Joseph Pasko

Underwrote and reviewed approximately 5 new and resubmission applications of conventional loans daily, which included appraisal review. DU/LPA proficient. Reviewed all loans keeping quality in the forefront, mitigating risk by following investor guidelines. Verified integrity of applicants' information to minimize fraud. Cleared conditions and restructured applications as needed. Worked with the mortgage loan officer and mortgage processor as a cohesive team, to meet commitment and closing dates, with customer satisfaction in mind. Educated processors on loan requirements and appropriate documentation to clear conditions. Completed required compliance training in a timely manner.

Underwrote and reviewed approximately 5 new and resubmission applications of conventional mortgage loans daily. Reviewed all loans keeping quality in the forefront, mitigating risk by following investor guidelines. Cleared conditions and restructured applications. Worked together with the mortgage consultant and mortgage processor as a team, to meet commitment and closing dates, with customer satisfaction in mind. Educated processors on loan requirements and appropriate documentation to clear conditions. Completed required compliance training in a timely manner.

Assisted potential applicants with inquiries about deposit products and loan products, analyzed their needs and wants, in order to help them decide what product fit their needs. Proactively communicated with customers, branch personnel, and underwriters to expedite the application process, in order to get loans approved and closed and deposit products efficiently opened. Maximized value of each customer by cross-selling deposit products to loan customers so they obtain a lower loan rate, and adding to the bank's new deposit accounts.

Underwrote 5-6 conventional and investor mortgage loans daily, which included many high net worth/self-employed clients from a private label source. Cleared conditions and restructured applications. Educated processors on loan requirements and appropriate documentation to clear conditions. Completed required compliance training in a timely manner. Mentored less experienced underwriters as needed.

Underwrote all home equity loan and line requests, and non-real estate loan requests, including more complex loans. Communicated conditions to customers and bankers, and enhanced working relationships in the process. Successfully coached and mentored less experienced bankers and underwriters. Assisted with team leader functions as needed.