Daryl Dorschner
Mortgage Banking
Phoenix,AZ
Summary
Adept at enhancing customer satisfaction and streamlining operations. Built a team to leverage problem-solving abilities and critical thinking at Bank of America to improve underwriting processes and team performance. Expertise in customer service and operational efficiency led to significant achievements, including a notable increase in client satisfaction and team productivity. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
1
1
Certification
Work History
Operartions Manager/Underwriter/DE
Bank of America
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Cross-trained existing employees to maximize team agility and performance.
- Developed and maintained relationships with customers and suppliers through account development.
- Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
- Built high-performing teams through effective recruitment, onboarding, and talent development initiatives.
- Managed budgets effectively, ensuring optimal financial performance while investing in necessary resources for business growth.
- Streamlined workflows by identifying bottlenecks in existing systems and implementing appropriate solutions.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Ensured efficient workflow management by establishing clear priorities and monitoring progress regularly.
- Mentored junior underwriters in best practices, contributing to their professional development within the organization.
- Conducted regular performance reviews for team members, fostering professional growth and promoting a culture of continuous improvement.
- Reviewed policy applications thoroughly, ensuring accurate evaluation of risks in alignment with established guidelines.
- Managed a high-performing team of underwriters, providing guidance and support to ensure consistent results.
- Improved underwriting performance by streamlining processes and implementing best practices.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Accomplished multiple tasks within established timeframes.
- Achieved departmental goals by developing and executing strategic plans and performance metrics.
Senior Mortgage Loan Underwriter
PMI a Warehouse Lender
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
- Reduced loan processing time by implementing efficient underwriting practices and effectively collaborating with loan officers.
- Developed strong relationships with clients, realtors, and other stakeholders to facilitate smooth communication throughout the mortgage process.
- Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
Junior Morgage Underwriter
Bank of America Wholesale Lending Division
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Determined and documented loan conditions and communicated requirements and decisions.
Processor
First Capital Morgage
- Supported team members in their tasks, contributing to overall team success.
- Increased productivity by effectively managing workload and prioritizing tasks.
- Maintained accurate records and ensured timely completion of all necessary paperwork.
- Enhanced team collaboration, sharing best practices for efficient processing techniques.
- Received and reviewed incoming documents and materials.
- Adhered to strict deadlines for processing applications, ensuring timely approvals and client satisfaction.
- Demonstrated flexibility when adapting to new processes or guidelines while maintaining consistently high levels of productivity.
- Reduced errors with meticulous attention to detail and thorough review of documentation.
- Mastered industry-specific software tools to expedite data entry tasks and reduce manual input errors.
Junior Processor
Professional Morgage(a Mortgage Broker)
- Expedited funding process by coordinating with title companies, attorneys, and escrow agents.
- Accurately assessed applicant financial profiles to determine eligibility and credit risk.
- Improved department efficiency with well-maintained database systems for easy document retrieval.
- Enhanced client satisfaction by efficiently managing mortgage application processes.
- Supported loan officers by providing updates on application status, assisting in problem resolution.
- Increased approval rates by conducting thorough pre-screenings of potential borrowers'' creditworthiness.
- Facilitated smooth communication between clients, lenders, real estate agents, and other stakeholders during the loan process cycle.
- Conducted ongoing follow-ups on outstanding conditions needed from both internal departments and external partners which resulted in rapid clearance of approval conditions.
- Maintained compliance with regulatory guidelines through meticulous record-keeping and reporting procedures.
- Demonstrated attention to detail in evaluating income statements, tax returns, and other financial documents for completeness and accuracy.
- Assisted in preparing and reviewing closing packages, ensuring all required documents were present and accurate for final settlement.
- Reduced processing errors by diligently reviewing and verifying all required documentation.
- Ensured proper disclosure documentation was provided to applicants within mandated timeframes per regulations such as TRID guidelines.
- Collaborated with underwriters, ensuring timely delivery of requested information and documents.
- Developed strong relationships with applicants, providing guidance throughout the entire loan process.
- Provided exceptional customer service by effectively addressing inquiries and concerns related to loan applications.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Provided quick turnaround times to maintain fast-past schedule.
- Utilized loan origination software to process and track loan applications.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
Cosmetologist
Owner/Hair Stylist
- Maintained a clean and hygienic work environment by following strict sanitation guidelines and procedures.
- Booked appointments, answered phones, greeted clients, handled payments, and created client service tickets.
- Demonstrated high level of customer service to increase retention and satisfaction.
- Processed payments, entering sales in register for prompt customer service.
- Managed day-to-day business operations.
- Developed and maintained strong relationships with clients, resulting in repeat business and referrals.
- Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.
Assistant Front End Manager
Frys Food and Drug(a Kroger Company)
- Improved customer satisfaction by efficiently managing front-end operations and addressing customer concerns promptly.
- Streamlined checkout processes for faster service and reduced wait times, enhancing the overall shopping experience.
- Enhanced loss prevention measures through diligent monitoring of front-end activity and promoting employee awareness about potential risks.
- Assisted in training initiatives aimed at improving cashier efficiency and reducing errors in transactions.
