Franz Tabar
Parma Heights,Ohio
Summary
Finance professional with over 30 years of experience in residential mortgage lending, focusing on underwriting, management, operations, compliance, and customer support. Expertise in streamlining processes to enhance efficiency and productivity. Demonstrated success in leading teams to achieve business objectives while maintaining compliance with company standards. Committed to driving growth through effective management and problem-solving techniques.
Overview
36
36
years of professional experience
Work History
Accounting Specialist Contractor
Valtronic Technologies / Cicor
01.2024 - 02.2026
- Ongoing standard cost analysis and update.
- Manage accounts receivable and collection support.
- Account reconciliation as necessary.
Accounting Manager
Libra Industries, LLC
Mentor, Ohio
01.2023 - 12.2023
- General Ledger account reconciliation.
- Manage accounts receivable and collection support.
- Finance Department driver/ support for new ERP implementation companywide.
Remote Regional Underwriting Scenario Specialist
CrossCountry Mortgage
Parma Heights, Ohio
01.2022 - 09.2022
- Provide up-to-date FHA, VA, USDA, Conventional and other Non-Conforming Investor underwriting guidance to the company's nationwide loan origination staff using Salesforce application.
- Thorough knowledge of all mortgage product and policy guidelines requiring awareness of updates for the various GSE and Investor products.
- Trust and Condominium / PUD project reviews for agency compliance.
- Provide investor specific guidance as well as review, analysis and calculation of borrower income to be used in the underwriting process. Review of both personal and business federal income tax returns, P&L and Balanced Sheet as necessary for verifying qualifying income.
Senior Underwriter
Nationwide Mortgage Bankers
01.2020 - 01.2021
- Underwrite FHA, Conventional Agency and Non-Agency loans including manual FHA, FNMA, FHLMC, Jumbo and specialty investor products, including Condo and PUD reviews.
- Review new loan files and resubmitted loan files through clear to close.
- Communicate decisions to sales and operational staff.
Government & Conventional Underwriter
Freedom Mortgage Corporation
01.2018 - 01.2020
- Underwrite FHA, Conventional Agency and Non-Agency loans including manual FHA, FNMA, FHLMC, State Bond Programs and specialty investor products for the South and East Retail Underwriting Team.
Regional Underwriting Manager
Freedom Mortgage Corporation
01.2016 - 01.2018
- Develop and manage underwriting for a regional operations group in a growing Independence Ohio office of sales, processing and closing staff.
- Maintain underwriting SLA for decision making.
- Provide support to underwriting and help maintain loan quality requirements.
Mortgage Operations Team Lead & Underwriter
Augustine Financial Services, LLC
Akron, Ohio
01.2015 - 09.2015
- Oversaw mortgage loan processing and underwriting, ensuring timely completion per contract requirements.
- Ensured adherence to regulatory requirements for governmental agencies and investors.
Vice President, Compliance & Secondary Marketing
Lorain National Bank
Lorain, Ohio
01.2010 - 01.2014
- Oversee regulatory and compliance related matters for the Bank's Mortgage and Consumer Loan programs.
- Implement Dodd-Frank Act regulatory requirements with residential mortgage within the Mortgage Loan Operating System and customer loan documents.
- Work directly with the Bank's Risk Department, internal auditors and the Bank's regulators.
- Train mortgage and consumer lending staff on Reg X/RESPA, Reg Z/TILA, FCRA and Reg B as they relate to residential lending, keeping all staff updated on any regulatory changes.
- Supervise Secondary Marketing, including scheduled reviews of mortgage pipeline with staff, purchasing contracts with FHLMC or outside investor, and set pricing.
- Supervise mortgage operations.
- Underwrite mortgage loans, including conforming, conventional and FHA loan types.
Vice President, Residential Lending/Operations Manager
Lorain National Bank
Lorain, Ohio
01.2007 - 01.2010
- Managed mortgage processing, underwriting, closing and post-closing conventional and government loans.
- Monitor the mortgage pipeline to manage desired secondary marketing, sales and external customer turn time expectations.
- Supervised Secondary Marketing which included scheduled reviews of mortgage pipeline with staff, purchasing contracts with FHLMC or outside investor, and set pricing with senior management consult.
- Quality Control responses as necessary with external vendors.
- Worked directly with bank's servicing, risk and customer service management.
Vice President, Center Manager of Underwriting
Chase Home Mortgage
Independence, Ohio
01.2005 - 01.2007
- Manager for Regional Chase Wholesale Operations Center.
- Staff management of PMI contract underwriters and Chase underwriters reviewing wholesale conventional and government loans in a five-state region.
- Oversight/audit of compliance and accuracy of all work, close management of turn time of work, maintain distribution of high volume of workload, monthly employee reviews, inform staff regarding product or procedural changes.
Assistant Vice President, Regional Underwriting Manager
Fifth Third Bank
Cleveland, Ohio
01.1990 - 01.2005
- Managed residential underwriting staff as well as underwrite loans, both conventional and government.
Education
B.S. - Business Administration
Marquette University
Milwaukee, WI05-1988
Skills
- Loan underwriting
- Attention to detail
- Problem solving
- Effective communication
- Regulatory compliance
- Data analysis
- Risk management
- Operational excellence
Timeline
Accounting Specialist Contractor
Valtronic Technologies / Cicor
01.2024 - 02.2026
Accounting Manager
Libra Industries, LLC
01.2023 - 12.2023
Remote Regional Underwriting Scenario Specialist
CrossCountry Mortgage
01.2022 - 09.2022
Senior Underwriter
Nationwide Mortgage Bankers
01.2020 - 01.2021
Government & Conventional Underwriter
Freedom Mortgage Corporation
01.2018 - 01.2020
Regional Underwriting Manager
Freedom Mortgage Corporation
01.2016 - 01.2018
Mortgage Operations Team Lead & Underwriter
Augustine Financial Services, LLC
01.2015 - 09.2015
Vice President, Compliance & Secondary Marketing
Lorain National Bank
01.2010 - 01.2014
Vice President, Residential Lending/Operations Manager
Lorain National Bank
01.2007 - 01.2010
Vice President, Center Manager of Underwriting
Chase Home Mortgage
01.2005 - 01.2007
Assistant Vice President, Regional Underwriting Manager
Fifth Third Bank
01.1990 - 01.2005
B.S. - Business Administration
Marquette University