John C. Miller
Kennesaw,GA
Summary
Branch Management experience includes branch management, consumer loan sales, project management, business development and sales, Auto credit underwriting and loan review, credit review of mortgage-backed and asset-backed securities, and all attendant analysis, processes, controls, procedures and practices. Experience also includes both the origination of new loans for clients as well as the acquisition of closed loans for investors. Strengths include a sound knowledge of the credit markets and the ability to plan, develop, organize and manage multiple projects simultaneously, at the highest quality levels, while maintaining absolute control over expenses. Knowledge of ROI and Branch profitability, growing the branch through sales and renewals.
Overview
25
25
years of professional experience
Work History
Secretary /Social Media Marketing Specialist
Mableton Lodge No. 171
03.2022 - Current
- Prepared professional correspondence, including memos, letters, and emails, ensuring accuracy and timeliness.
- Maintained accurate records of office expenses, assisting in budget preparation and cost control efforts.
- Assisted in event planning and execution for company functions such as conferences, workshops, or social gatherings.
- Scheduled appointments and conducted follow-up calls to clients.
- Handled sensitive information discreetly, maintaining confidentiality when managing personnel files or financial data.
- Maintained office supplies inventory by checking stock and ordering new supplies.
- Responded to emails and other correspondence to facilitate communication and enhance business processes.
- Maintained daily report documents, memos and invoices.
- Drafted agendas, recorded minutes and generated documents to facilitate meetings.
- Managed filing system, entered data and completed other clerical tasks.
Mortgae Due Diligence Umderwriter
SitusAMC
09.2021 - 03.2022
- Responsible for the analysis and approval of all financial statements, personal and business tax returns, collateral, credit, and all other loan related documents.
- Prepared detailed loan notes documenting compliance review and data integrity.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
- Managed a portfolio of high-risk clients, implementing tailored underwriting guidelines to minimize losses while maintaining growth opportunities.
- Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
Mortggage Due Diligence Underwriter
WIPRo / Opus Risk Solutions
05.2021 - 09.2021
- Identified potential issues to determine the levels of culpability for lenders who delivered non-performing loans to our client.
- Prepared final reports of loan violations for repurchase.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
- Managed a portfolio of high-risk clients, implementing tailored underwriting guidelines to minimize losses while maintaining growth opportunities.
- Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Mortgage Closer Specialist
Freedom Mortgage Corporation
08.2020 - 04.2021
- Managed audits of credit, collateral, compliance, regulatory review, data base management, network management, and client reporting, requiring extensive knowledge of home mortgage and commercial lending including, but not limited to, product risk of Prime, Alt-A, Alt-B, Sub-Prime, etc.
- Assisted colleagues in problem-solving complex issues related to mortgage closings, contributing to overall team success.
- Maintained strict confidentiality regarding client information as mandated by privacy laws and company policies.
- Ensured compliance with federal and state regulations by staying current on industry standards and legal requirements.
- Managed multiple deadlines effectively, prioritizing tasks to ensure timely completion of mortgage closings.
- Acted as a liaison between borrowers and underwriters, clarifying information and expediting loan approvals.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Maintained checklists of required documentation and open issues affecting closings.
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
- Facilitated smooth communication between all parties involved in the mortgage closing process, resulting in a positive experience for clients.
Audit and Delivery Manager
GMAC-RFC / Homecomings Financial Network
09.2001 - 03.2005
- Responsible for the management of the 2nd Shift at the wholesale mortgage bank involving loan delivery, wholesale and retail, post-closing, resolution management, and the operations training program for new hires.
- Responsibilities also included planning, organization, staffing and policy & procedure control.
- Insured the accurate and timely delivery of loans to investors for purchase.
- Created the department manual defining processes, procedures, controls and policies for loan delivery to investors.
- Member of the National Operations Managers Group responsible for changes in closing procedures, state laws, and the achievement of company goals.
- Improved rate of delivery of loans to investors significantly reducing the costs of commitment extensions approximately 90%.
Project Manager
American Mortgage Consultants
10.1998 - 09.2001
- Responsible for the operations and client relationships of all underwriting audits in California.
- Managed a team of 20 underwriters responsible for the data analysis of home loan portfolios in conjunction with acquisitions of mortgaged-backed securities.
- Corporate clients included PNC Mortgage, Washington Mutual, and Credit Suisse.
- Finalized and approved management reports defining the due diligence process and assigned risk ratings for purchase consideration.
- Completed final quality assurance audit prior to funding conventional, FHA and VA loans at PNC Mortgage and Washington Mutual to ensure underwriting integrity.
- Co-developed pilot program for Washington Mutual utilizing Internet software as a pre-funding fraud detection tool.
Education
Bachelor of Arts - Business Administration Sociology
University of St. Thomas
St. Paul, MNSkills
- Project Management
- Relationship Management
- Credit Analyst
- Risk Management
- Due Diligence
- Loan Review
Accomplishments
2009 & 2010 Customer Satisfaction Award
2011 - 2014 multiple monthly awards, Shining Star for Underwriting excellence
2011 - 2014 multiple monthly awards, Customer Service for # 1 Loyalty from Clients
Interests
United States Trotting Association, Member
Illinois Harness Horseman's Association, Member
Additional Information
Skills
acquisitions, budget, closing, Credit, Customer Satisfaction, Customer Service, data analysis, database management, Due Diligence, financial statements, Internet software, loan notes, network management, process management and analysis, quality assurance, quality control, relationship management, reporting, risk analysis, sales, staffing
Timeline
Secretary /Social Media Marketing Specialist
Mableton Lodge No. 171
03.2022 - Current
Mortgae Due Diligence Umderwriter
SitusAMC
09.2021 - 03.2022
Mortggage Due Diligence Underwriter
WIPRo / Opus Risk Solutions
05.2021 - 09.2021
Mortgage Closer Specialist
Freedom Mortgage Corporation
08.2020 - 04.2021
Audit and Delivery Manager
GMAC-RFC / Homecomings Financial Network
09.2001 - 03.2005
Project Manager
American Mortgage Consultants
10.1998 - 09.2001
Bachelor of Arts - Business Administration Sociology
University of St. Thomas
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