- Implemented effective scheduling techniques, balancing employee availability with store needs to maintain optimal staffing levels during peak hours.
Assistant Store Manager
Long John Silvers Franchise Association
- Managed cash registers efficiently, ensuring accurate transactions, balancing drawers daily, and minimizing discrepancies.
- Managed opening and closing procedures and recommended changes to enhance efficiency of daily activities.
- Enhanced store appearance for increased sales by maintaining cleanliness and implementing strategic merchandise displays.
- Rotated merchandise and displays to feature new products and promotions.
- Assisted the Store Manager in analyzing sales data to identify trends and make informed decisions for improving overall store performance.
- Walked through store areas to identify and proactively resolve issues negatively impacting operations.
- Mentored new employees on company policies, procedures, and best practices to ensure their success within the organization.
- Supervised and evaluated staff to help improve skills, achieve daily objectives, and attain advancement.
- Fostered a positive work culture by promoting teamwork and recognizing individual achievements among staff members regularly.
Assistant Manager
McDonald's Restaurant
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Developed strong working relationships with staff, fostering a positive work environment.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Oversaw daily cash reconciliations, ensuring accurate financial reporting and minimizing discrepancies.
- Completed regular inventory counts to verify stock levels, address discrepancies, and forecast future needs.
Crew Team Member
McDonald's Restaurant
- Worked well with teammates and accepted coaching from management team.
- Provided excellent customer service by greeting customers and meeting quality expectations.
- Worked front counter, drive-thru and other areas.
- Took orders, prepared meals, and collected payments.
Customer Service Representative
Walmart
Customer Service Cashier
Circle K
- Maintained a clean and organized workspace, promoting a welcoming environment for customers.
- Handled high-pressure situations calmly, maintaining composure during busy periods or difficult interactions.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Processed customer orders and accurately handled payment transactions.
- Greeted customers entering store and responded promptly to customer needs.
- Welcomed customers and helped determine their needs.
Server
Tomato Cafe
- Demonstrated strong multitasking skills by managing multiple tables simultaneously without compromising service quality.
- Served food and beverages promptly with focused attention to customer needs.
- Worked with POS system to place orders, manage bills, and handle complimentary items.
- Collaborated with team members during busy shifts for efficient workflow and excellent guest experiences.
Server
Bennigan's Restaurant
- Demonstrated strong multitasking skills by managing multiple tables simultaneously without compromising service quality.
- Served food and beverages promptly with focused attention to customer needs.
- Worked with POS system to place orders, manage bills, and handle complimentary items.
- Collaborated with team members during busy shifts for efficient workflow and excellent guest experiences.
- Cultivated warm relationships with regular customers.
- Performed opening and closing duties, ensuring the dining area was prepared for seamless service transitions.
- Enhanced customer satisfaction by promptly attending to their needs and providing personalized service.
- Maintained a clean and orderly dining area for an enjoyable guest experience.
Education
Direct Endoresment Underwriter - Morgage Loan Underwriting
FHA Direct Endorsement Training
Federal Housing AdministrationHigh School Diploma - General Studies
Tombstone High School
Tombstone, AZCosmetologist - Cosmetology
Emily Griffith Technical College
Denver, COSkills
- Customer Service
- Problem-solving abilities
- Active Listening
- Critical Thinking
- Teamwork and Collaboration
- Problem-Solving
- Friendly, Positive Attitude
- Time Management
- Attention to Detail
- Flexible and Adaptable
- Dependable and Responsible
- Excellent Communication
- Multitasking Abilities
- Calm Under Pressure
- Decision-Making
Certification
- Direct Endosement(DE) Underwriter Chums: BB38
- Residential Appraisasier
- Conforming and Non Conforming Underwriting
- Jumbo Loan Underwiting
- Super Jumbo Underwiting
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Supervised team of 20-30 Underwriters, Processors, and Loan Officers.
- Achieved Purchase before Refiance by completing visits with Loan officers to Local Realtors to create a bond and a face with an underwriters name which led to 80 percent purchase loans of total pipleline.
- Collaborated with team of 8 in the development of multiple branches up the mountain Corridor.
- Achieved pipeline goal through effectively helping with processing, underwiting and closing of loans each month.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Operartions Manager/Underwriter/DE
Bank of America
Senior Mortgage Loan Underwriter
PMI a Warehouse Lender
Junior Morgage Underwriter
Bank of America Wholesale Lending Division
Processor
First Capital Morgage
Junior Processor
Professional Morgage(a Mortgage Broker)
Cosmetologist
Owner/Hair Stylist
Assistant Front End Manager
Frys Food and Drug(a Kroger Company)
Assistant Store Manager
Long John Silvers Franchise Association
Assistant Manager
McDonald's Restaurant
Crew Team Member
McDonald's Restaurant
Customer Service Representative
Walmart
Customer Service Cashier
Circle K
Server
Tomato Cafe
Server
Bennigan's Restaurant
Direct Endoresment Underwriter - Morgage Loan Underwriting
FHA Direct Endorsement Training
High School Diploma - General Studies
Tombstone High School
Cosmetologist - Cosmetology
Emily Griffith Technical College
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