NATHAN RUSINKO

(612) 910-1762

Email: nrusinko@gmail.com

EDUCATION

· Capella University – MBA Project Management

· Economics / Business and History, St Olaf College: Northfield, MN

· Moderate skill with Italian and Spanish

TECHNICAL SKILLS

· Microsoft family of programs including Outlook, Excel, Access, Project and

Word

· Proficient in both Windows and Mac OS

· Web Based: Mavent, AppIntell Fraud Tool, Safecheck v2.1 and

AppIntelligence, Inc.

· GMAC RESCAP Specific: IMSR; NCAS; Café 2.2; F status database

· Fluent in OMNI and Lotus Notes

· QA programs: Exact Target, WinMerge, Ingeniux

· QA Waterfall protocol

· SQL

EXPERIENCE

Home Services Lending

June 2015 - Current

Deficiency Remediation Analyst

· Responded to, researched and resolved escalated loan deficiencies requiring

special handling , forwarded by agencies, investors and/or internal company

employees to ensure timely purchase advice is issued by the investor.

· Review of in-progress, closed or cancelled single loan/credit exceptions,

applications, claims, files etc., individually or in aggregate, to determine if

processes and documentation are in compliance with internal company

requirements, contractual terms/conditions, insurer guidelines, investor

requirements and/or government regulations or to perform remediation

activities.

·

Determined the appropriate course of action, conducting investigative steps to

· Communicated with others including customers, internal company employees,

investors, authorities, executives and/pr agencies) to ensure resolution/

negotiation of sensitive and/or time-critical matters.

fully identify the issues, researching product information, terms , conditions,

contracts, etc, creating correspondence as needed, processing complex and/

or corrective actions on-line, in person and via email.

·

·

· Refers recommendations exceeding authority levels and/or times unable to

meet resolution to management for review.

Initiated new standards, policies, and./or procedures to correct deficiencies.

Identified risks and/or problems and then clearly documented these changes.

· Participate in project work to identify/implement procedure, policy and system

enhancements to reduce future deficiencies.

·

· Generate reports and summarize results.

· Evaluated deficiencies in Underwriting, Closing, Post-Closing, Processing and

also Regulatory compliance

TLG (Formerly The Lacek Group

November 2013 - February 2015

Junior QA

· Chaired QA brief meetings which outlined campaigns, data needs and

deployment objectives.

· Designed, built and implemented test plans not only for my accounts but for

many others.

· Extensive work with email generating program Exact Target.

· Extensive work with copy managing program Ingeniux.

· Mobile QA testing experience

· Familiarity with SQL Server

· Familiarity with query language

· Waterfall review technique experience

· QA Testing for both web sites and emails.

· Websites were both singular landing pages as well as interlocking networks of

pages.

·

Single email testing using dynamic modules so each email was unique to the

recipient.

· Recurring emails included a “memory” of previous client contact which would

then alter future emails. Such as if a customer signed up for a promotion.

The next email would relate to the promotion rather than an invitation for

joining.

·

· Testing process includes copy deck, URL, vdata and image testing.

“eStatement” campaigns which were similar to a monthly ledger, showing the

individual’s achievements.

Military Family Home Loans: Joint Venture of Wells Fargo St Louis Park, MN

2013 – September 2013

Human Resources Site Work Director

· Directed the site and team managers on the process of on-boarding newly

hired employees so that there was no time or revenue wasted.

· Worked with the senior leadership to develop, build and improve the new onboarding

process to expedite productivity.

· Managed the resources for the new hires including computers, phones, and

blackberries to maintain a constant contact steam between the managers and

their teams.

· Created new accounts such as instant messaging, computer systems access

and all human resources logins for faster training and production

implementation.

· Ordered appraisals and began the loan process which required a high level of

accuracy to prevent problems at loan closing.

Wells Fargo Home Mortgage: Joint Venture Division

2012 – February 2013

Eden Prairie, MN

Work Director: JV Dedicated Fulfillment

Joint Venture was a business arrangement between Wells Fargo Home Mortgage. In

this case, there were 6 businesses in all. Some were USAA, DE Capital, Colorado

Mortgage (CMA) and Premia.

· Directed underwriting and processing teams to properly make deadlines and

maintain a high level of accuracy. This meant overseeing accounts and, if

necessary, to implement projects.

·

· Daily production management including inventory management and priority

ranking which helped the individual underwriters manage their pipelines which,

in turn, allowed the processors and the closers hit the closing dates. This

saved in extension fees, wasted time and bad press from angry borrowers.

The average loan was $200,000 and was the result of 3 weeks’ of work

between three different teams. Saving even 5 loans in a month is a million

dollars of recouped revenue.

In total, my overall loan account management was valued at $40,000,000.

· Created new databases and reporting tools which dropped the overdue

number of files by 50% by using my spreadsheets, reports and “thinking”

spreadsheets in my first month alone.

US Bank

Minneapolis, MN

2008-2012

Lender Support Services Business Analyst

Business Analyst for the Lending Support Services (LSS) team. My primary roles

were the daily maintenance of the Priority Log and the creation of new Change

Requests (CRs) for system updates.

