Dustin Cardwell
Taylor,AZ
Summary
Knowledgeable and efficient professional with extensive experience in financial industry. Prepares detailed client financial information to meet strict government and state regulations. Possesses comprehensive knowledge of conventional and government loan programs to fulfill customer needs.
Overview
19
19
years of professional experience
Work History
Loan Processor
District Lending
10.2022 - 10.2023
- Communicate with borrowers, underwriters, and loan officers to assemble file for underwriting
- Disclose loans to borrower to ensure esign of initial disclosures
- Ensure that all the documentation necessary to obtain loan approval has been received, reviewed, and updated
- Review all files for completeness and accuracy prior to loan submission
- Review items needed on conditional approval.
Post Sales Coordinator
Ferguson Enterprises, Inc
06.2022 - 05.2023
- Maintain a pipeline of loans and responsible for the timely and compliant flow of loans until closing
- Confirm loan compliance with all state and federal regulations and policies, as well as investor/mortgage lending product and program guidelines
- Reviewed all information for accuracy in the closing documentation, third party orders, invoices, closing packages, and loan files
- Review all closing conditions are satisfied and executed according to closing instructions
- Communicate with Title and obtain the necessary information for closing
- Ensure closing documents are sent to title/attorney in a timely manner to meet the closing date
- Managed the purchasing, maintenance, and delivery timelines for orders placed by clients
- Proactively communicate order status via phone and email
- Recommend products to customers, based on customers' needs and interests
- Apply approved processes and procedures where necessary to resolve vendor concerns timely and efficiently
- Took payment information and provided invoices and receipts to clients.
Home Loan Specialist III/ Broker Direct
PennyMac Loan Service, LLC
12.2019 - 06.2022
- Account reconciliations when clients want an explanation of balance due
- Managed multiple systems at once
- Review, Wage, Retirement, Self-Employment, 8825 and other income type documents
- Run AUS/DU/LP and reviewed for guideline changes
- Audited loans completed by co-workers to determine if loans were completed correctly
- Reviewed all documents in file, including but not limited to 1003, Appraisal, Purchase Contracts, Profit and Loss, Tax Bills, Homeowners Insurance, Tax Returns and other documents for accuracy.
Home Loan Specialist III/ Broker Direct
PennyMac Loan Service, LLC
04.2018 - 12.2019
- Credit signing authority with delegated limits, including clearing conditions and issuing changes to the terms on previous conditions
- Responsible for, but not limited to, verifying conditions of loan approval which includes income and assets review
- Work directly with Account Managers to relay missing documents to Broker, while providing exceptional customer service to maintain Broker relationships
- Attention to detail when working on loans to ensure regulatory and state guidelines are met and conditions are added accurately to ensure a better overall customer experience
- Responsible for reviewing and entering accurate information from documents such as: Title, Closing Protection Letter, Income Documents, Asset Documents, Tax Returns, Hazard Insurance Documents
- In addition to reviewing all uploaded documents from Broker to determine need and validity to documents
- Work directly with upper management to relay any gaps in procedures in order to expedite a resolution for a better overall customer experience.
Loan Processor
PennyMac Loan Service, LLC
07.2016 - 04.2018
- Process Conventional, FHA Streamline and VA IRRL loans
- Verifying of conditions of loan approval
- Work with Underwriter for loan approvals
- Review Bank Statements and Assets
- Resolve title issues such as Vesting and Judgement Liens
- Ensure loans met FHA guidelines
- Collect required documents from borrower in a timely manner.
SR. Research Specialist
PennyMac Loan Services, LLC
12.2015 - 07.2016
- Training new team members to work Secure Messages sent from borrower
- Provide feedback and help create new policies to responding to Secure Messages
- Field questions from team members
- Whitelist Mortgage Documents for borrowers
- Audit the documents being whitelisted to ensure correct documents are made available to borrowers
- Handle escalated Secure Messages from borrowers
- Delegate work and pull reporting when Supervisor is out
- Subject matter expert on Secure Messages while maintaining highest Email production on team.
Research Specialist
PennyMac Loan Services, LLC
11.2013 - 12.2015
- Correspond via email and written communication to borrower's concerns addressed to company and Executive Personnel
- Handle death of borrower.
HLM Loan Processor
JPMorgan Chase
05.2012 - 11.2013
- Communicate with borrowers who want to speak directly to CEO of company or any Executive Personnel
- Knowledge of Consumer Financial Protection Bureau guidelines and response times
- Work directly with management to complete escalated complaints from borrowers
- Process payment refunds to borrowers
- Process and prepare mortgage loans (conventional and government, purchase and refinance) under various loan programs for closing in accordance with policies & procedures.
Job Coach
JPMorgan Chase
02.2012 - 05.2012
- Trained new hires on the job functions by conducting training classes and having weekly meetings with supervisors and teams to communicate the updated policies
- Attended weekly meetings to update staff on new policies and procedures
- Subject matter expert for policy and procedure questions from staff and from management.
Loss Mitigation Relationship Management Specialist III
JPMorgan Chase
07.2011 - 02.2012
- Corresponded directly with customers, brokers, title companies, and attorneys in order to facilitate delinquency resolution through Loss Mitigation, consultation, and collection efforts to avoid foreclosure
- Analyzed borrower requests for assistance which included various workout options depending on the borrower's intent to retain or liquidate the property and policy guidelines
- Negotiated and closed optimal outcome with customers which required information gathering from borrowers, document requests, financial analysis, inbound and outbound calls.
Director of Business and Development
HRC-Pay Controller
11.2010 - 06.2011
- Brought in new business by making over 100 outbound daily calls and setting up appointments to present our payroll system
- Marketed and strategized with CEO to promote business by inputting decisions on flyers, business cards, memberships at Chamber of Commerce and weekly promotions
- Assisted with meetings to oversee current business goals.
