User Profile Page
Nicholas Young
Notary Profile Information
Full Name
- Nicholas Young
About Me
Proud Husband and Father devoted to my family and faith. 20 Years in the Financial Services Industry. Always giving 100% in everything I do.
Telephone Number
- 785-248-1034
Available Hours
- Anytime
City and State
- Mico, Texas
Your Zip code
- 78056
E-mail Address
Commission Number
- 123
Resume
Nick Young
151 CR 2808 785-248-1034
Mico, TX 78056 n_young_20@hotmail.comObjective
Specialist in Building High-Producing Teams and Increasing the Bottom LineHighly motivated and skilled professional seeks career advancement within dynamic, high growth organization that welcomes dedication and experience; demands excellence with consistent objectives and exceeding goals. Exceptional ability to work under high pressure, offering more than 18 years of high volume management experience, complemented by a proven ability to grow a high-volume producing team.
Professional Experience
Wells Fargo
Lending Operations Senior Manager / Vice President 2019-Present
Retail Operations Senior Manager that led groups in all parts of the business. Responsible for leading and driving success of processing teams, underwriting teams, closing teams, and the funding teams. Ensure that we minimize Risk by competing with Integrity as well as driving high quality and performing teams. Delivering great customer experience to all customers, every time is daily focus. Overall Results drive Profitability to the company and was focus with each team.
• Senior Manager that managed underwriting, processing, closing, and funders in 4 different sites with the company.
• Managed 75-125 employees at any given time. Successfully hired and developed a new site in San Antonio to service our customer needs.
• Successful at driving profitability, customer experience, and development of team members.
• Responsible for engaging with upper leadership on successes, area of opportunity, and driving changes down to business level.
• Proven track record and proven results in all metrics measured by company.
• Responsible for forecasting, driving business, procedural improvement, and staffing.
* Identify Risk, monitor and inspect results, drive change through leadership, and execute on procedures and policies.Wells Fargo – San Antonio, TX
Lending Manager III/Vice President/Site Leader 2012- 2019
Responsible for managing the San Antonio FHA/VA site in all lending activities with Loss Mitigation Underwriting. Functions included in this responsibility are: approving loans in excess of department level authorities, ensuring conformity with Bank and HUD policies and procedures, assessing risk, analyzing new business ideas, and driving toward business goals with the focus on developing a highly productive team with key business metrics in sight.
• Level E – Highest level of Authority used to approve loans in excess of unit/department levels of authorities. Strong analytical skills required while analyzing financial metrics.
• Responsible in reviewing, preparing, and presenting key portfolio performances to senior management. May also include reviewing and approving workout strategies for individual loans.
• Proven ability to drive results by developing a team that is leading the portfolio in many key metrics. Promotions of team members are a result of top notch performances with 30+ promotions from my department in last 5 years.
• Extensive collaboration with senior executives and multiple departments to address any business needs along with hiring due to volatile pipeline in the industry. Proven ability to change directions and mirror a business needs change or policy change with excellent communication skills.
• Ensure a Customer Focus environment and development of team members with this in mind during each meeting and loan decision.
• Managing of 65-125 employees at any given time while also managing multiple sites
• Proven Track record to adapt to change and lead and organization with results, minimize risk, and provide a positive borrower experience.
* Focus on Risk, audit results, drive execution, and drive change to reduce riskWells Fargo – San Antonio, TX
Lending Manager II 2011- 2012
As a Lending Manager II am responsible for lending activities within the Wachovia and Wells Fargo/FHA/VA/USDA portfolios. Responsibilities include overseeing underwriting activities, monitoring delinquency, and risk rating accuracy while ensuring conformity with bank policies and procedures.
• Responsible for teams that underwrote Multi/Million Dollar mortgage loans to ensure service levels and quality numbers are achieved.
• Controlled hiring, developing, and motivating a staff to accomplish business goals. All while driving to align business policies/procedures with HUD guidelines.
• Played a key role in implementation and production of project backlog within FHA by developing and training a process to introduce 200+ team members to the business line.
