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Final Resume
- 1. Danny W. Haddad 552 Staley Ave Hayward CA 94541 dhaddad101@gmail.com Phone: (480) 773-5095 Objective Seeking a challenging and exciting career which will utilize my skills, innovative way of thinking, education and experience. Looking to assist a team where my energy and positive outlook could be of exceptional contribution. Job security and growth opportunity is of most importance to me as I am seeking a long-term career and intend on growing within your organization. Experience 2015-Current VAS Security Systems, Inc. Hayward/Home Business Operations Manager/Sales Improved the operational systems,processes and policies in support of organizations mission. Specifically, supported bettermanagement reporting, information flow and management, business process and organizational planning. Managed and increased the effectiveness and efficiency of Support Services (HR, IT and Finance), through improvements to each function as well as coordinated and communicated between support and business functions. Played a significant role in long-term planning, including an initiative geared toward operational excellence. Oversaw overall financial management, planning, systems and controls. Managed agency budget in coordination with the CEOs standards. Developed individual program budgets. Invoiced to funding sources,including calculation of completed units of service. Managed payroll management, including tabulation of accrued employee benefits programs. Originated and finalized sales for company including job walks and product training seminars on all security camera and home alarm systems. 2012-2015 Bank of America Corp MyWork/Home Officer/Policy Execution/Business Control/Manager 件Was hand selected/promoted to fill this role amongst hundreds of subject matter expert underwriters across the United States at Bank of America to assist with giving direction on decision making methodologies by utilizing bank guidelines and advanced business judgment. All one-off scenarios for workout programs and policy execution exceptions were sent to a team of only 10 to execute exceptions/decisions when an underwriter or manager could not. 件Resolved discrepancies and helped clarify issues with bank and government policies with all lines of business including Fannie Mae, Freddie Mac, VA/FHA, SFO and many special loan programs on a daily basis. 件eamLeaders right hand man for all investors on all topics, concerns and escalations. Assist/train newand existing team members with weekly changes/updates with the banks program procedures on daily JUMP calls. 件Created a faster, more efficient process for customer, underwriter and company all togetherby assisting underwriters with making business decisions. 件Mitigated loss for company by working in a department designed to keep process flowing efficiently but most importantly making quality decisions supported by bank policy. 件Assisted team leader with special projects which involved aligning gaps and discrepancies between program procedures, desktop procedures and underwriter job aides to keep all guidances consistent in an effort to prevent confusion and escalations downstream. 件Was chosen amongst team to assist on several calls with unit leads/vice presidents and executives to help explain and resolve issues with guidance discrepancies and systemissues to create a more smoother and accurate process for underwriting. 件One of the head members on audit committee to review and score other team
- 2. members quality and action plans to ensure accuracy and consistency. 2010-2012 Bank of America Corp Chandler, AZ SME- Mortgage Underwriter 件Reviewed and made a fair, fast and final decision on loan modification underwrites by analyzing the customers ability and qualifications based on hardship, income and credit. 件Managed a pipeline of nearly 250 MHA loan modifications for underwriting. 件Assisted Mgmt with special projects, meetings and escalations on a consistent basis. 件Chosen as subject matter expert and was selected to audit files for team and on occasion all site during special projects for the U.S. Treasury annual audit. 件Consistently a Top Performer in production while maintaining the best quality audit scores. Nominated and recognized by Senior Executive for my overall performance in the Loan Modification Dept. each year. 件Was selected among team to fill in for team manager while on vacation for a period of 1 month as point of contact on all matters. Attended meetings with VP and otherunit managers on special topics.Coordinated team huddles to cover important topics that needed to be rolled out immediately. Assisted teamwith audit rebuttals and all guideline scenarios/questions. 2009-2010 Bank of America Corp Chandler, AZ SME- Sr. Short-Sale Negotiator 件 Assisted in the short-sale process by collecting proper documentation and value certification for short-sale packages. 