1. 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.
2. 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
