Summary
Overview
Work History
Education
Skills
Accomplishments
Licenses, Certifications and Other Accomplishments
Timeline
Generic

Jeff Schroeder

Savage,MN

Summary

Highly-motivated individual with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills and Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking position where I can help other people and use my knowledge, experience and skills that I gained over the years in underwriting and analyzing different situations to come to conclusion helping veterans. As a Analytical team player that has good judgement, integrity, ethical and common sense approach while following procedures, policies and guidelines which I gained from years in the financial industry, which can be applied to this position with the Department of Veterans Affairs.

Overview

14
14
years of professional experience

Work History

Professional OTR Truck Driver (40hr+ FT- 70k)

Halvor Lines
Superior, WI
03.2023 - Current
  • Demonstrated safe driving by observing road rules, exercising caution in unfamiliar areas and maintaining vehicle control.
  • Inspected truck for defects and safe operating condition before, during and after trips.
  • Logged driving hours and fuel usage data on time to keep reports current.
  • Conducted vehicle inspections before and after every trip and performed minor repairs to keep truck functional.
  • Read and interpreted maps to determine vehicle routes.
  • Maintained telephone and radio contact with supervisor to receive delivery instructions.
  • Hooked and unhooked trailers from tractor and converter dollies.
  • Delivered customer orders to homes and places of business within established time frames.
  • Established relationships with customers through use of interpersonal, active listening and inquiry response skills.
  • Retained valid proof of insurance and registration in vehicles.
  • Utilized pallet jacks and forklifts to load and unload materials off trucks.
  • Used ropes and blocks to safely secure cargo for transport.
  • Conducted emergency roadside repairs, changed tires, replaced light bulbs and installed fuses and tire chains.
  • Maintained safe driving habits to protect property and general public on roadways.
  • Observed driving regulations and safety procedures, maintaining excellent safe driving record.
  • Added fluids, checked tires and kept interior and exterior spotless as part of vehicle upkeep.
  • Conducted daily DOT pre-trip inspections according to set checklist.
  • Inspected trucks and trailers before and after trips and completed basic maintenance for optimal performance.
  • Maintained vehicle logs, records of cargo, or billing statements in accordance with regulations
  • Promoted positive customer service by delivering on-time shipments and fully resolving issues.
  • Obtained signatures needed to complete and process paperwork.
  • Planned efficient routes and adjusted strategies based on current weather and traffic information.
  • Managed unexpected emergencies and route changes with calm and professionalism.
  • Coordinated with dispatch to receive updates, communicate efficient routes and convey delays.
  • Recorded expenses and maintained receipts.
  • Maintained strict compliance with safety rules for passenger and driver protection.
  • Responded quickly to customer complaints and gathered pertinent information to make educated decisions for remediation.

Personal Vehicle Delivery Driver(Seasonal-PT$27hr)

United Parcel Service (UPS)
Shakopee, MN
11.2022 - 12.2022
  • Loaded and unloaded boxes and packages to move to and from personal vehicle.
  • Packed boxes and stock using organizational guidelines.
  • Kept up to date on safety procedures and correct lifting techniques to prevent injuries.
  • Counted number of boxes or units in loading docks to confirm proper completion of work orders.
  • Used scanners to track parcel information, condition or receipt.
  • Applied barcodes to cargo and used digital scanners to track and locate materials during transportation.
  • Coordinated cargo unloading with other workers to achieve efficient and safe transportation.
  • Navigated route to customer locations using GPS maps.
  • Requested signatures or followed touch-free delivery procedures.
  • Sorted packages for delivery by arranging in delivery sequence.
  • Checked delivery paperwork against loads, issued receipts and updated logs.
  • Followed company and legal requirements for deliveries, money handling and transportation.
  • Directed and balanced loads to reduce on-road incidents.
  • Created delivery routes based on destinations and timelines to maintain efficiency.
  • Communicated frequently with dispatch to relay route changes and delays impacting customer delivery timetables.

Due Diligence Analyst and Supervisor (40hr+,$55hr)

Berkshire LP (Contract Position)
Lake Zurich, IL
11.2021 - 05.2022
  • Assisted with analysis and data gathering in support of risk assessment.
  • Conducted extensive research on FHA Issues and loan processes events to help find errors according to policies and procedures of lender and government guidelines and document these in reports.
  • Kept senior management informed of project statuses.
  • Oversaw impact assessments and wrote reports outlining findings.
  • Monitored regulatory change required by new and revised laws and regulations, communicating complex protocols and determining operational impacts.
  • Managed regulatory change required by new and revised laws and regulations, communicating complex requirements and identifying operational impacts.
  • Organized and maintained all files related to regulatory actions.
  • Answered consumer inquiries with friendly and knowledgeable support including team, upper management and clients.
  • Answered consumer inquiries with friendly and knowledgeable support.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Understood and followed oral and written directions.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Demonstrated leadership by making improvements to work processes and helping to train others.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Results from this contract was in favor of the client which a settlement of $38 million dollars.

