Tracy Decker
Blaine,MN
Summary
Experienced manager with over 21 years of experience in the mortgage industry. Exceptionally skilled at pipeline management, hiring, managing and training processing or underwriting staff. Very positive with an optimistic attitude toward striving to be the best in terms of performance and customer satisfaction. Proficient at carrying out operational reviews and leading operations staff.
Overview
22
22
years of professional experience
Work History
Sr. Regional Operations Manager - Promotion
Guaranteed Rate
Chicago, IL
01.2022 - 07.2022
- Hired, trained and managed processing team members
- Increase operations staff for 36 cost centers. Approximately 260 employees
- Assist in underwriting questions, escalations and exceptions to guidelines or overlays.
- Weekly management meetings to enhance collaboration and maintain culture based on trust and team work.
- Increase regional branch performance by implementing proven processes to decrease turn times, rush closings and post closing issues.
- Observe each employee's individual strengths and initiated mentoring or additional training to improve areas of weakness.
- Increase regional branch performance by implementing proven management processes to increase revenue.
- Train and guide team members to maintain high productivity and performance metrics using internal resources and guidelines.
Sr. Production Manager
Guaranteed Rate
Chicago, IL
07.2019 - 01.2022
- Assisted in hiring 8 new teams that consist of 6- 8 employees to build knowledgeable strong teams to ensure seamless loan process for borrowers as well as decreased turn times for individual high producing loan officers.
- Set Loan Officer and processors up for success; demands of high level productivity, efficiency, and quality
- Utilized time to task reporting systems to monitor overall pipeline from daily, weekly, and monthly views
- Coordinated weekly pipeline meetings to discuss all loan status, closing dates and possible issues.
- Followed up with POD members and worked toward solutions when tasks fall outside of expected turn times
- Resolved issues quickly to maintain productivity goals.
- Exceeded goals through effective task prioritization and great work ethic
- Proved successful working within tight deadlines and fast-paced atmosphere
- Drove turn times down to 13 days from RESPA to CTC
- Learned new skills and applied to daily tasks to improve efficiency and productivity
Sr. Underwriter
Guaranteed Rate
Chicago, IL
01.2013 - 07.2019
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA. Authorized to underwrite Conventional, HARP, Jumbo and FHA
- Communicated decision with operations regarding status of loan approval
- Followed file and check order as conditions are signed off and new information is received
- Maintained file order integrity
- Performed training as necessary to new underwriters or current underwriters learning new programs
- Remained top 5 of 152 underwriters for 4 continues years
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
- Worked with processing team members to communicate errors and obtain missing information for current applications
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Trained junior team members in underwriting procedures and loan quality grading standards
- Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards
Regional Underwriting Manager
CMG Financial
San Ramon, CA
05.2012 - 01.2014
- Management with respect to direction of underwriting resources and credit policy execution
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Conducted Loan audit, loan deficiency and training
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Conducted second level reviews for approval or denial based on investor guidelines
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited
- Monitored pipelines to track and log status of loans
Business Analyst ll
Ameriprise Financial
Minneapolis, MN
11.2011 - 05.2012
- Developed training programs for new underwriters and assist in training processes
- Developed new procedures and maintained current ones to be sure procedures were up to date and within regulatory compliance
- Created checklist for underwriters to use and implemented into training process to have accuracy and consistency
- Reviewed and audited loan files from Jr. underwriters
Sr. Underwriter
Wells Fargo & Co
Minneapolis, MN
06.2009 - 11.2011
- Reviewed financial statements, credit reports and calculated applicable ratios to determine applicant complies with underwriting guidelines
- Evaluated and examine loan documents to ensure accuracy and completeness
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
Underwriter/Repurchase Analyst
Wells Fargo & Co - Contract Position
Minneapolis, MN
02.2009 - 06.2009
- Performed file review for rebuttal or repurchase of loans from Freddie Mac and Fannie Mae
- Provided formal opinion and evidentiary support either disputing or in agreement of rebuttal or repurchase request for review.
- Reviewed mortgages and defended lenders from FNMA, FHLMC claims
- Proved successful working within tight deadlines and fast-paced atmosphere
Sr. Operations Manager
Guaranty Mortgage
Bloomington, MN
04.2007 - 01.2009
- Supervised and trained divisional mortgage operations for twenty-one Minnesota branches
- Performed quality control and approval review for consumer loan requests from staff underwriters
- Ensured compliance, accuracy and completeness within company and loan files
Operations Manager/ Owner
DNT Mortgage & Real Estate, LLC
Rosemount, MN
03.2002 - 03.2007
- Prepared production reports and lead monthly staff meeting to discuss current and future lending goals
- Reviewed post closing loan files to verify that all necessary documentation was included, conformed to lender/underwriting standards and was appropriately signed by all related parties
Staffing Manager
Robert Half International
Boulder, CO
06.2000 - 01.2001
- Performed sourcing, interviewing, negotiations, and hiring.
- Reviewed applications and resumes to support hiring activities.
- Streamlined HR efficiencies, coordinated new hire orientations and provided onboarding and training for new employees.
Skills
- Investor guidelines knowledge
- Business Leadership
- Employee Training
- Performance Monitoring and Evaluation
- Employee Corrective Actions
- Department Oversight
- Recruiting, Hiring and Onboarding
- Managing Process Efficiency
- Employee Performance Reviews
Timeline
Sr. Regional Operations Manager - Promotion
Guaranteed Rate
01.2022 - 07.2022
Sr. Production Manager
Guaranteed Rate
07.2019 - 01.2022
Sr. Underwriter
Guaranteed Rate
01.2013 - 07.2019
Regional Underwriting Manager
CMG Financial
05.2012 - 01.2014
Business Analyst ll
Ameriprise Financial
11.2011 - 05.2012
Sr. Underwriter
Wells Fargo & Co
06.2009 - 11.2011
Underwriter/Repurchase Analyst
Wells Fargo & Co - Contract Position
02.2009 - 06.2009
Sr. Operations Manager
Guaranty Mortgage
04.2007 - 01.2009
Operations Manager/ Owner
DNT Mortgage & Real Estate, LLC
03.2002 - 03.2007
Staffing Manager
Robert Half International
06.2000 - 01.2001
Undergraduate - Nursing
Eau Claire Technical College
Education
Undergraduate - Nursing
Eau Claire Technical College
Eau Claire, WI06.1997
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