Summary
Skills
Work History
Education
Certification
Underwritingauthority
Overview
SeniorSoftwareEngineer
Daryl Joseph Dorschner

Daryl Joseph Dorschner

Phoenix,AZ

Summary

Dynamic and detail-oriented Mortgage Underwriter with over 5 years of experience in assessing financial risks and approving home loans. Proven track record of ensuring compliance with underwriting guidelines and delivering superior customer service.

Skills

  • Strong understanding of underwriting guidelines and regulations
  • Excellent analytical and problem-solving skills
  • High degree of accuracy and attention to detail
  • Proficient in loan origination and management software
  • Excellent communication and customer service skills

Work History

Customer Service Associate

Walmart
06.2023 - Current
  • Processed customer returns and exchanges, ensuring a smooth and efficient experience
  • Addressed customer complaints and concerns, providing solutions and maintaining high customer satisfaction
  • Assisted customers with product inquiries and provided information on store policies
  • Handled cash transactions and maintained accurate records of sales and refunds
  • Collaborated with team members to ensure a clean and organized store environment

Assistant Front End Manager

Fry’s Food and Drug
01.2023 - Current
  • Directed and supervised all functions, duties, and activities for the Front-end department
  • Supported day-to-day operations, ensuring exceptional customer service and a clean, safe environment
  • Assisted in achieving sales and profit goals, managing cash control, and maintaining quality assurance standards
  • Managed scheduling of Front-end associates to provide adequate department coverage
  • Collaborated with associates to promote teamwork and a positive work environment
  • Adhered to all food safety regulations and company guidelines

Customer Service Associate

Circle K
03.2021 - 05.2023
  • Assisted customers with purchases, returns, and inquiries, ensuring a positive shopping experience
  • Managed cash registers, processed transactions, and maintained accurate financial records
  • Resolved customer complaints and issues promptly and professionally
  • Restocked shelves and maintained store cleanliness and organization
  • Collaborated with team members to ensure efficient store operations

Salon Manager

JC Penney
06.2019 - 02.2021
  • Managed daily operations of the salon, ensuring high standards of customer service and satisfaction
  • Supervised and trained a team of stylists, ensuring adherence to company policies and procedures
  • Developed and implemented marketing strategies to attract new clients and retain existing ones
  • Managed inventory, placed orders for supplies, and ensured timely delivery
  • Handled customer complaints and resolved issues to maintain a positive salon environment
  • Monitored financial performance and prepared reports on sales and expenses

Salon Owner

03.2017 - 05.2019
  • Established and managed a successful salon, overseeing all aspects of business operations
  • Recruited, trained, and supervised a team of stylists and support staff
  • Developed and implemented marketing strategies to attract and retain clients
  • Managed inventory, ordered supplies, and ensured timely delivery
  • Handled customer complaints and resolved issues to maintain a positive salon environment
  • Monitored financial performance and prepared reports on sales and expenses

Operations Manager/Underwriter/DE

Bank of America
03.2015 - 05.2019
  • Managed daily operations and supervised a team of underwriters to ensure efficient workflow and compliance with company policies
  • Conducted thorough reviews of loan applications, including credit reports, tax returns, and financial statements, to assess risk and approve loans
  • Implemented process improvements that increased efficiency and reduced processing times by 15%
  • Provided training and support to new underwriters, enhancing team performance and knowledge
  • Maintained excellent customer service by addressing client inquiries and resolving issues promptly

Mortgage Loan Underwriter

PHM Financial
06.2015 - 02.2017
  • Evaluated and verified loan applications and supporting documents to assess borrowers' creditworthiness
  • Analyzed financial information, including credit reports, tax returns, and income statements
  • Ensured compliance with banking regulations and lender policies
  • Communicated with loan originators and processors to obtain additional documentation or clarification
  • Recommended approval or denial of loan applications based on risk assessment
  • Maintained up-to-date knowledge of various lender policies and loan products

