Nicholas Zylinski
Orchard Park,NY
Summary
Astute and methodical Mortgage Underwriter with significant background working with Fannie Mae and Freddie Mac customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
5
5
years of professional experience
Work History
Mortgage Underwriter
HSBC
Depew, NY
11.2020 - Current
- Verified integrity of applicants' information to minimize fraud.
- Empowered to work independently in assessing risk of customer's mortgage application up to $550,000.00 for Fannie Mae, Freddie Mac, and HSBC's own portfolio products.
- Communicate frequently to both internal partners and bank customers requirements or follow-up necessary to increase mortgage approval process.
- Determined credit risks by reviewing files in Mortgage Cadence and comparing data against internal checklists and guidelines.
Solutions Specialist
HSBC
Depew, NY
11.2019 - 11.2020
- Involved in projects and participated in committees that focused on improving HSBC's efficiencies relating to servicing operations, complaints and escalations, and resolutions
- Implemented corrective actions to fix root causes of various issues. Was asked to take on supervisor escalations and resolving them with minimal supervision.
- Resolved customer issues quickly and efficiently in branch support to enhance overall customer satisfaction ratings.
CCSS/Retail Relationship Specialist
HSBC
Depew, NY
06.2018 - 11.2019
- Created Formal Training process and actively trained future retail specialists.
- Heavy sales related role; excelled in discovery questions and enhancing customer experience. Received; Highest Sales Achiever - 2019
- Demonstrated vast knowledge of banking products and able to interface with client needs.
Customer Service Specialist
Seneca Mortgage
Elma, NY
04.2016 - 09.2016
- Worked in blended call center, managing on average 60 calls per day with mortgage customers on issues relating to mortgage payments, escrow disbursements, mortgage document requests, satisfactions of mortgage, disputes, etc
- Provided workout solutions to increase loan retention rate and decrease defaults maintaining at 0.5%.
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.
- Knowledge of various mortgage investors and their compliance requirements with emphasis on GSE loans.
- Worked on multiple systems including Black Knight and LoanSphere.
Education
Bachelor of Science - Business Administration
Hilbert College
Hamburg, NY12.2018
Skills
- Customer Accounts Management
- Loan File Maintenance
- Loan Processing Coordination
- Desktop Underwriter
- Product Education
- Government Lending
- Banking Standards
- Financial and Economic Data
- Customer Monitoring
- Compiling Data
- Attention to Detail
- Quality Control Analysis
Additional Information
- Project Management - Google (currently on module 2)
- Data Analytics - IBM (currently on module 1)
- Reading How to Think Politically - Grame Garrard and Jamed Bernard Murphy
Timeline
Mortgage Underwriter
HSBC
11.2020 - Current
Solutions Specialist
HSBC
11.2019 - 11.2020
CCSS/Retail Relationship Specialist
HSBC
06.2018 - 11.2019
Customer Service Specialist
Seneca Mortgage
04.2016 - 09.2016
Bachelor of Science - Business Administration
Hilbert College
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