Color Timing Assistant
Deluxe Hollywood
04.2008 - 11.2010
- Assisted Color Timers in making color changes by watching reels of film and matching color to pre-approved reels by customer
- Sat with Directors and Post Supervisors to verify condition with Color Timer after matching of pre-approved reels was made
- Worked with Vice Presidents and Upper Management to meet company deadlines on upcoming feature film releases
- Monitored film for quality assurance to ensure scratches and dirt were not on film
- Input piracy codes into network and film using in-house systems
- Worked with Negative Inspection to clean dirt off of film by notating exact frame location of dirt.
Positive Assembly
Deluxe Hollywood
11.2007 - 04.2008
- Watched movie reels at high speed and monitored for dirt and scratches on film using a projector
- Spliced film together by cutting film and taping it according to the section taken out
- Approved prints to be shown as Show prints and Select prints which were sent to premier screenings
- Worked with upper management to uphold commitments made from the company to the client in regards to the release of the feature film
- Cross-trained and provided basic departmental knowledge when needed to new and existing employees.
Shipping and Receiving
Deluxe Hollywood
06.2007 - 11.2007
- Shipped elements to selected destinations that have pre-ordered the feature film
- Shrink wrapped, boxed, labeled and logged all elements sent out of laboratory
- Worked with management to expedite elements during deadlines and special client relations
- Communicated with clients to ensure receipt of elements.
Executive Customer Relations
Countrywide Home Loans, Inc.
10.2005 - 03.2007
- Resolved mortgage disputes under the CEO
- Researched loans to identify disputes and resolve within a specific time frame
- Made decisions on mortgages with the best interest of the company in mind, while making fair judgments when evidence is favoring the client
- Cited inaccuracies on loans during audits
- Responded to regulatory agencies and attorneys according to the dispute made
- Handled supervisor calls when customer requests a supervisor
- Logged incoming calls and customers' concerns into the database
- Researched customers' concerns and called customers with resolutions.
Resolution Management Group
Countrywide Home Loans, Inc.
04.2005 - 10.2005
- Researched loans to identify disputes and resolve within a specific time frame
- Made decisions on mortgages with the best interest of the company in mind, while making fair judgments when evidence is favoring the client
- Cited inaccuracies on loans during audits
- Responded to regulatory agencies and attorneys according to the dispute made.
Customer Service Representative/On the Job Training Coach
Countrywide Home Loans, Inc.
10.2004 - 04.2005
- Provided customer service for an average of over 75 calls per day, answering customer inquiries, solving problems, and providing new product information
- Earned 'Top Referrer' in my training class for referring and closing the most refinancing opportunities available
- Directed calls to appropriate individuals and departments
- Provided on-the-job training to new customer service representatives by monitoring calls and providing constructive feedback
- Created a positive and fun work environment to motivate my representatives and to help them reach their full potential
- Provided feedback to management regarding my representatives' strengths and weaknesses
- Recommended representatives to additional departments based on their strengths as to utilize them in the best way possible for the company.
Education
Diploma -
Snowflake High School
Snowflake, AZ01.2000
Skills
- MSP/AS400
- LPS Desktop
- Agent Desktop
- CLOSR
- Chase File Manager (CFM)
- LenderLive
- DW (Default Workflow)
- LAFA
- PennEDocs
- LAMP
- CCN Secure Email Website
- Encompass
- FHA Connection
- Credco
- Lender Portals (UWM, Rocket Mortgage, PennyMac, Kind Lending)
- 3rd Party Processing Systems (Advantage Credit, Property Profile, County Websites)
- Arive
- Lending Pad
- Escrow Account Management
Recommendations
- Tami Matthews, District Lending, tamim@districtlending.com, 602-475-5235
- Hai Le, PennyMac Loan Services, LLC, haile_wcf@yahoo.com
- Jeff Keeland, PennyMac Financial Services, jeffery.keeland@pennymac.com, 469-629-6040
- Elizabeth V. Marschall, U.S. Bank, elizabeth.marschall@usbank.com, 805-469-7890
Timeline
Loan Processor
District Lending
10.2022 - 10.2023
Post Sales Coordinator
Ferguson Enterprises, Inc
06.2022 - 05.2023
Home Loan Specialist III/ Broker Direct
PennyMac Loan Service, LLC
12.2019 - 06.2022
Home Loan Specialist III/ Broker Direct
PennyMac Loan Service, LLC
04.2018 - 12.2019
Loan Processor
PennyMac Loan Service, LLC
07.2016 - 04.2018
SR. Research Specialist
PennyMac Loan Services, LLC
12.2015 - 07.2016
Research Specialist
PennyMac Loan Services, LLC
11.2013 - 12.2015
HLM Loan Processor
JPMorgan Chase
05.2012 - 11.2013
Job Coach
JPMorgan Chase
02.2012 - 05.2012
Loss Mitigation Relationship Management Specialist III
JPMorgan Chase
07.2011 - 02.2012
Director of Business and Development
HRC-Pay Controller
11.2010 - 06.2011
Color Timing Assistant
Deluxe Hollywood
04.2008 - 11.2010
Positive Assembly
Deluxe Hollywood
11.2007 - 04.2008
Shipping and Receiving
Deluxe Hollywood
06.2007 - 11.2007
Executive Customer Relations
Countrywide Home Loans, Inc.
10.2005 - 03.2007
Resolution Management Group
Countrywide Home Loans, Inc.
04.2005 - 10.2005
Customer Service Representative/On the Job Training Coach
Countrywide Home Loans, Inc.
10.2004 - 04.2005
Diploma -
Snowflake High School