Junior Underwriter

Bank of America
06.2012 - 02.2015
  • Assisted in the loan approval process by reviewing documentation and assessing financial risks
  • Gained advanced knowledge in clearing title issues, income calculations, and subordinations
  • Provided quality customer service by proactively communicating with customers and banking associates
  • Supported senior underwriters in analyzing credit reports, tax returns, and financial statements

Loan Processor

First Capital Mortgage
01.2010 - 05.2012
  • Gathered and reviewed loan documentation, ensuring all required information was complete and accurate
  • Evaluated credit histories, employment status, and financial data to assist in loan approval decisions
  • Coordinated with clients, escrow agents, and title companies to facilitate smooth loan processing
  • Maintained detailed records and ensured compliance with all regulatory requirements
  • Provided excellent customer service by addressing client inquiries and resolving issues promptly

Junior Loan Processor

Professional Home Mortgage
06.2008 - 12.2009
  • Processed loan applications by collecting and verifying borrower information and documentation
  • Communicated with borrowers, real estate agents, and underwriters to ensure timely and accurate loan processing
  • Assisted in preparing loan files for underwriting and closing
  • Ensured compliance with all federal and state regulations and company policies
  • Delivered exceptional customer service by addressing client questions and concerns

Server

Tomato Cafe
05.2006 - 05.2008
  • Provided excellent customer service by taking orders, serving food and beverages, and ensuring customer satisfaction
  • Maintained cleanliness and organization of the dining area
  • Assisted in training new staff members on restaurant procedures and customer service standards
  • Handled cash and credit transactions accurately and efficiently
  • Addressed customer inquiries and resolved complaints in a professional manner

Server

Benniguins
06.2004 - 04.2006
  • Delivered high-quality customer service by taking orders, serving food and beverages, and ensuring a pleasant dining experience
  • Managed multiple tables efficiently in a fast-paced environment
  • Assisted in maintaining a clean and organized dining area
  • Handled cash and credit transactions accurately
  • Resolved customer complaints and inquiries promptly and professionally

Restaurant Manager

Long John Silver's
05.2002 - 05.2004
  • Oversaw daily operations of the restaurant, ensuring compliance with company standards and health regulations
  • Managed staff recruitment, training, and development to maintain a high-performing team
  • Monitored inventory levels and placed orders to ensure adequate stock of supplies
  • Handled customer complaints and resolved issues to ensure a positive dining experience
  • Implemented marketing strategies to increase sales and customer engagement
  • Maintained financial records and prepared reports on sales and expenses

Shift Manager

McDonald's
05.2002 - 04.2004
  • Oversaw daily operations during shifts, ensuring compliance with company standards and health regulations
  • Managed staff scheduling, training, and performance evaluations
  • Handled customer complaints and resolved issues to ensure a positive dining experience
  • Monitored inventory levels and placed orders to ensure adequate stock of supplies
  • Ensured compliance with safety and sanitation standards
  • Assisted in financial reporting and analysis to improve operational efficiency

Assistant Manager

McDonald's
06.2000 - 04.2002
  • Assisted the restaurant manager in overseeing daily operations and ensuring smooth workflow
  • Supervised and trained staff, ensuring adherence to company policies and procedures
  • Managed inventory, placed orders, and ensured timely delivery of supplies
  • Handled customer complaints and resolved issues to maintain high customer satisfaction
  • Assisted in scheduling staff and managing payroll
  • Ensured compliance with health and safety regulations

Education

Residential Appraisal School - Cosmetology

Certification

Federal Housing Administration (FHA) as a Direct Endorsement (DE) Underwriter, BB38

Underwritingauthority

  • Super Jumbo
  • Jumbo
  • Conforming
  • Non-Conforming
  • Conventional
  • MFA
  • Alt-A
  • Automated underwriting DE
  • DU
  • LP
  • CLUES

Overview

24
24
years of professional experience
1
1
Certificate

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Daryl Joseph Dorschner