Over 20 years of hands-on ethical leadership experience with focus on Customer Service, Operations Management (Underwriting, Processing, Closing, Post Closing, Secondary Marketing), Project Management, Audit, Investor Requirements, Credit Policy and Loan Quality. Significantly increase productivity through a keen understanding of the importance of Human Capital. Excel in procedural development and implementation. Successfully forecast future business needs through gap analysis and strategic planning. SOX Testing & remediation, Implementation of Credit Risk Controls. Specialties: FASTER GOLD Certification (comparable to Six Sigma) through Countrywide Home Loans, FHA, VA, USDA. Condos, Co-ops, Multi-Unit and Manufactured Housing.

President-organic bbq sauce @ I recently rolled out my signature organic barbecue sauce, feel free to visit my website (offthebackboardbbq.com) for additional details. From August 2014 to Present (1 year 5 months) Sr. Underwriter @ Review/Underwrite FHA, VA, USDA/RD, Conventional and Jumbo Products. From July 2014 to Present (1 year 6 months) Sr Underwriter @ From 2015 to 2015 (less than a year) Sr Underwriter @ From 2015 to 2015 (less than a year) Operations Manager @ Managed the Mortgage Retail Operations, specific to the following areas: Underwriting, Processing, Closing and Post Closing From September 2013 to November 2013 (3 months) Sr DE Underwriter @ From May 2013 to September 2013 (5 months) Sr DE Underwriter @ From January 2013 to March 2013 (3 months) VP of Operations @ Managed the Mortgage Operations for both, Wholesale & Retail, specific to the following areas: Underwriting, Closing, Funding, Post Closing, Secondary Marketing. From June 2012 to August 2012 (3 months) Colorado Springs, Colorado AreaConsultant Mortgage Operations @ Supported mortgage operations leadership specific to cost per loan reduction, communication initiatives, and training projects for Processors and Underwriters. Implemented daily pipeline management procedures. Increased overall departmental productivity by 100% within 60 days. Reduced monthly Quality Assurance findings by approximately 10%. 6 month contract completed. From August 2011 to February 2012 (7 months) Sr Underwriter @ reduction in staff, laid-off From November 2010 to February 2011 (4 months) Phoenix, Arizona AreaAVP Lending Manager II @ Managed the underwriting activities of the Home Affordable Refinance Program Fulfillment lending site with 130 + employees. Designed daily reporting processes to improve operational efficiencies. Ensured that loan requests met program and product specifications or offered customer a different product and/or program when appropriate. Increased daily Underwriter production by 50% within 120 days. From December 2008 to September 2010 (1 year 10 months) AVP FHA Underwriting Supervisor @ Recruited to establish FHA Underwriting Department. Hired, trained, and mentored15 direct reports. Charged with full P & L accountability for $50M in monthly volume. Reported directly to the Vice President of Operations. Oversaw underwriting and reviewed submitted files to analyze loan approval, suspense, or denial. From June 2008 to August 2008 (3 months) Phoenix, Arizona AreaManager for Wholesale Lending Underwriting @ Managed, trained and mentored 75-100 Sr Underwriters. Full P & L responsibility for $100M - $120M in monthly volume. Analyzed the financial feasibility of new transactions presented. Composed reports with analysis that utilized a qualitative approach. From March 2007 to March 2008 (1 year 1 month) FVP Credit Risk Management @ Managed a department of 100+ employees across 650 nationwide branches. Held full P & L accountability for $2B in monthly volume. Incorporated monthly SOX testing, analyzed results, implemented applicable controls, and edited internal policies and procedures accordingly. Directed the National FHA Neighborhood Credit Watch process. Developed & implemented a National Underwriting Test Case process. From December 2003 to March 2007 (3 years 4 months) Originations Credit Manager @ Directed residential national internet department with staff of 90-100 Originators, Underwriters, Closers, and Funders in high-volume contact center environment. Administer outgoing dialer call system (ACD) specific to capacity modeling. Increased monthly funded volume by 40% within 90 days. From October 1999 to June 2003 (3 years 9 months)

Mesa Community College Dennis J. Campbell is skilled in: Mortgage Lending, Credit, Loans, Mortgage Banking, Credit Risk, FHA, Refinance, Loan Origination, Residential Mortgages, Banking, Risk Management, Credit Analysis, Leadership, Portfolio Management, Loan Servicing