Regional Underwriting Manager (40hr+, $120k Yr)

Caliber Home Loans
Coppell, TX
01.2021 - 10.2021
  • Inspected financial statements, credit information and title data to complete underwriting process.
  • Conducted accurate and thorough risk selection with proper classification of applicants
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Demonstrated leadership by making improvements to work processes and helping to train others.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Identified needs of customers promptly and efficiently.
  • Planned and completed group projects, working smoothly with others.
  • Mentored team members to succeed and advance within department and company.
  • Designed training schedules for new and existing employees.
  • Coordinated with managers to identify skill or knowledge gaps and implement training needs.
  • Planned and led training programs on staff development to enhance employee knowledge, engagement, satisfaction and performance.
  • Approved new training techniques and suggested enhancements to optimize existing training programs.
  • Consulted with senior leaders to develop and execute strategy and provide regular updates.
  • Collaborated with management to align on strategy and communication of content.
  • Developed testing and evaluation procedures to drive effective outcomes.
  • Produced reports and maintained training documents to support training activities.
  • Offered specific training programs to help workers generalized and job-specific abilities.
  • Scheduled meetings with employees to address concerns and grievances.
  • Assisted in employee recruitment, hiring and interview processes.
  • Handled employee discipline and termination to address policy infractions.
  • Liaised between management and employees by relaying work information, adjustments and grievances.
  • Conducted employee performance reviews and implemented corrective actions to increase productivity.
  • Organized employee directories and updated individual contact information.
  • Aligned HR policies with federal and local regulations.
  • Managed compensation, insurance and vacation days within employee benefits programs.
  • Suggested promotions and wage increases according to employee performance.
  • Created and implemented employee retention strategies.

Lending Manager 2 (40hr+, $110k-yr)

Wells Fargo Bank(Personal Loans & Lines Division)
St. Louis Park, MN
06.2015 - 12.2020
  • Oversaw loan process from origination through closing to check that every client received exemplary service.
  • Conducted employee one-on-one meetings to evaluate performance, resolve issues and provide job coaching.
  • Approved underwriting for consumer loans, lines of credit and home equity, including escalations and second level reviews.
  • Coached new employees to inform of company processes, procedures and deadlines.
  • Provided recommendations after completing loan analysis for prospects.
  • Recruited, interviewed and hired new workers offering valuable expertise and skills to lending department.
  • Directed team responsible for performing consumer lending compliance monitoring and risk assessments.
  • Managed team of 20 including Junior and Senior Underwriters plus Work Directors cultivating positive atmosphere and instilling model of dedication.
  • Coordinated approval or rejection of lines of credit- personal loans, including secured and unsecured, and secured vehicles.
  • Conducted reviews and evaluations for cost-reduction opportunities.
  • Worked with management to create performance measurement, employee development and employee compensation strategies.
  • Investigated workplace issues with professionalism and sensitivity and detailed incidents in reports to senior executives.
  • Encouraged open communications, promoting positive and pro-employee work environment.
  • Recruited new employees and built relationships, driving visibility.
  • Advised leadership on vacation and sick time, benefits, job services and employment discrepancies.
  • Participated and lead monthly risk meetings with upper management and risk teams, including presentations.

Lending Manager 1 (40hr- $100k-yr)

Wells Fargo Bank ( Mortgage Division)
Minneapolis, MN
03.2012 - 05.2015
  • Conducted employee one-on-one meetings to evaluate performance, resolve issues and provide job coaching.
  • Approved underwriting for consumer mortgage loans, including Conventional, HARP, VA, FHA and Non QM Loans, plus escalations and second level reviews.
  • Directed team responsible for performing consumer lending compliance monitoring and risk assessments.
  • Reviewed tax returns and financial statements to finish underwriting process.
  • Provided recommendations after completing loan analysis for prospects.
  • Managed team of 15 Underwriters, cultivating positive atmosphere and instilling model of dedication.
  • Consolidated business data into actionable metrics to simplify and highlight areas of concern and opportunity.
  • Coordinated approval or rejection of mortgage loans.
  • Coached new employees to inform of company processes, procedures and deadlines.
  • Understood and followed oral and written directions.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Demonstrated leadership by making improvements to work processes and helping to train others.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Identified needs of customers promptly and efficiently.
  • Planned and completed group projects, working smoothly with others.

