Kyle Hauser
Waukee,IA
Summary
- Proactive attitude and an ability to think laterally, providing ideas and solutions.
- Dedicated individual; achieved reputation for consistently going beyond requirements.
- Detail oriented and resourceful in the completion of projects with the ability to multitask effectively and to work in a fast paced environment meeting strict deadlines.
- Organized individual with exceptional follow through abilities.
- Self-motivated with excellent communication and analytical skills.
- Skilled at reviewing documents and making accurate decisions. Bringing firm grasp of risk assessments, hazard recognition and acceptance criteria.
- Analytical Senior Underwriter with 10+ years of experience steering applications through approval process. Develops and enforces guidelines and policies among all underwriters, personally underwriting for key partners. Directing investment resources toward promising opportunities.
- Background includes training and mentoring new underwriters on procedures, policies and strategies for success. Dedicated to improving team productivity and helping each person achieve objectives.
Overview
14
14
years of professional experience
Work History
Senior Underwriter
Wells Fargo Home Mortgage
12.2020 - 12.2023
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Conducted regular audits of underwriting files, ensuring compliance with regulatory requirements and internal policies.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Due Diligence Senior Associate
Wells Fargo Home Mortgage
03.2019 - 12.2020
- Serve as a subject matter expert in a wide variety areas to ensure optimal results
- Lead meetings and present data/ideas to senior leaders
- Serve as a liaison for several lines of business
- Lead special projects and trainings for specific groups.
- Improved customer satisfaction by quickly and effectively addressing inquiries and complaints.
- Trained and supported new team members, maintaining culture of collaboration.
Underwriter IV - Centralized fulfillment
Wells Fargo Home Mortgage
11.2016 - 03.2019
- Understanding of numerous guidelines for multiple products to ensure quality loans are sold to specific investors
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Assess layered risk ensuring loans are properly decisioned and all possible approval exceptions are reviewed.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
Underwriter III - Centralized fulfillment
Wells Fargo Home Mortgage
07.2014 - 11.2016
- Analyze asset, credit, and income documentation ensuring customers qualify per product and company guidelines
- Analyze purchase and refinance loans
- Communicate directly with processors, sales reps, and customers to ensure accuracy and a smooth transaction
- Understanding of different guidelines for different products to ensure quality loans are sold to specific investors
- Assess layered risk ensuring loans are properly decisioned and all possible approval exceptions are reviewed.
Underwriter II - HARP
Wells Fargo Home Mortgage
10.2011 - 07.2014
- Analyze credit and income documentation ensuring homeowners qualify per product and company guidelines
- Set conditions based off the different variables of each loan worked
- Complete final review of conditions on loans prior to sending to closing to determine all parameters have been met
- Work directly with customers to clear address discrepancies, fraud alerts, and discuss specific loan details, if applicable
- Review of conventional appraisals to determine if value and type of collateral are eligible and sufficient for the terms requested on each loan.
Lost Mitigation/Loan Adjustor - HAFA & Proprietary
Wells Fargo Home Mortgage
04.2010 - 10.2011
- Analyze documentation to determine if homeowners qualify for a HAFA short sale
- Negotiate higher offers to meet investor guidelines and reduce the loss incurred from the short sale
- Decision loans and negotiate fees to ensure HAFA and investor guidelines are met
- Underwrote and approved short sale decisions.
Lost Mitigation/Settlement Specialist
Wells Fargo Home Mortgage
09.2009 - 04.2010
- Work with customers, agents, and escrow officers to help ensure a quick and smooth closing
- Review final closing documents to determine if we can apply funds
- Close out loans and inform our Cash team to apply funds
- Reviewed & analyzed credit and income documentation
- Underwriting and auditing experience with internal reviews.
Education
Bachelor of Arts in Business Administration - Finance/Management
Wartburg College
Waverly, Iowa01.2008
Skills
- Microsoft Word
- Excel
- Microsoft Outlook
- Internet (Windows XP and Vista)
- Power Point
- Quality Control
- Relationship Building
- Quality Assurance
- Analyzing Data
- Risk Management
- Guidelines Understanding
- Risk Assessments
- Policy Development
- Goal setting
Knowledge Experience
- Over ten years of appraisal analysis and review
- Over ten years of detailed review of assets to ensure anti-money laundering requirements are met and unusual activity is correctly detected and reported
- Over ten years of compliance and risk experience
- Over ten years of underwriting experience
- Over ten years of experience reviewing and analyzing risk factors
- Excellent written and verbal communication skills with all levels of the organization
- Experience as a team lead and management responsibilities
- Responsible for creating and leading trainings for multiple positions
- Ability to thrive in fast paced and high stress environments
- Ability to perform at top level production standards while maintaining excellent quality
- Ability to identify layered risk and offsetting factors
Timeline
Senior Underwriter
Wells Fargo Home Mortgage
12.2020 - 12.2023
Due Diligence Senior Associate
Wells Fargo Home Mortgage
03.2019 - 12.2020
Underwriter IV - Centralized fulfillment
Wells Fargo Home Mortgage
11.2016 - 03.2019
Underwriter III - Centralized fulfillment
Wells Fargo Home Mortgage
07.2014 - 11.2016
Underwriter II - HARP
Wells Fargo Home Mortgage
10.2011 - 07.2014
Lost Mitigation/Loan Adjustor - HAFA & Proprietary
Wells Fargo Home Mortgage
04.2010 - 10.2011
Lost Mitigation/Settlement Specialist
Wells Fargo Home Mortgage
09.2009 - 04.2010
Bachelor of Arts in Business Administration - Finance/Management
Wartburg College
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