Sean Broadhurst
Crestwood,KY
Summary
Seeking a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized, dependable, and a detail-oriented team player with strong work ethic. Able to handle multiple projects simultaneously with a high degree of accuracy and willing to take on added responsibilities to meet team goals.
Overview
12
12
years of professional experience
Work History
Team Leader Manager
Heartland / Global Payments Company
05.2023 - Current
- Process and review client credit applications. Make recommendations in accordance with sound credit-granting principles and compliance with Company, Sponsor Bank and Legal, Policy and Procedures.
- Effectively interact with merchants, sales representatives, Senior Underwriters and Management to achieve timely adjudication of applications and in limiting loss, assessing risk, and in protecting the company against fraud and other risks.
- Stay calm, collected and logical during stressful moments to identify and implement optimal solutions.
- Resolve customer service issues by finding immediate solutions, increase customer confidence and decrease escalations.
- Lead employee relations through effective communication, coaching, training and development.
- Identify and coach to deficient performance and behaviors to achieve maximum productivity.
- Evaluate employee performance on weekly basis, coach and train 20 team members.
Underwriting Team Lead
Homepoint
11.2019 - 01.2023
- Led 12-20 associates in delivering underwriting services.
- Took on additional job duties during unexpected backlog, resulting in meeting project target date.
- Checked products for quality assurance according to strict guidelines.
- Led risk management processes and assured both financial integrity and strategic compatibility of underwriting decisions within the company.
- Identified training opportunities and worked with new and existing underwriters to strengthen their knowledge, compliance, quality control, credit risk analysis and servicing.
- Worked with underwriters, sales, and management on escalated files to ensure quick resolution.
- Daily contact with various levels of management, sales personnel, and internal associates across all areas delivering, analyzing and updating portfolios, Power BI, KPI, SAS, CRM and Tableau systems.
- Extensive knowledge of FMNA, FHLMC, VA, USDA, and FHA underwriting guidelines.
- Performed related duties as assigned by director, and maintained compliance, company policies and procedures.
- Coached and trained team members in techniques necessary to complete job tasks.
Underwriter
Century Lending Company
01.2015 - 11.2019
- Responsible for assisting loan production with the following duties; ordering necessary file documentation, issuing conditional approvals, final approvals, clearing loan conditions, and communicating with loan originators, brokers, and processors.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Managed all steps of underwriting process with borrowers, loan processors and loan originators.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Monitored underwriting teams' performance and provided coaching to achieve department production goals.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
Subrogation / Workers' Compensation Analyst
The Rawlings Company
01.2014 - 01.2015
- Investigated and researched workers' compensation files to collect and/or negotiate settlements for recovery on behalf of health insurance clients.
- Communicated to all involved parties clients' legal rights.
- Negotiated lien settlements with attorneys and other parties.
- Identified and resolved problems through root cause analysis and research.
- Validated results and performed quality assurance to assess accuracy of data.
- Applied knowledge of data modeling and statistical analysis to note trends and draw conclusions.
Home Services Specialist II
Bank of America
01.2012 - 01.2014
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Reviewed credit reports, appraisals, titles, borrowers information and identified red flags to minimize fraud.
- Verified conditions of approvals, cleared conditions, while managing a pipeline of 50 plus loans.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Education
Some College (No Degree) -
University of Louisville
Louisville, KYSkills
- Analyze Financial Records
- Cash Flow and Financial Analysis
- Fraud Prevention and Detection
- Loan Origination and Underwriting
- Microsoft Excel
- Microsoft Office
- Oral and Written Comprehension
- Process Optimization
- Strategic Risk Management
- Team Training and Mentoring
Timeline
Team Leader Manager
Heartland / Global Payments Company
05.2023 - Current
Underwriting Team Lead
Homepoint
11.2019 - 01.2023
Underwriter
Century Lending Company
01.2015 - 11.2019
Subrogation / Workers' Compensation Analyst
The Rawlings Company
01.2014 - 01.2015
Home Services Specialist II
Bank of America
01.2012 - 01.2014
Some College (No Degree) -
University of Louisville
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