Summary
Overview
Work History
Education
Skills
Websites
Affiliations
Timeline
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THOMAS BALLOR II

THOMAS BALLOR II

Underwriter
Macomb,Michigan

Summary

A methodical Senior Mortgage Underwriter with significant background collaborating and building relationships with internal and external stakeholders, thus resulting in customer satisfaction and elite client service. Proficient in loan processing, mortgage applications, credit underwriting, and loan guidelines. Maintains consistent pipelines, meeting all SLA's to provide the best customer experience possible.

Overview

12
12
years of professional experience

Work History

Senior Mortgage Underwriter

Freedom Mortgage Corporation
11.2021 - 11.2022
  • Determined credit risks by reviewing loan files in advance and comparing data against internal checklists and guidelines.
  • Proactively identified solutions for clients experiencing credit issues, resulting in a 98% successful loan closing rate.
  • Worked with processing team members to communicate loan status and explain investor guidelines and regulations.
  • Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
  • Maintained VA credit certification and Staff Appraisal Reviewer (SAR) certification. Ensuring all VA regulations and requirements are met.

Senior Mortgage Underwriter

United Wholesale Mortgage
04.2016 - 11.2021
  • Trained junior team members in underwriting guidelines and requirements.
  • Determined credit risks by reviewing loan files in advance and comparing data against internal checklists and guidelines.
  • Worked with brokers to communicate loan status and explain investor guidelines and regulations.
  • Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
  • Maintained VA credit certification and Staff Appraisal Reviewer (SAR) certification. Ensuring all VA regulations and requirements are met.

District Sales Leader

PepsiCo
01.2011 - 04.2016
  • Coached sales associates in product specifications, sales incentives and selling techniques, significantly increasing customer satisfaction ratings to 4.5/5.
  • Worked diligently to resolve unique and recurring complaints by setting up a data base tracking system, promoting loyalty and enhancing operations.
  • Led targeted training programs to educate staff on product benefits and service capabilities.
  • Drove sales for 150 stores in district, generating $15MM+ in annual volume.
  • Taught sales concepts and practices to sales team of 12 employees.

Education

MBA - Finance

Walsh College of Accountancy And Business Administration
Troy, MI
12.2016

Bachelor of Science - Business Administration, Management and Marketing

Oakland University
Rochester, MI
12.2007

Skills

  • Mortgage Guidelines
  • Loan Documentation
  • Client Communication
  • Internal Communication
  • Application Analysis and processing
  • Credit and Debt Determination
  • Pipeline Management
  • Customer Experience
  • Financial Documentation
  • Underwriting Regulations

Affiliations

  • American Marketing Association

Timeline

Senior Mortgage Underwriter

Freedom Mortgage Corporation
11.2021 - 11.2022

Senior Mortgage Underwriter

United Wholesale Mortgage
04.2016 - 11.2021

District Sales Leader

PepsiCo
01.2011 - 04.2016

MBA - Finance

Walsh College of Accountancy And Business Administration

Bachelor of Science - Business Administration, Management and Marketing

Oakland University

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THOMAS BALLOR IIUnderwriter