件Communicated with ATP and or realtor by completing welcome calls and requested docs needed for transaction while negotiating potential declines and foreclosure sale postponement fees to mitigate loss. 件Was Top Performer among 120 Short Sale Negotiators almost every month in my region. 件Assisted uppermgmt with highly escalated files from SVP by offering a world class customer experience and turning complaints and escalations into a great experience and satisfied customer. 2008-2009 Bank of America Corp Simi Valley, CA SME- Foreclosure Post-Sale Gov 件Managed a portfolio of 160 government funded mortgages per month that have been foreclosed and conveyed back to HUD. 件Responsible for following up with bids submitted by BACFSC to HUD in order to bring property to preservation/conveyance condition perHUD guidelines. 件Responding and generating an average of 100+ emails to all related parties including Evictions Team, Foreclosure attorneys and Property Preservation on a daily basis in order to meet deadlines and convey property to HUD per guidelines and department policy. 件Assisted management in maintaining the departments DTC report in order to assure conveyances timely and avoid curtailments that were preventable. 件Worked diligently with the team and team leaders to meet department goals while handling the largest portfolio amongst the team with Top Performer status, while maintaining a score card average of 98 - 100% accuracy on a monthly basis. 2006-2007 HSBC Financial Scottsdale,AZ Mortgage Underwriter II 件Granted or denied full underwrite loans to individuals who are trying to refinance or purchase a home, by analyzing there credit, collateral, and ability to repay each loan. 件Had loan authority of making loans to individuals up to $350,000 without second signature or review. Was also allowed to make counter offers without review or
- 3. second signature. 件Accountable for quoting pricing and rates to account executives who were out in the field at broker shops around the United States. Was labeled as the expert on team with product, guidelines and pricing knowledge and was made the go to guy for account executives to direct all underwriting questions and guideline concerns to. 件After being with the company for only thirty days,I was quickly advanced and offered loan authority of $250,000 which is typically not offered until 1 year from hire date. 駕逸逸鰹駕逸逸居Countrywide Home Loans West Hills, CA Underwriter II 件Granted or denied loans to individuals who are trying to refinance or purchase a home, by analyzing there credit, collateral, and ability to repay each loan. 件Had loan authority of making loans to individuals up to $250,000 without second signature or review. 件Supervised a team of fifteen individuals for a period of seven months under a special assignment. Special assignment was a night shift position that was developed and decided by the VP of Subprime Dept. Tasks included supervising a team of RVU techs and assisting in developing strategies for faster more efficient ways to complete RVUs and research for underwriters. 件 Was responsible for handling Countrywides underwriting information hotline were brokers could call and ask specific questions regarding Countrywides guidelines, pricing, on-line underwriting system, and exceptions process. 2001-2003 Countrywide Home Loans West Hills, CA SME- Re-verification of Underwriting Tech/Team Lead 件Entering/updating data into several of Countrywides complex and diverse data bases which required excellent knowledge of each data base and quick but accurate typing skills. 件Responsible for reviewing several underwriters research and input for complete accuracy and thoroughness foreach loan. 件Responded to all requests via email in assisting otherteam members and management with issues orconcerns regarding the subprime department flow process. 件Assisted management with organizing and handling any issues with the subprime file coordination room and handling process. 2000 - 2001 Washington Mutual Northridge, CA Forgeries Department Division Clerk 件Managed the identification of suspicious items and materials, examining customer history, inspecting authentic and/or possible counterfeit material. 件Notified customers over phone of suspicious activity and/orof fraud committed to their account/s. 件Utilized Washington Mutuals examination systemfor signature verification and legitimacy compared to signature cards placed on file in each individual branch for fraudulent activity. 件Maintained a friendly and healthy working environment with co-workers and management to achieve daily goals and objectives. Education Sunnyslope High School Graduated in 1999 Santa Monica College 1999-2001 Sociology Pierce College 2001-2004 Business Law References John Jake Morris Mortgage U/W Manager 1-877-430-3413 ext 23426 Jose Uscanga VP, Team Lead Cons U/W 480-755-6274 ext 39861 Brian Zamani AVP FCL MLO-Unit Leader 805-306-8274 Alicia Winters MLO-UNIT LEADER 1 805-520-5356 Tina Barber Short Sale Team Manager 480-457-3312