota - Twin Cities