Summary
Overview
Work History
Education
Skills
Websites
Military Experience
Certification
Timeline
Generic

Fredric Bantin

Converse

Summary

Experienced Mortgage Underwriter with a comprehensive background in credit decision-making and regulatory compliance. Demonstrated ability to analyze complex loan scenarios, ensuring adherence to underwriting guidelines while maintaining quality assurance. Proven track record in managing portfolios and streamlining processes to enhance operational efficiency. Skilled in communication and collaboration, effectively addressing inquiries from various stakeholders regarding underwriting decisions.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Sr. Mortgage Loan Processor

First Continental Mortgage Corporation
San Antonio
06.2024 - Current
  • Processed VA and conventional mortgage applications across multiple loan products, facilitating approvals and reducing loan processing times.
  • Maintained high service levels by promptly updating members and third parties on loan status, contributing to a major reduction in application turnaround time.
  • Expedited loan approvals by proactively coordinating with realtors and third parties to secure required documentation, significantly reducing processing delays.

Credit Analyst

Soarion Credit Union
San Antonio
04.2023 - 04.2024
  • Spearheaded the development of comprehensive policies and procedures governing income determination, contributing to heightened clarity and consistency in assessing eligible income sources.
  • Fostered cross-functional collaboration with diverse departments to enhance end-to-end processes spanning the entire application-to-funding lifecycle.
  • Evaluated and rendered credit decisions for an unprecedented volume of applications, ensuring prompt and precise responses across multiple lending products.

Risk Analyst/Scenario Desk Underwriter

First United Bank & Trust
Remote
02.2022 - 12.2022
  • Responsible for completing complex loan reviews, identifying challenges related to income, asset, credit, and compliance. Often requiring direct contact with investors.
  • Decisions rendered contributed approximately $100M in revenue during my tenure in department.
  • Communicated directly with bank executives to report on trends affecting loan application quality, proposing resolution strategies and creating training material for sales to coincide with reporting.

Branch Operations Manager

Cardinal Finance
Remote
10.2021 - 02.2022
  • Engineered and implemented process improvements that reduced processing times and consistently met closing date objectives.
  • Acted as a subject matter expert in mortgage lending, bridging communication between sales and operational teams to ensure efficient processes.

Mortgage Underwriter Manager

OnQ Financial
Remote
04.2020 - 10.2021
  • Led a team of 20 contract underwriters, streamlining loan assignments and improving resource allocation.
  • Developed a process for regulatory notice compliance, reducing penalties and mitigating customer impact.
  • Established a special unit to address multifaceted responsibilities, improving team productivity and reducing the workload on staff.

Business Analyst

Accenture
San Antonio
10.2019 - 03.2020
  • Delivered key projects for government agencies, including the Department of Transportation, IRS, and US Air Force.
  • Created reporting mechanisms that reduced earnings loss by ensuring project estimations were aligned with actual performance.

Mortgage Underwriting Manager

USAA
San Antonio
01.2017 - 08.2017
  • Led 28 contract underwriters specializing in conventional and VA IRRRL loans, required to maintain the same level of production and customer service scores while meeting service level agreements within the department.
  • Recognized for coaching and mentoring the group, exceeding expectations regarding performance levels individually and as a group against peers performance metrics.

Senior Mortgage Underwriter

Wells Fargo
San Antonio
04.2012 - 08.2014
  • Achieved 98% accuracy in quality standards, surpassing production metrics by 25%.
  • Led a project to modify mortgage agreements for homeowners, reversing payment performance issues and aiding loan portfolio stabilization.

Mortgage Underwriter

USAA
San Antonio
03.2009 - 03.2012
  • Spearheaded a collateral review process that reduced pipeline lifespan by 25% and errors by 12%.
  • Recognized for exceeding quality and production standards, ensuring compliance with federal lending practices.

Education

Bachelor of Science - Leadership Studies, Criminal Justice

University of the Incarnate Word
San Antonio, TX

Skills

  • Leadership and training initiatives
  • Communication skills
  • Credit decision-making
  • Cash flow analysis
  • Quality assurance
  • Portfolio management
  • Manual underwriting
  • Regulatory compliance
  • Project management
  • Pipeline management
  • Financial analysis
  • Analytical expertise
  • Process streamlining
  • Policy development
  • Fraud investigation
  • Collateral evaluation
  • Tracking and reporting

Military Experience

  • US Marines and US Air Force Reserves – Retired, Corrections/Police Officer, 01/01/93 - 12/31/00, Corrections/Police Officer, 01/01/10 - 12/31/22
  • Gaps in employment dates were due to required service times during my enlistment with the US Air Force Reserves

Certification

  • DE Certification

Timeline

Sr. Mortgage Loan Processor

First Continental Mortgage Corporation
06.2024 - Current

Credit Analyst

Soarion Credit Union
04.2023 - 04.2024

Risk Analyst/Scenario Desk Underwriter

First United Bank & Trust
02.2022 - 12.2022

Branch Operations Manager

Cardinal Finance
10.2021 - 02.2022

Mortgage Underwriter Manager

OnQ Financial
04.2020 - 10.2021

Business Analyst

Accenture
10.2019 - 03.2020

Mortgage Underwriting Manager

USAA
01.2017 - 08.2017

Senior Mortgage Underwriter

Wells Fargo
04.2012 - 08.2014

Mortgage Underwriter

USAA
03.2009 - 03.2012

Bachelor of Science - Leadership Studies, Criminal Justice

University of the Incarnate Word

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