Experience

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  Mortgage underwriting positions

  Jan 1998 - Jan 2004

  Mortgage underwriting positions

  REPUBLIC MORTGAGE INSURANCE COMPANY, Bloomington, MN 1/2001-1/2004AMERICAN SUMMIT MORTGAGE CORPORATION, Golden Valley, MN 1/1999-1/2001• Analyze information provided on loan applications and supporting documentation to determine risk of granting loans to applicants while meeting quota of underwriting eight to ten loans daily• Exercise independent judgment and effectively apply knowledge of regulatory guidelines for loan decisions using Fannie Mae, Freddie Mac, Portfolio, Sub-Prime, Manual and other investor guidelinesTCF BANK, Roseville, MN 1/1998-1/1999Consumer Lending Manager – In-Store Bank 2 Years Show less

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  Mortgage industry roles

  Jan 2004 - Jan 2018

  Mortgage industry roles

  MINTRUST MORTGAGE, Bloomington, MN 1/2016-1/2018AMERICAN MORTGAGE & EQUITY CONSULTANTS, Bloomington, MN 1/2009-1/2016GMAC ResCap MORTGAGE, Richfield, MN 1/2004-1/2009Branch Manager, Mortgage Loan Originator, Risk Manager, Fraud AnalystCredit Analyst, Compliance Analyst• Directed internal audits; identified/resolved questionable financial practices and/or suspected fraud• Prepared reports, exhibits and supporting schedules regarding financial solvency/safety/soundness.• Solicited and analyzed bids for repairs and renovations• Trained others on various related programs and computerized systems• Made recommendations to ensure compliance with laws and protect institutional solvency• Achieved additional approvals by qualifying loans that otherwise would not qualify by advising client actions to achieve better interest rates and/or taking steps to improve approval likelihood• Audited loans from many lending institutions; sampled 10% of closed loans; saved company millions by determining unacceptable percentages to be purchased• Directed internal audits; identified/resolved questionable financial practices and/or suspected fraud• Sent out of state to buy paper; sent to Ohio National State Bank, audited thousands of loans in several weeks; identified percentage of loans that were unacceptable category fits • Discovered fraud, cut off lending institutions due to fraudulent, money laundering, criminal activities • Gained knowledge of criminal curtailment activities and related deterrent tools and techniques • Evaluated business operations; identified fraud risk areas; conducted in-depth investigations of suspicious financial relationships, analyzed financial data to detect irregular billing trends • Recommended actions in fraud cases; negotiated with responsible parties to recover fraud losses• Prepared reports, exhibits and supporting schedules regarding financial solvency/safety/soundness Show less

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  Uptown landing condominium owners association

  Jan 2016 - Oct 2023

  Property & business manager / project manager

  Took on sole responsibility for overall operations and general management in this 37 unit Association that was financially in trouble and experiencing out of line costs in maintenance and other operational areas. Previous Board of Directors left and current board members accepted membership to be informed but remained inactive• Discharged Association business while working full time with stellar performance in mortgage banking • Used construction / trades / analytic skills to conduct detailed property/financial needs assessments• Researched/interacted with Burnsville Drinking Water Treatment Plant; bank / finance / construction personnel, construction engineers, architectural firms and forensic engineers• Identified fraudulent activities / overcharges of 3rd party contractors by installing cameras in the maintenance-boiler room to observe workers; found regular charges of $700+ during which time workers did no work, ate their lunch in the boiler room, then left premises• Dropped contract; researched and replaced with a well-qualified 3rd party maintenance contractor• Conducted regular facility inspections; identified a bowed ceiling issue, that could have caused a ceiling cave-in to boiler room; prepared/reviewed bids; selected a contractor to do structural repairs• Investigated/resolved complaints, disturbances and violations; interacted with police/fire departments• Maintain/administer/prepare sales records, rental/usage activity, permits, budgets, financial reports• Ensure regulatory compliance that now operates at normal expenditure levels and is financially soundOTHER: Worked for a Building Contractor with business in the Minneapolis/St. Paul, MN areaProject Manager / Expediter and Coordinator 5 Years• Selected, contracted and oversaw painters, plumbers, electrical tradesmen in project completions• Resolved issues with owners/contractors/design professionals; investigated damage/accidents/delays Show less

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  Professional experience

  Jan 2018 - Oct 2024

  Professional experience

  THORUD INC., Bloomington, MNProject Manager, Warehouse Manager, Shipping & Receiving Manager 4/2023-9/2024• Manage warehouse operations, inventory control, and logistics• Oversee receiving and saw department• Ensure accurate deliveries and maintain inventory records• Implement quality control measures and develop inventory tracking systems• Coordinate with other departments to ensure efficient flow of goodsUSBANK, Hopkins, MN (Worked as Independent Contractor for Specific Projects) Project Review Analyst, Project Manager, Coordinator 1/2019 to 1/2020Oversee, manage and coordinate building projects. Collaborate with marketing, operations departments to strengthen proposals, forms and contract deliverables• Member of document management team that reduced documentation and simplified user interface to save significant time and resources in areas of document retrieval, resulting in a $7M savings• Updated corporate website using HTML and CSS codes• Analyze, compare and research, write and assist in implementing procedure standards for specific projects; modify existing operation manuals, and edit security and other policies• Develop documents into appropriate form and styleWELLSFARGO, Hopkins, MN Internal Investigations QC Analyst IV 1/2018 to1/2019(Worked as independent contractor to complete specifically assigned projects)• Investigated allegations of law and misconduct by internal team members involving possible law violations, acts of dishonesty or trust, code of ethics or information security policy breaches• Completed and filed suspicious activity reports (SARs) required by internal fraud regulations• Provided subject matter expertise in internal fraud risk management and fraud detection• Ensured compliance with federal, state, local regulatory agencies and company policies Show less