Michael Lastuvka
Des Moines,IA
Summary
Seasoned Mortgage Loan Underwriter with extensive experience at Wells Fargo Home Mortgage, adept in credit analysis and maintaining high compliance standards. Demonstrated expertise in loan origination and a proven track record of enhancing customer satisfaction through exceptional service. Skilled in both technical analyses and fostering positive client relations, significantly contributing to team goals.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Mortgage Loan Underwriter
Wells Fargo Home Mortgage
12.2020 - 10.2024
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Mortgage Loan Processor
Wells Fargo Home Mortgage
05.2015 - 12.2020
- Handled any conditions sent from underwriting departments.
- Communicated with originator and applicant concerning progress of loan file.
- Prepared file for final clear-to-close by branch management.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
Servicing Litigation Support Associate
Wells Fargo Home Mortgage
05.2014 - 05.2015
- Created, prepared, and delivered reports to assist Wells Fargo litigation team in preparation for court
- Developed a digital repository housing historical mortgage documentation to assist in current and future research efforts
- Collaborated directly with upper management to assist in determining financial exposure in active lawsuits brought against Wells Fargo
Customer Service Representative
Wells Fargo Home Mortgage
06.2011 - 05.2014
- Responded to customer requests for products, services, and mortgage loan information.
- Exhibited high energy and professionalism when dealing with clients and staff.
- Collaborated with staff members to enhance customer service experience and exceed team goals through effective client satisfaction rates.
- Performed research on complex mortgage-related customer inquiries and stayed in contact with customers on said inquiries
- Worked directly with tax and insurance collectors to ensure timely and accurate payments on behalf of mortgage loan customers
Store Manager
Dahl's Foods
08.2007 - 09.2011
- Orchestrated performance-oriented environment by closely supporting team members.
- Engaged customers and provided very high level of service and support, helping find desired products and items.
- Delegated tasks and duties to grocery staff and clearly communicated timeframes for completion.
- Reviewed inventory levels and placed orders for products and merchandise for restocking purposes.
- Assisted in recruiting, hiring and training of team members.
Education
Bachelor of Arts - English/Journalism/Pre-Law
Drake University
Des Moines, IA03-2013
Skills
- Complex credit analysis
- Mortgage lending
- Loan origination
- Debt-to-income ratios
Accomplishments
- Consistently underwrote more loans at a higher quality rating than over 99% of mortgage loan underwriters at my level
- Consistently received quarterly recognition for quality and quantity of work
Certification
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
- FHA/VA Underwriting Certification – Various Accredited Providers.
- Safe Deposit Box Operations and Service Certification - American Bankers Association.
Service Conference winner for outstanding customer service
As a mortgage loan processor, received a 6-day all-expenses paid trip to Orlando for outstanding work and customer service.
Languages
English
Native or Bilingual
Timeline
Mortgage Loan Underwriter
Wells Fargo Home Mortgage
12.2020 - 10.2024
Mortgage Loan Processor
Wells Fargo Home Mortgage
05.2015 - 12.2020
Servicing Litigation Support Associate
Wells Fargo Home Mortgage
05.2014 - 05.2015
Customer Service Representative
Wells Fargo Home Mortgage
06.2011 - 05.2014
Store Manager
Dahl's Foods
08.2007 - 09.2011
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
- FHA/VA Underwriting Certification – Various Accredited Providers.
- Safe Deposit Box Operations and Service Certification - American Bankers Association.
Bachelor of Arts - English/Journalism/Pre-Law
Drake University
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