KYLE BUJALSKI
Grand Blanc,MI
Summary
Highly motivated leader with 12+ years of experience in banking/finance/mortgage. Detail-oriented and methodical Closer successful in assembling closing documentation for all loan types. Works quickly and accurately to meet strict standards, clear issues and prepare document packages. Handle industry-funded and government-backed loans with skill and efficiency. Well versed in all aspects of a mortgage from origination to post closing.
Overview
12
12
years of professional experience
Work History
Operations - Closer / Post Closer / Funding / Lock
Hall Financial
08.2023 - Current
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Work with title companies to schedule closings on all loan types, prepare the CD, confirm fees, supply final docs to title.
- Responsible for all closings.
- Wire Funds out to title companies via warehouse banks
- Reviewing closing packages for completeness, fixing post close errors, complete the purchase advice to ensure sale off our warehouse bank line.
- Locking in loans based off current rate sheets and pricing out each file to ensure profitability while being conscious of competing offers on rate/cost.
- Compiling revenue projections off of locked loans
Director of Warehouse Operations
Homepoint Financial
01.2020 - 08.2023
- Managing my team's daily tasks to ensure we hit both short-term and long-term goals
- Keeping a schedule of all team members and organizing/reassigning work as needed
- Prioritizing document exceptions with our custodian (USBank), clearing document issues on funded/close loans
- Critical thinking and analyzing daily issues to come up with efficient resolutions
- Working directly with Warehouse Banks to ensure funds are available for loans closing/funding as well as overcoming issues regarding wire information
- Reviewing all agency guidelines (FNMA, GNMA, etc.) to ensure loan salability
- Working with Settlement Agents/Title Companies/Escrow Companies/Brokers to close and fund files accurately and efficiently
- Handling all escalations of document issues, settlement inquiries, questions from outside parties
- Performing 1 on 1 evaluations of all team members to provide feedback as well as end of year reviews
- Providing the direction of the team daily, reinforcing the company mission to be as productive as possible while keeping with our culture
- Hold weekly meetings to improve overall morale and generate feedback from the team members.
Senior Lead Warehouse Operations
Homepoint Financial
01.2019 - 01.2020
- Managing a team of 10-15 Warehouse Specialists
- Working with our Custodian to ensure collateral document accuracy
- Performing 1 on 1 evaluations of all team members
- Handling all escalations of collateral issues
- Responding via inbox to company wide document/funding/closing inquiries on active loans
- Working to clear Warehouse Bank Lines from Collateral Aging Issues.
- Implemented necessary changes in response to shifting business needs, maintaining a proactive approach to problem solving.
- Developed and updated tracking spreadsheets using Excel and Tableau.
Senior Lead Funder
Homepoint Financial
01.2016 - 01.2019
- Managing a team of 20-25 funders while maintaining my own pipeline
- Performing to the highest level, being the example of what is expected
- Working with Settlement Agents/Title Companies/Escrow Companies/Brokers to close and fund files accurately and efficiently
- Performing 1 on 1 evaluations of all team members to provide feedback to become more efficient in our roles
- Engaging in product testing and assisting with the creation of new processes to be more efficient
- Training all team mates on new production processes
- Reviewing all Trust documentation when files are vested in a client Trust.
- Fund all loan products including VA, FHA, USDA, 203k, homestyle, and conventional for purchase and refinance transactions
Collateral Underwriter
Quicken Loans
01.2014 - 01.2015
- Review appraisals to ensure agency guidelines are met (conventional, FHA, VA)
- Assess risk and quality when making decisions on approval or denial of a file
- Work with appraisers directly.
Mortgage Loan Originator
Quicken Loans
01.2012 - 01.2014
- Analyzing client needs while using knowledge of state/federal lending laws to guide them into the best program
- Adapting to changes and updated agency guidelines while competitively driving production at a high level both in a team and individual setting
- Originated all loan programs (VA, FHA, USDA, Conventional).
- Improved client satisfaction rates by providing timely communication and updates on loan statuses.
- Managed a pipeline of mortgage applications, prioritizing tasks to ensure timely closings and meet clients'' needs.
- Developed strong relationships with real estate agents, increasing referral business and expanding client base.
Education
Saginaw Valley State University
Saginaw, MI05.2011
High School Diploma -
Grand Blanc High School
Grand Blanc, MI06.2007
Skills
- Encompass
- AIQ (DOCVELOCITY)
- Tableau
- Promerit/WLS Applications
- Personal Data Collection
- Customer Communication
- Mortgage Broker Collaboration
- Mortgage Loan Processing
- File Management
- Regulatory Compliance
- Loan Disbursement
- Closing Documentation
Accomplishments
- PREVIOUSLY LICENSED IN 15+ STATES FOR LOAN ORIGINATION (REFI & PURCHASE)
- PASSED SAFE EXAM (90%+)
Leadership Experience
I have been in a leadership role for over 5 years of my tenure with Homepoint Financial ranging from Senior Lead to my most recent position as Director and aspire to be there at future employers.
Timeline
Operations - Closer / Post Closer / Funding / Lock
Hall Financial
08.2023 - Current
Director of Warehouse Operations
Homepoint Financial
01.2020 - 08.2023
Senior Lead Warehouse Operations
Homepoint Financial
01.2019 - 01.2020
Senior Lead Funder
Homepoint Financial
01.2016 - 01.2019
Collateral Underwriter
Quicken Loans
01.2014 - 01.2015
Mortgage Loan Originator
Quicken Loans
01.2012 - 01.2014
Saginaw Valley State University
High School Diploma -
Grand Blanc High School
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