David Brink
Summary
Dedicated Financial professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
23
23
years of professional experience
Work History
Mortgage Loan Underwriter
Wells Fargo Home Mortgage
Minneapolis , Minnesota
08.2020 - Current
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members and other internal departments to communicate errors and obtain missing information for current applications.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Met required timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Rated 2021 Top Performer Company Wide as 1 of 1500 employees funding 25+ loans / month while accurately maintaining pipelines of 20-50 loans.
Commercial Flood Risk Associate - LOL/Pre-Close
Wells Fargo Bank N.A.
Minneapolis, Minnesota
07.2019 - 08.2020
- Supported Commercial Real Estate Group for Life of Loan and Capital finance. Was responsible for due diligence required for FDPA compliance on all transactions.
- Ensured company is fully assessing risk by assisting in variate of flood compliance processing activities for commercial, commercial real estate and/or problem loans
- Assisted in ongoing life of loan monitoring of Flood activities by sending 45 and 15 day notices and implementing Lender placed insurance when necessary by performing customer, loan and regulatory diligence.
- Assisted in on-going portfolio maintenance.
- Evaluated and uploaded data into banks system of record.
- Managed assigned portfolio of loans.
- Engaged with LOB partners, Asset Managers, Flood Vendors and stakeholders to drive completion and resolution of file analysis.
Senior Mortgage Processor
Wells Fargo Home Mortgage
Minneapolis, Minnesota
04.2016 - 07.2019
- 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.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Developed and maintained courteous and effective working relationships.
- Pre-underwrite applications for accuracy based on industry and company standards.
- Maintained overall customer satisfaction of closing on time of 95%
Customer Service Representative
Wells Fargo Home Mortgage
San Antonio, TX
01.2014 - 04.2016
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Provided primary customer support to internal and external customers.
- Answered constant flow of customer calls with minimal wait times.
- Strong Telephone etiquette skills
- Call center customer service experience in the financial services industry.
Research and Resolution Risk Specialist
JPMorgan Chase
Houston, TX
10.2009 - 08.2013
- Investigated allegations to check validity and recommend actions to minimize risk.
- Handled escalations of customer complaints and issues according to internal risk management policies, keeping liability minimized by leveraging expertise and available tools.
- Performed in-depth research and investigations and recommended strategies to resolve problems and prevent further concerns.
- Completed statistical reviews to uncover trends, patterns and variations.
- Performed root cause analysis through Research and Remediation to determine if issues were due to Procedural, operational or system and seek resolution to ensure non-recurrence.
Quality Analyst
Electronic Data Systems, EDS/HP
Corpus Christi, TX
10.2003 - 10.2009
- Developed and maintained quality assurance procedure documentation.
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
- Collaborated with management to provide training on improved processes and assisted with creation and maintenance of quality training.
- Collected and analyzed activity data and initiated, developed and recommended improvements to systems, processes and procedures to increase productivity and reduce cost.
- Inspected, verified and documented quantifiable characteristics of finished goods by comparing against customer specifications and company quality standards.
Customer Service Representative
JPMorgan Chase
San Antonio, TX
02.2001 - 09.2003
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Provided primary customer support to internal and external customers.
- Cultivated customer loyalty, promoted repeat business and improved sales.
- Consulted with outside parties to resolve discrepancies and create expert solutions.
- Exhibited high energy and professionalism when dealing with clients and staff.
- Educated customers about billing, payment processing and support policies and procedures.
Education
Bachelor of Arts - Liberal Arts And Sciences
Slippery Rock University
Slippery Rock Pennsylvania01.2009
Skills
- 15 years Commercial Lending Pre-Closing and Life of Loan Experience
- Ability to navigate multiple computer systems, applications, and utilize search tools to find information
- Strong Analytical skills with high attention to detail and accuracy
- Knowledge and understanding of Flood Disaster Protection Act, NFIP and FEMA and Private insurance policies to deliver accurate information of process to developers and commercial clientele
- Reviewed and interpreted complex commercial loan documents for accuracy and proper adherence
- Excellent verbal, Written and interpersonal communication skills
- Proficient in Microsoft Office (Word, Excel, outlook and Powerpoint ) as well as proficient in Adobe writer
- Able to work effectively in team environments and across all organizational levels with flexibility, collaboration and adaptability
- Able to work in fast-paced deadline driven environments while maintaining organization, multi-tasking and Prioritizing
- Knowledge and understanding of flood insurance policy requirements, contents values, proposals and appraisals
- 4 years experience in quality assurance,
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Member of the Building Better Builder team. A committee of 4 Processors, 4 Underwriters and 4 Closers established to streamline operations and communication to enhance the overall loan origination process withing the New Construction department resulting in less confusion between the three phases of origination while maintaining adherence with company and federal guidelines resulting in an increased overall customer satisfaction for the department.
- Member of the Wells Fargo India focus group as one of 5 Processor subject matter expert established to discuss and enhance operation management for their assistance to the origination of Mortgage process.
- Trained, Mentored , Coached and encouraged new hires as well as seasoned team mates.
- Subject matter expert for Commercial Lending Wholesale Flood Services for insurance review for Pre-Close Capital Finance Commercial Lending.
Timeline
Mortgage Loan Underwriter
Wells Fargo Home Mortgage
08.2020 - Current
Commercial Flood Risk Associate - LOL/Pre-Close
Wells Fargo Bank N.A.
07.2019 - 08.2020
Senior Mortgage Processor
Wells Fargo Home Mortgage
04.2016 - 07.2019
Customer Service Representative
Wells Fargo Home Mortgage
01.2014 - 04.2016
Research and Resolution Risk Specialist
JPMorgan Chase
10.2009 - 08.2013
Quality Analyst
Electronic Data Systems, EDS/HP
10.2003 - 10.2009
Customer Service Representative
JPMorgan Chase
02.2001 - 09.2003
Bachelor of Arts - Liberal Arts And Sciences
Slippery Rock University