Jeffrey Kline
Reading,PA
Summary
Accomplished Senior Assistant Vice President at Wells Fargo as a Senior Underwriter, recognized for exemplary decision-making and analytical skills. Expert in mortgage and Home Equity lines, holding a 1 million dollar lending authority. Consistently exceeded production, quality and loyalty goals. Mentored and trained new underwriters to become productive team members.
Overview
32
32
years of professional experience
Work History
Senior Assistant Vice President
Wells Fargo
11.1999 - 05.2024
- Reviewed both mortgage applications for purchases and refinances along with home equity applications.
- Completed complex reviews of tax returns for business owners.
- Trained and guided team members to maintain high productivity and performance metrics.
- Delivered exceptional customer service by addressing client needs promptly and professionally, leading to increased loyalty and retention rates.
- Supported staff development initiatives such as mentorship programs or skills training workshops for enhanced performance outcomes.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Balanced competing priorities and managed a high volume of work, consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality.
- Contributed to the development of departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed.
- Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Followed policies and procedures to maintain high level of quality work.
Medical Technologist
Pennsylvania Hospital
05.1992 - 10.1999
Education
Bachelor of Science - Medical Technology
Philadelphia College of Pharmacy And Science
Philadelphia, PA05.1992
Skills
- Senior Underwriter
- 1 Million Dollar Lending Authority
- Quality of the year award
- Strong decision-making
- Mortgage and home equity industry knowledge
- Knowledgeable in Debt-to-Income Ratios and LTV Calculations
- Jumbo and Super Jumbo Loans
- Attention to Detail
- Analytical and Critical Thinking
- NMLS Registration
- Series 7 and 63
Timeline
Senior Assistant Vice President
Wells Fargo
11.1999 - 05.2024
Medical Technologist
Pennsylvania Hospital
05.1992 - 10.1999
Bachelor of Science - Medical Technology
Philadelphia College of Pharmacy And Science