Will Mitchell 1815 SE Clover Ridge Dr ● Ankeny, IA 50021 ● (515) 371-8228 ● willmitchell@outlook.com

SKILLS

14 Years Industry Experience

Complex Financial Analysis

Mortgage Underwriting

Diverse Systems Knowledge

Team Member Development

Microsoft Office Efficiency

Strategic Analytical Thinking

Process Improvement

EXPERIENCE

Wells Fargo Bank, N.A West Des Moines, IA

Lending Manager September 2014 – Present

Responsible for the hiring, leadership and development of a team of home preservation underwriters

Build the credit knowledge and improve efficiency for my team, our site and the FHA Portfolio.

Collaborate with peers and leaders to resolve challenging scenarios and discover creative solutions.

Conduct weekly, monthly, and yearly reviews of my team members to ensure we consistently align with and

achieved department goals

Audit loans on a daily basis to strengthen credit culture, improve customer experience and effectively manage

regulatory, operational and reputational risk

Present regularly on management calls, credit trainings, quarterly wrap ups and other meetings.

Consumer Loan Underwriter October 2010 – September

2014

Cash flow paystubs, P&L’s, bank statements & tax returns as well as analyze other expense and hardship

documentation to determine the ability and willingness of the borrower and appropriate retention options.

Analyze decision tools DAT and SLOAD to ensure accurate decisions are rendered for our customers

Experience with both first and second lien, HAMP and proprietary modification treatments

Second level reviewer responsible for mitigating risk by ensuring accuracy & providing feedback to first level

underwriters.

Train & mentor new hires, develop job tools and review new underwriter’s files for DOA tests

Interact with team members and management to find solutions to difficult accounts and improve process.

Assist with project testing, leadership and implementation.

Loan Adjustor Specialist February 2009 – October 2010

Interact and negotiate with customers, underwriters, realtors and other involved parties to ensure that all

appropriate actions are taken to prevent foreclosure.

Provide a positive customer experience to those in difficult financial situations with the goal of reducing risk

and increasing brand loyalty.

Cash flow and Analyze Paystubs, P&L’s, Business & Personal Tax returns and other income documentation as

well as borrower’s hardship applications to determine ability, willingness and appropriate programs to pursue,

such as HAMP, Forbearance, Extension, or Repayment Plan.

Sales Specialist September 2006 – January 2009

Developed relationships with customers to understand their product needs.

Sold non-conforming cash out mortgage refinances and lines of credit.

Coordinated process with our team of processors, underwriters, and branch managers.

Completed preliminary credit analysis of documents from multiple income sources including wage earners, sole

proprietors and corporations. Reviewed debt ratios, credit reports, loan-to-value and appraisals to ensure proper

product offerings and limit risk exposure for our company and investors.

Two Time “Best Balanced Company Affiliate” winner & Top ten employee with annual sales over $6.5MM

Mentoring Committee member responsible for assisting the development of new team members.

Recovery Collection Specialist December 2005 – September 2006

Work with customers to negotiate payment arrangements on charged off accounts with the goal of payment in

full or settlement of the debt

Member of the Pride of Ownership Committee and the Mentoring Program

Inbound and Outbound Collector June 2002 – December 2005

Made outgoing and received incoming calls to resolve delinquent debt in a fast paced call center environment

Assisted Management team with call escalations and weekly performance reviews and a member of the

Motivational Committee

EDUCATION

Drake University Des Moines, IA

Masters of Business Administration- Financial Management 2009-2010

Faith Baptist Bible College Ankeny, IA

Bachelor of Science- Youth Ministry/Counseling 2001-2005