Senior Underwriter (40hr+ $80k-yr)

Wells Fargo Bank, N.A.
Minneapolis, MN
03.2009 - 02.2012
  • Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
  • Conducted comprehensive analysis and evaluated risk to control underwriting loss.
  • Used authority to decide whether to accept, reject or suggest modifications to application proposals.
  • Worked with colleagues to review, accept or deny new and renewal business.
  • Maintained profitable book of business with careful attention to standards.
  • Reviewed inspections to confirm accounts written are consistent with preliminary underwriting information.
  • Assisted marketing and sales departments by providing expertise in underwriting and related areas.
  • Monitored junior underwriters' workflows to boost accuracy, align procedures and improve efficiencies.
  • Maintained underwriting quality score of 97.5% or greater.
  • Created action plan to handle accounts with unacceptable risk characteristics.
  • Evaluated mortgage loan risk based on sound underwriting decisions.
  • Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
  • Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
  • Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan.
  • Requested additional information and documents from borrower to help determine loan risk
  • Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
  • Maintained compliance with company and regulatory policies.
  • Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
  • Determined loan eligibility and approved or rejected applications.
  • Evaluated loans against portfolio and investor guidelines.
  • Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
  • Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
  • Requested additional information for applications and documents when necessary.
  • Reviewed and evaluated loan applications and supporting documents.
  • Supported system administrators for loan origination software by maintaining loan product definitions and specifications.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Analyzed loan risk and reviewed loan conditions and requirements.
  • Liaised with lenders, appraisers and other third parties to communicate needs and requirements.
  • Researched applicant employment and financial histories to confirm document accuracy.
  • Collaborated with loan originators and processors to correctly review and assess applications and risks.

Education

CDL Class A License

Interstate Truck Driving School
South St. Paul MN
03.2023

Computer Networking

KRS Computer School
Bloomington, MN
03.2001

Bachelor of Science - Business Administration And Management

St. John's University
Collegeville, MN

Skills

  • Organizational Skills
  • People Skills
  • Computer Skills
  • Basic and Advanced Math Skills
  • Reliable & Trustworthy
  • Team Management
  • Supervision & Leadership
  • Conflict and Risk Management Resolution
  • Data Management
  • Flexible Schedule
  • Planning & Organizing
  • Customer Service
  • Training & Development
  • Microsoft Office
  • Friendly, Positive Attitude/Respectful
  • Active Listening
  • Critical Thinking
  • Good Work Ethic
  • Problem Resolution
  • Relationship Building/Advocacy for Others
  • Team Building
  • First Aid/CPR
  • Communication Skills/Integrity

Accomplishments

  • Consistently maintained high customer satisfaction ratings.
  • Created highly effective new program that significantly impacted efficiency and improved operations.
  • Led team to achieve Top 10 of Teams within Wells Fargo, earning recognition from upper management and financial reward.
  • Promoted to Lending Manager due to Production, Quality Results and Customer Service Results that achieved as a Senior Underwriter .
  • Gained Authority in several areas of lending in mortgage division and personal loans and lines division, which included highest authorities including DE/FHA.
  • Learned new computer skills including Microsoft Office, Sharepoint, SQL, Outlook, Credit Reports- Experian, Transunion and Equifax, a number of different mortgage systems including H20, Fannie Mae Du, Freddie Mac LP, Encompass, Byte, Calyx and LOS Systems.
  • Developed Complaint Process for Personal Loans and Lines in dealing with customers and other departments, including policies and procedures.

Licenses, Certifications and Other Accomplishments

 

  • Class A Commercial Drivers License (CDL)
  • FHA/DE License
  • MSCE and MCP Certifications
  • Former CA, MN, WI Real Estate Brokers License
  • Former CA, MN, WI Mortgage Brokers License
  • Bachelor of Science degree from St. John's University
  • Eagle Scout

Timeline

Professional OTR Truck Driver (40hr+ FT- 70k)

Halvor Lines
03.2023 - Current

Personal Vehicle Delivery Driver(Seasonal-PT$27hr)

United Parcel Service (UPS)
11.2022 - 12.2022

Due Diligence Analyst and Supervisor (40hr+,$55hr)

Berkshire LP (Contract Position)
11.2021 - 05.2022

Regional Underwriting Manager (40hr+, $120k Yr)

Caliber Home Loans
01.2021 - 10.2021

Lending Manager 2 (40hr+, $110k-yr)

Wells Fargo Bank(Personal Loans & Lines Division)
06.2015 - 12.2020

Lending Manager 1 (40hr- $100k-yr)

Wells Fargo Bank ( Mortgage Division)
03.2012 - 05.2015

Senior Underwriter (40hr+ $80k-yr)

Wells Fargo Bank, N.A.
03.2009 - 02.2012

CDL Class A License

Interstate Truck Driving School

Computer Networking

KRS Computer School

Bachelor of Science - Business Administration And Management

St. John's University

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Jeff Schroeder