David Sellars
Summary
Navy veteran and Underwriter with over 15 years in financial analysis, risk management, and fraud detection. Recognized for improving compliance and revenue recovery through effective process enhancements and cross-functional collaboration. Proven ability to manage high-volume workloads while delivering exceptional customer service.
Overview
27
27
years of professional experience
Work History
Revenue Officer
INTERNAL REVENUE SERVICE (IRS)
07.2024 - 02.2025
- Executed enforced collection actions including levies, seizures, liens, and redemptions; prepared affidavits and testimony for legal proceedings to support successful legal outcomes.
- Investigated and collected delinquent taxes from individuals and businesses, developing action plans to resolve liabilities and restore compliance, thereby enhancing tax revenue recovery.
- Conducted field interviews to assess assets, hardship indicators, and financial capacity; analyzed balance sheets, Profit and loss statements, and supporting records.
- Performed asset tracing through public records and third-party summons; identified fraud indicators and referred cases for criminal investigation.
- Advised taxpayers on rights, obligations, installment agreements, and offers in compromise, facilitating informed decisions and promoting compliance.
Underwriting & Servicing Roles
WELLS FARGO
07.2009 - 03.2024
- Underwrote high-risk consumer loans, adhering to Fannie Mae and Freddie Mac guidelines.
- Ranked in top 5% for quality among underwriters from 2016 to 2022.
- Conducted fraud reviews, collaborating with teams to mitigate risk exposure.
- Provided mentorship and second-level review for loan decisioning to junior underwriters.
- Performed advanced income analyses for various income types, ensuring accurate evaluations.
- Managed complex audits using SharePoint and DMS, enhancing documentation processes.
- Offered performance feedback to reduce audit errors and improve team outcomes.
- Served as single point of contact for delinquent customers, negotiating repayment plans.
Assistant Manager
AMERICAN GENERAL FINANCIAL
Vancouver, Washington
01.2004 - 07.2009
- Oversaw branch operations, cash management, and customer service, ensuring smooth workflow in manager’s absence.
- Managed collections processes, including skip tracing, field visits, repossessions, and foreclosure initiation, to recover outstanding debts.
- Trained new employees on compliance and operational procedures, enhancing team readiness and adherence to standards.
- Underwrote secured and unsecured personal loans; processed auto titles.
- Sold life and property and casualty insurance products
New Car Sales Consultant
Various Dealerships
Portland , OR
07.1998 - 07.2004
- Greeting customers and assessing their vehicle needs through questions and active listening
- Presenting and demonstrating vehicles, including features, performance, and options
- Conducting test drives and explaining warranties, financing, and trade-in options
- Negotiating prices and financing terms ethically and transparently
- Completing all sales paperwork accurately and in a timely manner
- Maintaining knowledge of current inventory, promotions, and automotive trends
- Building and maintaining long-term customer relationships to encourage repeat business
- Participating in dealership marketing events and promotional activities
- Collaborating with team members to achieve sales targets and maintain a professional showroom environment
Education
FAA Air Traffic Control License -
Air Traffic Control School
Millington, TN02-1994
High School Diploma -
Benson High School
Portland, ORSkills
- Revenue Optimization
- Financial Analysis
- Financial Forecasting
- Cash Flow Analysis
- Risk Management
- Fraud Detection
- Data Analysis
- Performance Metrics
- Sales Strategy
- Market Research
- Business Planning
- Process Improvement
- Cross-Functional Leadership
- Customer Insights
- Revenue Growth
- Core
- Loan underwriting
- Regulatory compliance
- Attention to detail
- Effective communication
- Problem solving
- Audit management
- Fraud investigation
- Collection processes
- Risk assessment
Nmls Number
1525006
Core Competencies
Financial Analysis, Fraud Detection, Risk Management, Mortgage Banking, Conventional Financing, Underwriting, Process Improvement, Cross-Functional Leadership, Business Planning, Core, Hogan, Shaw, YOM, CACS, FDR, Emerald
Military Service
U.S. Navy, Flight Planning, Fallon, NV
Timeline
Revenue Officer
INTERNAL REVENUE SERVICE (IRS)
07.2024 - 02.2025
Underwriting & Servicing Roles
WELLS FARGO
07.2009 - 03.2024
Assistant Manager
AMERICAN GENERAL FINANCIAL
01.2004 - 07.2009
New Car Sales Consultant
Various Dealerships
07.1998 - 07.2004
FAA Air Traffic Control License -
Air Traffic Control School
High School Diploma -
Benson High School