Danny Hughes
Ashley,OH
Overview
10
10
years of professional experience
1
1
Certification
Work History
Licensing Manager
UnitedHealth Group
Columbus, OH
05.2022 - Current
- Facilitated operational readiness for Telesales and Field Sales teams by overseeing licenses, appointments, and access for agents.
- Conducted analysis and monitored performance metrics, including 'ready to sell' status, to take informed actions.
- Led quality assurance initiatives to reduce workflow disruptions for business partners and team.
- Serve as subject matter expert for interdepartmental teams on system updates and seasonal planning.
- Addressed agent inquiries through phone, email, and chat.
Loan Processor
KBHS Home Loans, LLC
Maitland, FL
12.2020 - 02.2022
- Managed competing priorities daily. Provided excellent customer service while maintaining relationships with all involved parties.
- Established clear expectations during initial borrower interactions.
- Coordinated delivery of vendor services including tax transcripts, title work, Homeowners Insurance and appraisal.
- Evaluated conditional approval provided by the reviewing underwriter.
- Dispute any unnecessary conditions and requested additional documentation from the borrower as needed.
- Analyzed financial records to detect potential issues requiring attention.
- Ran updated AUS findings through Encompass as needed.
- Provided underwriting with required conditions for assessment and updated applicants when clear to close was granted.
- Completed final VOE and send file to closing.
Loan Processor
NVR Mortgage Finance, Inc
Columbus, OH
07.2019 - 12.2020
- Processed home loans for new construction properties with Encompass LOS.
- Coordinated efforts with FHA, VA, Conventional, and USDA loan programs.
- Set branch records for production, growth, and buyer retention.
- Managed competing priorities proficiently.
- Ordered vendor services such as; Title work, Appraisal, and Tax Transcripts.
- Calculated income and confirmed debt to income ratios.
- Oversaw pipeline management and processed findings through Encompass.
- Pulled and reviewed updated credit as needed.
- Requested outstanding conditions from borrowers.
- Scrutinized bank documents for unusual financial activities.
- Submitted conditions to underwriting team for final approval.
- Ordered appraisal completion reports and closing VOE’s as needed.
Senior Loan Processor
American Financial Network, Inc (Branch fka HomePoint Financial)
Blacklick, OH
10.2015 - 04.2019
- Working with Encompass LOS, I processed FHA, VA, USDA, and Conventional (Freddie & Fannie) home loans.
- Became office go to for VA questions.
- Managed competing and changing priorities effectively.
- Regular duties on every file included:
- Reviewed income (paystubs, W2’s, tax returns, and Profit & Loss statements) and asset documents (bank and investment/retirement statements).
- Calculated income and confirmed debt ratios.
- Ordered vendor services.
- Reviewed conditional approval and credit report.
- Requested documents required to finalize the approval from the borrowers.
- Reviewed title work to make sure there are no additional liens.
- Ordered subordinations when applicable.
- Requested condo approval if needed. (I spent months helping condo associations become FHA eligible (not routinely, but maybe once or twice a year).
- Submitted documents to underwriting for review and communicated status with borrowers.
- Issued LE and change of circumstance as needed.
- Issued the ICD and obtained borrower signed Closing Disclosure.
- Ensured title fees disclosed were accurate and that MAVENT was passing through Encompass LOS.
- Informed management of any fee changes needed if MAVENT was failing.
Education
Bachelor - Finance
Franklin University
Columbus, OH12.2024
Skills
- Credit Analysis
- Banking
- Time management
- Fair Housing Regulations
- Loan Officer Experience
- Encompass LOS
- Microsoft Excel
- Microsoft Word
- Microsoft Office
- Sales
- Negotiation
- Financial Services
- Credit analysis
- Financial services
- Customer service
- Presentation skills
Certification
- Certified Notary Public
- January 2023 to January 2028
Timeline
Licensing Manager
UnitedHealth Group
05.2022 - Current
Loan Processor
KBHS Home Loans, LLC
12.2020 - 02.2022
Loan Processor
NVR Mortgage Finance, Inc
07.2019 - 12.2020
Senior Loan Processor
American Financial Network, Inc (Branch fka HomePoint Financial)
10.2015 - 04.2019
Bachelor - Finance
Franklin University