Terry JohnsonSummaryA driven mortgage backed securities professional, Terry has nine years of banking experience. Terry recently completed his role with US Bank as a Mutual Funds Specialist. Terry equips a very calm and passionate communication with every customer and coworker he interacts with. Terry is highly proficient in Microsoft Access, Excel, loan underwriting and processing various types of securities and investments. Terry has worked effectively in trust operations based roles utilizing his ability to work in a fast paced, detail focused environment. This was best shown during his time with US Bank where Terry was responsible for operational support and processing for various types of securities, alternative investments and mutual funds. Terry works great in team environments as his positivity is contagious. He has become the go-to mortgage loan specialist at his previous companies. Terry has exceptional trust operations and banking experience which ensures timely follow up on all of his work. Terry is excited and available to interview with 48 hour notice.

Professional ExperienceUS Bank Mutual Funds Specialist II February 2014-March 2015

Responsible for operational support and processing for various types of securities, alternative investments and mutual funds

Perform various securities operational tasks, including maintenance, ensured requests completed timely accurately and in compliance with standard policies

Processed new accounts, purchases, redemptions, exchanges, Legal trades, IRA's and account maintenance

Processed change requests to meet critical deadlines Responded to current and prospective shareholder inquiries received in written and or via email

providing general investment and account information via telephone or correspondence such as minimums, options, and account balances

Initiated account financial transactions and adjustments as authorized by department guidelines Calculates and processes exact share trades, determines dividend distribution amounts, and

reconciles account balances

JPMorgan Chase Borrower Assistance Support Specialist October 2011- October 2012

As part of the new B.A.S.S Help Desk team, I assist Chase employees in default servicing Phone calls received in the department dealt with all facets of the modification process

including policies, procedures, systems, and general methods Due to our success as underwriters previously, group members were designated as Subject

Matter Experts and positioned to ensure back-logged loans, as well as new applications were moved through the system to meet corporate and federal guidelines

Executive Office Related Case Manager April 2010 -October 2011

Reviewed escalated complaint cases for a final resolution between Chase and the consumer Prepared professional letters to be sent to borrower and authorized third parties to relay

resolution of complaint Communicated final decisions to the OCC Worked closely with other departments within Chase for sound determination of accuracy on

credit decision practices to resolve customer complaints.

Loan Underwriter July 2009 - October 2011

Reviewed credit reports, financial statements, tax returns, DTI ratios, and corporate guidelines to ensure a proper decision is made for mortgage loan requests

Underwrote default loans for various investors to include Freddie Mac and Fannie Mae Made outbound calls to customers to obtain financial documentations and to relay final

decisions Evaluated collateral, appraisal and credit documentation to determine risk reviewed title

searches, flood and property appraisals for accuracy Compared results to the underwriting models for decision making Consistently maintained a high level of production and QC compliance Regularly chosen to assist in escalated issues, training, and overflow assignments

Default Lending Negotiator May 2009 - July 2009

Provide high level customer service via telephone communication Focus on collecting delinquent loan payments from customers, by reviewing customer's

financial information, via fax or verbal Receiving inbound phone calls and using an automated dialer system to make outbound phones

calls to borrowers who are behind on their loans Obtaining the customer's financial information to determine an affordable repayment plan or

loan modification Collecting payments via phone directly out of the customer's checking or savings account

Wells Fargo Home MortgageDefault Collections Specialist January 2008 - May 2009

Provided high level customer service receiving inbound phone calls Used an automated dialer system to make outbound phones calls to borrowers who are behind

on their loans Obtained customer financial information to determine an affordable repayment plan or loan

modification and focused on collecting delinquent loan payments Collected and applied payments over the phone from a customer's checking or savings account

HSBC- Beneficial Senior Mortgage Banker April 2006 - January 2008

Mortgage Banker my responsibilities included preparing loan origination documents Validating required borrower information, organizing documents, coordinating and guiding all

parties through loan process Analyze the borrower's financial information, credit report, and obtain and review property

evaluations to determine eligibility base on specific guidelines General administrative tasks, answering phone calls and assisting with marketing materials

EducationUniversity Of Milwaukee

General studies in Computer Science

Highlights Loan Origination Licensed 2006

Credit Life Disability Insurance Licensed 2006 Experienced with working with several programs such as MSP Fidelity, Lender Live, Agent

Desktop, Pega, WPII and LPS