Patrick Halonen

Background

About Patrick Halonen

Qualifications for Risk Management Leader Dynamic, results-focused professional equipped with 20 years of progressively responsible leadership in the financial services industry. 18 years management experience in underwriting, compliance, production and risk management. Offers demonstrated abilities in building strong relationships with staff/customers, managing diverse groups, expanding teams in growth environments, and designing and improving process solutions. Leverages a unique blend of analytical and communication skills to present technical information in a manner easily understood by a variety of audiences. Expertise encompasses: Operations/Project Management International Business Strategic Planning Account Management Financial Analysis/Management Regulatory Compliance Forecasting Customer Service Mortgage/Credit Underwriting Risk Management Policy/Procedure Development Training/Mentoring KEY CONTRIBUTIONS 13 years management experience, 15 years underwriting experience. Operations leader for highest volume region in Wells Fargo, oversight of underwriting, compliance and closing functions. National leader in quality, customer loyalty and production. Leader of mortgage underwriters for FHA, VA, USDA, Non-Conforming, Conforming and HARP transactions. Created jumbo loan platform to meet strong customer need, delivering portfolio assets to increase bank profiatbility. Earned Divisional Quality Awards for 2010, 2011 and 2012 for having the team with the lowest error percentage. Presented divisional: strategic thinking and training leadership awards. Earned FHA Full Eagle underwriting authority to allow direct submission to HUD. Implemented USDA lending program to offer increased financing options for customers. Lender representative in OCC audits and investor repurchase negotiations.