Alfred E.

Davis
Cell: 810-252-0474 / Home: 810-750-3044 Home email: Al Davis@Charter.net / Alternate email: aldavis932@gmail.com

SUMMARY
Senior financial services executive with extensive, diverse experience in sales, production and operations in large regional and nationwide financial services companies. Significant experience in process improvement, budgeting, and cost control. Major strengths in staffing optimization, personnel mentoring and development, supervision and leadership. Outstanding communication and interpersonal skills. Proven ability to lead large teams in meeting and exceeding corporate objectives. Earned designations and demonstrated abilities: FHA Direct Endorsement VA/LAPP Thorough knowledge of Agency Policies, knowledge and proficiency of all levels of mortgage underwriting, including Government, Agency, Jumbo and Super Jumbo lending Thorough knowledge of complex personal and business financial analysis; expert in Tax Return and balance sheet analysis NMLS ID 395793, licensed in Michigan, Wisconsin, Iowa, California and Florida

PROFESSIONAL EXPERIENCE
JPMorgan Chase, Troy, Michigan 2013 Senior Underwriting Site Manager/VP Provide successful management and execution of underwriting oversight for a retail lending site serving a multi-state retail distribution channel. Provide consistent leadership, credit quality and decisions, process flow, customer service and risk control for the underwriting teams. Built an effective and efficient management team of Center Manager, Supervisors, and Underwriters who successfully design, develop and deliver underwriting services to the organization. Partnered with site Operations Manager and Sr. Lending Managers to implement strategies to improve service to our internal/external customers; decreased underwriting touches and cycle times. Lead the Midwest Region in quality results, improved cycle times and customer satisfaction scores. LENDERLIVE, Troy, Michigan 2010 2012 Senior Contract Underwriting Manager/VP Provide leadership and day to day direction to a team of production underwriters located onsite and in remote locations throughout the U.S. Direct the activities of the LLN Underwriting Team. Responsible for forecasting, process flow, leadership, and staff development. Participate in the development and maintenance of client relationships. NORTHWESTERN MUTUAL, Grand Blanc, Michigan 2008 2009 Financial Representative Assisted clients in creating financial security for themselves and their families. Offered the firms product solutions including life, disability, long-term care insurance, and investment solutions to address saving for education and retirement goals. Obtained license for Residential Producer for life, health, variable annuities, property and casualty; Series 6 and 63. GMAC MORTGAGE LLC, Troy, Michigan 1997 - 2008 Senior Credit Officer, Vice President, 2008 Provided credit risk direction and oversight to the retail lending associates within the Michigan Region. Worked closely with the retail production and operations staff to successfully implement and support market share growth. Worked closely with retail senior management to identify process/procedural improvements that supported continued channel growth.

Alfred E. Davis

810-252-0474

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PROFESSIONAL EXPERIENCE Continued

Worked closely with operations managers and team leaders to monitor the quality and performance of all underwriting associates. Reviewed and responded to exceptions on loans to $3M lending authority. Provided risk and underwriting direction to sales and operations staff; ensured a consistent underwriting philosophy. Regional Sales Manager, Vice President 2001 - 2007 Region encompassed Michigan with responsibilities for building and maintaining a strong, efficient lending team with focus on meeting and exceeding all corporate goals. Directly supervised a highly motivated team of 11 District and 9 Associates District Managers responsible for fifteen retail branches, and three satellite offices with over 115 mortgage originators and eighteen branch support people. Consistently exceeded plan in production volume and profitability. Improved corporate cross sales for ancillary products such as home equity lending, homeowners insurance, and credit card sales by 33%. Built strong working relationships with operations support team to ensure efficient and timely processing of all production volume. Assistant Regional Manager 1998 - 2001 Assisted the Regional Manager with managing all elements of business in the region. Instituted a branch review process to improve the quality of files submitted for processing resulting in improved cycle times from application through closing. Collaborated with all staff to resolve service related issues and to assure proper and timely communication with customers. Worked as liaison between sales and operations/underwriting on difficult transactions and provided consistent support in handling the appeal process. Area Underwriting Manager 1997 - 1998 Responsible for managing the activities of 23 underwriters located in three operations centers throughout the central U.S. and having daily interaction with senior management of Retail Production to help support market growth. REPUBLIC BANCORP MORTGAGE, INC., Farmington Hills, Michigan 1995 - 1997 Vice President, Underwriting/Appraisal Responsible for managing the activities of eight underwriters and seven staff appraisers for the Michigan division of a Midwest bank-owned mortgage operation. Monitored daily volumes to ensure that corporate turn time standards were consistently maintained Daily interaction with bank and mortgage branch personnel to ensure that customer service standards were maintained and to lend support in underwriting difficult transactions. Served as Retail Operations Manager in 1995.

EDUCATION
University of Detroit, Detroit, Michigan Masters in Business Administration Northern Michigan University, Marquette, Michigan Baccalaureate in Business Administration Mortgage Bankers Association of America, School of Mortgage Banking Graduate * Accredited Residential Underwriter

HONORS

Chairmans Club 20022003; designated as Top Regional Manager nationwide for production and profitability Presidents Club 20042007; Distinguished as being a Top Four Regional Manager nationwide for production and profitability Named Rescap Partner in 2006 in recognition of long-term commitment and performance exemplifying the firms Vision and Values Recipient of Key Contributor Bonus Award, 2004-2007