Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
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Phillip Calander

Gilbert,AZ

Summary

As a seasoned, experienced lending professional, I am offering an advanced level of experience and knowledge in underwriting and document review.

Overview

19
19
years of professional experience

Work History

Home Lending Advisor

JPMorgan Chase
06.2022 - Current
  • Educated customers on loan options and requirements, helping them navigate complex application processes with ease.
  • Conducted comprehensive financial analyses to determine borrower eligibility, accurately assessing creditworthiness.
  • Increased loan approvals by implementing effective client assessments and thorough documentation reviews.
  • Streamlined the lending process for faster turnaround times, ensuring timely disbursement of approved loans.
  • Assisted prospective borrowers in understanding various types of loans available along with their pros and cons, thus enabling them to make informed decisions.
  • Proactively updated clients on the status of their loan applications, ensuring transparency and trust in the lending process.
  • Enhanced customer satisfaction by providing personalized financial advice and tailored lending solutions.
  • Effectively managed time-sensitive tasks by prioritizing deadlines according to urgency while maintaining accuracy in documentation preparation.
  • Addressed customer concerns promptly, consistently maintaining a high level of professionalism throughout all interactions.

Senior Branch Home Lending Advisor

JPMorgan Chase
11.2016 - 03.2022
  • Increased loan approvals by implementing effective client assessments and thorough documentation reviews.
  • Assisted prospective borrowers in understanding various types of loans available along with their pros and cons, thus enabling them to make informed decisions.
  • Collaborated with underwriting team to negotiate better terms for clients, resulting in higher approval rates.
  • Participated in ongoing professional development programs to stay current on best practices in the lending industry.
  • Maintained up-to-date knowledge of industry regulations and compliance standards, ensuring accurate loan processing.
  • Proactively updated clients on the status of their loan applications, ensuring transparency and trust in the lending process.

Quality Assurance Analyst 1

Wells Fargo Home Mortgage
02.2015 - 11.2016
  • Review letters to determine if processes and documentation are in compliance with underwriting requirements, investor requirements and government regulations.
  • Participate in special projects and perform root cause analysis to enhance current processes, procedures and training materials with Underwriters and Home Preservation Specialists.
  • Mentored and coached team members on QA topics and strategies.
  • Participated in regular meetings with cross-functional teams to discuss progress updates, communicate concerns or challenges, and ensure alignment of project goals.

Single Point of Contact

Green Tree Servicing LLC
09.2014 - 01.2015
  • Served as customer service single point of contact (SPOC) with borrower from default through final resolution of default.
  • Assisted borrower with available options up to and including Deed in Lieu and Short Sale when appropriate.
  • Comprehensive understanding of government lending rules, regulations and guidelines, including the liaison between borrower and underwriters.
  • Provided strong and clear communication to processors, underwriters, and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time.
  • Participated in inventory management tasks such as ordering supplies, receiving shipments, updating stock records within the POS system framework.

Home Loans Closer

Bank of America Aerotek, Inc
09.2013 - 05.2014
  • Coordinated the preparation of loan closing packages, including issuance of funds, closing instructions, etc., necessary to ensure the marketability of loans.
  • Handled complex mortgage loan transactions as well as assist with training and coaching of associates and distribution of work to associates.

Home Preservation Specialist I

Wells Fargo Home Mortgage
10.2011 - 12.2012
  • Responsible for providing single point of contact to borrowers whose loans were delinquent or at high risk for delinquency.
  • Assisted borrowers to find solutions to maintain home ownership, including HAMP, proprietary modifications, RPPs, etc.
  • Analyzed the customer's financial situation and made recommendations on loan modifications/workout options to resolve delinquency.
  • Identified, maintained, tracked and logged requested documentation for loan modification review to ensure files meet underwriting requirements.
  • Worked with borrowers to get documents in a timely matter to meet all government set standards for HAMP, Freddie Mac and Fannie Mae modifications.
  • Recorded & analyzed all incoming information to ensure guideline compliance and evaluate loan feasibility.
  • Ordered, reviewed for accuracy and submitted settlement statements, borrower financials and borrower credit worthiness information.

Home Lending Relationship Manager III

JPMorgan Chase
03.2006 - 06.2011
  • Responsible for analyzing the customer's financial situation and making recommendations on loan modifications/workout options to resolve delinquency.
  • Identify, maintain, track and log requested documentation for loan modification review.
  • Notify customers of loan modification decision, current status, options, time lines, coordination touch points, and customer obligations through the process.
  • Applied all internal underwriting guidelines, investor requirements and federal regulations to the decision process to ensure loan quality.
  • Analyze and verify the employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each loan application.
  • Communicated required conditions and stipulations, and provided assistance to expedite the final approval of a file.
  • Provide strong and clear communication to processors, underwriters, mortgage professionals and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time.
  • Organize and prioritize assigned loans based on various factors, including date of most recent contact, promise to pay not kept, and borrowers' financial information.
  • Consistently exceeded quarterly sales goals by cultivating a strong network of professional contacts and referrals.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.

Education

High School Diploma -

Chandler High School

Skills

  • Goal-oriented
  • Self-sufficient
  • Detail-oriented
  • Excellent time management skills
  • Analytical
  • Rapid 10-key data entry
  • Complex problem solving
  • Excellent work ethic

Accomplishments

    Awards-High Flyer Award for SOAR 7 months in a row-10 total

    Continuously in the top 100 for Freddie Mac & Fannie Mae power rankings.

    Highest one-touch for team underwriting in Freddie Mac & Fannie Mae at 93.75. 

Timeline

Home Lending Advisor

JPMorgan Chase
06.2022 - Current

Senior Branch Home Lending Advisor

JPMorgan Chase
11.2016 - 03.2022

Quality Assurance Analyst 1

Wells Fargo Home Mortgage
02.2015 - 11.2016

Single Point of Contact

Green Tree Servicing LLC
09.2014 - 01.2015

Home Loans Closer

Bank of America Aerotek, Inc
09.2013 - 05.2014

Home Preservation Specialist I

Wells Fargo Home Mortgage
10.2011 - 12.2012

Home Lending Relationship Manager III

JPMorgan Chase
03.2006 - 06.2011

High School Diploma -

Chandler High School

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