· Wrote detailed change requests including documentation, prototypes, and

process flows to aid our development contractor

· Wrote several spreadsheet formulas that cross referenced both type and age

of the file such as an ARM loan or an FHA loan. Then, these sheets would

generate reports, and handed out to the managers.

· When the correction / update was completed, the testing phase began where I

would input several test files and document the results.

· Testing was documented on a special database grid with type of file and data

being tested with detailed notes showing why the correction was either

working or not.

· This was all done in accordance with a current standard of testing to assure

commonality of the work (no false positives or fails)

· Worked with the LSS Content Management System when planning changes,

knowing the impact of the change to each existing field and existing system

processes

Home Mortgage Compliance Review Department Team Lead

Team Lead for the Table and CUSB channels for the Quality Assurance team.

Managed the training and quality of my team’s work.

· Developed trainings for compliance department staff for industry changes

such as broker compensation, RESPA, and MDIA guidelines

· My training manuals and resources were posted by the compliance and

training departments for overall use within US Bank.

· Trained classes ranging from 15 to 50 employees over the course of my time

as Team Lead.

· Created interactive Excel worksheets with calculating capabilities to ensure

accuracy of financial documents. These worksheets were then posted on the

intranet for use throughout the company.

Home Mortgage Loan Purchase Specialist

The Wholesale Quality Assurance Team’s primary goal is to ensure loans purchased

and closed by US Bank follow federal, state and US Bank guidelines. This includes

client interaction for documents, monies and follow-up for outstanding issues.

· Completed assorted compliance tests, including “Test A,” “Test B” including

TIL fee disclosure testing, and “Mavent” high level web-based compliance test

· Performed TIL verification including APR review and payment stream review

· Trained new team members

· Audited reviewed files monthly to ensure reviewed files met 100% of US Bank

standards and requirements

Target Corporation Minneapolis, MN

2007-2008

Guest Services: Escalated Calls

Managed escalated guest complaints. This included emails and phone calls.

· Phone calls and emails.

· Escalated “manager” level of customer contact which means I could issue

refunds in the way of gift cards as well as give advice to the store located

guest services.

GMAC Rescap (GMAC RFC) Richfield, MN

2001-2007

Unsaleable Loans Managing Specialist

Created and managed a new team responsible for reviewing and correcting files

containing post funding errors resulting in an unsaleble loan status in investor pools.

· Over 250 new files managed per month, with clearances of up to 100 files per

week worth $50 million.

· Managed the backlog from over 1200 files to less than 300

· Reorganized the outdated monthly report, making it more fluid and intuitive.

· Led a customer service driven team that partnered with clients and internal

teams under difficult circumstances. Trained the clients on the errors to

prevent future issues.

· Cleared $511,000,000 worth of resolved inventory in 2006, consisting of 2500

cleared files and $209,000,000 in 2007, consisting of nearly 1000 files

Senior Operations Associate / 2nds Bulk

Managed the Encore Bank account, the largest Second Lien client for GMAC

RESCAP

· Funded files in bulks of excess of $23,000,000 per month with over 1,200 files.

· Constructed a database that allowed for bulk file management

· Monitored and supervised the client and trade desk contacts throughout the

· Bulk process and final wire

Senior Operations Associate

Management of file review, client service and daily wiring of funds

· Coordinated with other teams to facilitate timely file review and wiring funds to

clients.

· Led special projects including new database setup and training which added

to company efficiency and updated processes

Commitment Specialist

Maintained locking in and funding within trade desk commitments implemented by the

client with RESCAP

· Confirmed incoming commitment issue files and client communication

· Monitored the incoming issues When this project began, there were as many

as 500 compliance issue files in house. Within two months, this number was

below 30 with a rotating inventory and a 30 day time limit.

Operations Associate/1st Flow Team

Managed small clients including single file funding and file review. Performed pre-fund

reviews including Legal Documents, Servicing Documents and the Appraisal

AMEX Financial Advisors: Payroll Associate Minneapolis, MN

2000-2001

Payroll Associate

Managed employee timecards, W2s and separation processes as well as

maintenance of the customer hotline.

· Audited and input timecards for 12,000 AMEX employees with special

instructions for late or special cases

· Processed separations and accurately prepared final paychecks

· Balanced payroll numbers bi-weekly for employee paychecks

HMN Mortgage Services Maple Grove, MN

1998-1999

Operations Assistant and Intern

Managed the Datatrak computer setup and built filing parameters for the electronic

files. Worked extensively to establish a new Final Documents department and

processes.

· Worked online on applications for FHA Insurance and Flood Certification.

· Developed of the final documents process including clearing the backlog of

files and tracking of new files. Six month turn time was corrected to a three

week turn time.

· Audited files in post closing reviews for investor sales.

VOLUNTEER WORK

· Work with Eastside Neighborhood Services since 2003, aiding with food and

clothing drives

· Children’s Theater Volunteer

· CDLC-Child Development Learning Center's annual Carnival fundraiser