Joshua Sinclair
MidCountry Bank
Woodbury,USA
17
years of professional experience
19 years of financial experience specializing in Underwriting with 15 years of experience, financial analysis, Business banking, Management, Credit analysis, financial planning, Lending processes, Quality Assurance analytics, and the Mortgage process.
Work History
Branch Manager
1 Year 7 Months- Establishing clear goals that tie to the vision and mission of the bank and was successful at it.
- Championing the culture with your team and across the organization.
- Determine staffing needs; Recruit, hire and onboard talent.
- Document and conduct annual performance review process duties on time.
- Conduct ongoing one-on-one coaching sessions to develop team.
- Managing employee performance issues in a timely manner and adhering to employment policies.
- Participate in leadership training opportunities and apply learnings to further career.
- Managed and hired for all the City Branches in the company.
- Created my own business pipeline and maintained and grew that.
Manager
1 Year- Managed all staff personal/reports of 6-8 employees.
- Lending pipeline as well as my bankers, close to one million dollars a month.
- Underwriting complex home equity loans, vehicle loans, personal loans and credit cards with high conversion rates, extreme accuracy, and a high math aptitude.
- Knowledgeable in 5 different home equity products including fixed and adjustable rate as well as bridge loans, 5/1 Arms, and 7/1 Arms.
- I stay up to date on compliance issues and stay informed of changes to Lending processes.
- During the loan process I am the lender, underwriter, and the closer of the loan which makes me responsible for the life of the loan from beginning to end.
Mortgage Underwriter
4 Years- Worked with conventional home loans including refinances, cash outs, and purchases. Underwriting authority certification.
- Ethical decision making.
- Building and fostering long-term relationships with clients.
- Strong Mathematical aptitude.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss Presented and clearly explained policy options based on client’s needs and goals.
- Achieved production and quality goals and was in the top 10% of peers
- Coordinated materials for underwriting needs, including files, tracking spreadsheets, and updating files.
- Analyzed all loan documents which included Income, assets, credit, collateral, purchase contracts, appraisals.
- Performed underwriting decisions based on W2, self-employed, Sole proprietors, partnerships, S-corps, corporations, and non-taxable income.
- Worked with MLA team members to fight against fraud.
- Fluent in Fannie Mae and Freddie Mac loan specifications.
- Worked with loan officers and discussed loan decisions and outstanding conditions.
- The last few months our job title got switched to quality assurance analyst to review and score previous loans with 100% accuracy.
Senior Business Banker
2 Years- Help customers open and manage their consumer and business bank accounts and finances.
- Advise clients on financial services and resolve issues while putting the customer first.
- Built long-term relationships with clients and cross selling our products and services.
- Lender for business loans and lines with proven track record.
- Knowledge of personal banking practices and regulations.
- Excellent communication and negotiation skills Customer-oriented approach to handling problems.
- Knowledge of SBA loans 7A or 504.
- Knowledge of equipment finance loans
General Manager
8 Years- Managed a staff of 8-10 with all HR duties. Underwrote 10-20 million dollars of loans annually. Final decision maker on approval for all loans.
- Worked on P&L statements & managed budget.
- Portfolio management experience.
- Auditing experience after loan process completed.
- In-house Collection and Sales experience.
- Oversee all store operations.
- I have 8 years of underwriting experience in this role. Set goals for team with 95% success rate.
- Monitored performance while providing feedback. Strong communication skills
- Ordered and managed over $1 million in inventory. Mastered cashflow analysis.
- Won store of the year multiple times.
- Proven track record.
Education
- Business Management
Skills
Branch operations management
Customer service
Customer relationships
Excellent time management skills
Excellent work ethic
Attention to detail
Coaching and mentoring
Team supervision
Relationship building and management
Client relationship management
Interviewing and hiring
Loan documentation
Risk analysis
Timeline
Branch Manager
MidCountry Bank
01.2025 - CurrentRead More
Manager
TruStone Financial Credit Union
01.2024 - 01.2025Read More
Mortgage Underwriter
Wells Fargo
01.2020 - 01.2024Read More
Senior Business Banker
Wells Fargo
01.2018 - 01.2020Read More
General Manager
Home Choice
01.2010 - 01.2018Read More
Century College
from Business Management
Read More
ABA Business and Commercial Lending
Got my certification for business and commercial lending