Jason D.

Experience

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  BREMER BANK, PLYMOUTH, MN

  Jan 2006 - Jan 2007

  PERSONAL & BUSINESS BANKER / SUPERVISOR 2 / INITIAL UNDERWRITER

  Successful at driving new business through creative marketing and relationship building with 40% growth in HELOC products in <12 months. Established a new lending partner for home equity products through innovative relationship building. Increased market share with an increase in consumer deposit products.● Leadership● Treasury ● Operational/credit Risk● Consultative Sales● Underwriting● Marketing ● Client Retention● Negotiations● Business Development

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  RAPID MANAGEMENT, LLC, FRIDLEY, MN

  Jan 2007 - Jan 2011

  Owner

  Conceived, owned, and operated all element of a property preservation company. Partnered with internal/external vendors to achieve cross-functional goals. Ran a successful/profitable startup while operational through creative solutions to complex problems. Managed three crews of self-employed business owners to expand footprint. ● QuickBooks/Excel (Created a statistical analysis utilizing Excel)● Project Management● Operational Risk● Execute on business objectives/plans to achieve forecasted growth, while accounting for external risks.● Accounting/Budgeting ● Leadership/Management● Staffing Decision Maker ● Client Retention● Negotiations Show less

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  WELLS FARGO HOME MORTGAGE, MINNEAPOLIS, MN

  Jan 2011 - Jan 2012

  PRIVATE MORTGAGE PROCESSOR / CLOSER (2011 – 2012)

  Prepared state-specific closing documents for first mortgage loans in multiple states. Analyzed files for completion of pre-closing process, preliminary title reports, appraisals, and required approval/closing conditions.

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  WELLS FARGO HOME MORTGAGE, MINNEAPOLIS, MN

  Nov 2012 - Oct 2014

  PRIVATE MORTGAGE PROCESSOR / UNDERWRITER (2012 – 2014)

  ● Managed a pipeline more than 100 loans.● Mentored and coached peers.● Processed complex, wealth client mortgage loans.● Created training material and facilitated training for new processors.● Made recommendations on authority readiness for peers seeking authority. ● Made formal process improvement suggestions to leadership which were implemented across teams.● Created PowerPoint presentations for learning material.● Created process manual utilizing Word.

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  Wells Fargo

  Oct 2014 - Sept 2022

  ● Home Lending subject matter expert regarding Policy, Procedures, Wells Fargo systems, Credit Risk, REO, Bankruptcy risk impacts, Income, Assets, Wealth Clients, Non-QM, Agency, Manual Underwriting. ● Risk Monitoring driven by data from staffing audits.● Created a control to reduce material findings. Control measures deployed reduced findings, upskilled team, and reduced risk exposure.● Coached / mentored underwriters on how to properly contact and relay perceptually difficult news to customers, while also creating a positive customer experience. ● Challenged existing policy/procedures that resulted in change.● Created PowerPoint presentations for learning material, process manual, and facilitating meetings.● Used Excel for business line data, tables calculations, reporting, trend analysis. ● Ability to prioritize work, meet deadlines, and achieve stretch goals while working on under while balancing multiple projects. ● Lead projects, individual accountability, quality, production.● Developed relationships to understand others’ needs, interests, strengths, and weaknesses.● Advised others on development techniques (mentoring, coaching, providing stretch assignments) and measuring their outcomes.● Built an understanding of changes to Wells Fargo’s business, operations, or environment. Initiates change activities by creating new directions or processes to enhance team productivity. ● Provided clear instructions and guidance to employees to help them navigate and manage change.● Collaborate and consult with team leaders in developing project plans, policies and procedures.● Translate priority change opportunities into impactful strategic plans for employees. ● Encourage change responsiveness by communicating benefits of change and connection to Wells Fargo’s purpose or strategy. ● Use knowledge of emerging business needs to create opportunities for teams to respond and innovate. Show less ● Worked Agency Underwriting, Portfolio Non-QM underwriting, Manual Underwriting. ● Challenged existing policy/procedures that resulted in change.● Can work both independently and collaboratively. as an UW, working independently and made top 3 performance amongst hundreds of peers.● Identified external factors impacting client / customer and partners with others to assess underwriting implications and recommend changes to underwriting approach.● Mentored and coached processors working toward gaining authority in which I had the sole discretion to recommend readiness for authority testing during this time-period. ● Created training material and facilitated training for complex asset and income reviews. ● Underwrote new constructions loans, and complex asset/income customers with multiple businesses/passthroughs.● Worked with spreading financials and reviewing balance sheets and P&L’s to document health of business. ● Worked on all tax forms, 1120, 1120s, 1065, Schedule C. ● Follow guidelines to conduct routine research and analysis of client / customer income, credit and/or collateral and to determine associated risks. ● Use sound judgment and applies basic understanding of credit requirements for relevant client/ customer and product / service type; follows loan structuring and pricing guidelines. ● Independently manage all aspects of the underwriting process for low to moderately complex transactions. ● Work independently on making complex decisions with multiple variables present.● Underwrites complex transactions and develops mitigations to minimize impacts to the organization; identifies creative solutions or alternatives for client / customer as needed, while ensuring compliance with risk policies. ● Leverage in-depth credit knowledge and experience to assess potential client / customer and/or collateral risks; arrive at decisions; and determine exceptions, when relevant. Show less

  • Lending Manager

    Sept 2020 - Sept 2022

  • Agency / Portfolio Credit Underwriter IV - NMLS ID 810395

    Oct 2014 - Sept 2020
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  Wells Fargo

  Jan 2023 - now

  Investigator

  ● In depth knowledge of Conduct Management and the allegations lifecycle● Partners with Employee Relations, Internal/external fraud as well as other internal Wells Fargo groups around cases of misconduct to assist in case research.● Applies understanding of policies, procedures, and regulations to investigate potential legal issues or allegations. ● Deploy Risk Management techniques during research of internal employee misconduct within multiple business groups.● Contribute to large scale strategic initiatives regarding identified conduct risk, while consistently meeting enhanced SLA deadlines.● Develops investigative plans and executes relevant techniques to source and analyze evidence; applies critical thinking and sound judgment to develop conclusions. ● Communicates investigation outcomes, recommendations, and resolutions in writing to key stakeholders.● Investigate moderately complex business, operational, and strategic initiatives that require analytical skills, basic knowledge of organizational strategy and Business Execution.● Ensure employee compliance to all Enterprise and Business Policy/Procedures.● Effective communication skills while writing investigative recommendations that require regulatory oversight/review.● Subject Matter Expert at CORE, with a strong understanding of all other Wells Fargo computer systems through extensive research of employee conduct. ● Review pertinent policies and business procedures to ensure understanding of what should have occurred so control breakdowns and gaps, which contributed to the activity, can be identified. Show less