• Collaborate with Senior Executive regarding Policies and Procedures, employee performance, production strategies during a time of rapid growth and a challenging business environment.Wells Fargo – San Antonio, TX
Loan Administration Manager 2010- 2011
The Loan Administration Manager, within the Home Preservation Department, leads and oversees activities supporting the Wachovia Pick a Pay portfolio for Wells Fargo. Responsible for managing a team, reviewing files per underwriting guidelines, ensuring customer service levels are met, and assuring compliance within bank policies and regulations.
• Ensured team productivity, by coaching and training to reach department goals
• Developed and trained a new team of Loan Adjusters to productive high quality, high quantity files for underwriting review by ensuring underwriting guidelines have been met.
• November 2010 Team Award for quality of files being sent to underwriting.
• Ensure Customer Contact Rates and drive a positive customer experience within process.Wells Fargo – Wichita, KS
Sales Branch Manager II 2004-2010
The Wells Fargo Financial Branch Manager directs and manages the activities of the branch, ensuring that profits are met, minimal bad debt is maintained, and expenses are controlled. This position is responsible for recruiting, managing, coaching, individual development, underwriting files, and motivating a staff to meet goals while complying with Wells Fargo standards, regulations and policies. This position requires strong management, ability to multi-task and excellent communication skills to go along with a detailed follow-through that impacts total revenue and promotional opportunities.
• Exceed targets consistently by building a solid team and utilizing excellent sales and underwriting skills. Store averaged 110% gain, 125% profit, and 115% real estate units sold yearly.
• Extensive Auto Finance Lending/Underwriting along with Credit Lines and Credit Insurances
• Responsible for building relationships with key partners to build efficiencies, improve processes, and monitor compliance to maximize customer experience.
• Business to business sales experience. Identify, contacted, and negotiated financing arrangements with clients by developing personal and professional relationships.
• Company leader in Manager Production and Sales
• Proven track record of training and promoting sales force to management
• Multiple Distinguished Ratings
• 1 million Net Income yearly within site
• Worked directly with senior management to develop profit plans, budget forecasts, product enhancement and business development for consumer clients.
• Excellent written and verbal presentation skills. Responsible for organizing, planning, developing and conducting coaching workshops, training seminars, and sales presentations for 60+ team members.
• Manage customer complaints to insure top notch customer service, business policy and procedures are being followed to ensure Wells Fargo’s reputation.
• Responsible for building relationships with underwriting and other key partners to build efficiencies, improve processes, and monitor compliance to maximize customer experience.
Achievements
• Qualified for Top 5 Branch five times and Top 10 Branch one time in first six months of 2010
• Received Branch of the Month 4 out of 6 months in our district in 2010
• Qualified for Top 5 Branch six times and Top 10 Branch ten times in 2009
• Top 10 in manager sales (2005, 2006, 2007, 2008, 2009, 2010)
• Star Performer 2006, 2007, 2009
• Leader of the Pack (2005,2006, 2007, 2008, 2009)Wells Fargo – Olathe, KS
Credit Manager 2003-2004
The Credit Manager services accounts and is responsible for sales. The primary goal is to serve the customer’s total financial service needs resulting in a greater market share, wallet share, and profitability. Accomplishing this requires working within a vital sales and service organization, promoting teamwork and working with other corporate departments to produce sales results.
• Identified and developed customer needs, resulting in increased customer satisfaction
• #1 in Regional production in dollar sales
• Led Branch to Distinguished Rating
• Develop business relationships with other retail sales businesses to generate sales leadsAmeriCredit Corp – Arlington, TX
Team Lead / Collection Rep 2002-2003
AmeriCredit Corp. is a leading automobile finance company that provides financing solutions indirectly through auto dealers. The company has approximately $10 billion in auto receivables and provides purchase contact, customer service, collections efforts, ending with customer paying off his or her contract.
• Called and negotiated contracts by providing excellent customer service
• Exceed Sales targets consistently through dedication, hard work, and communication skills
• Identify, guide, and lead a team to top notch results within the companyEducation
Ottawa University – Ottawa, KS
Bachelor of Science in Business 1998-2002
Major: Business Management with studies in Finance, Marketing, and Economics GPA 3.7/4.0
Bachelor of Science in Health Education 1998-2002
Major: Health and Fitness with studies in Personal Health and DevelopmentAwards / Recognition
Academic and Athletic scholarships – Ottawa University
Academic All-American – Men’s Basketball
All-Conference 2000, 2002 – Men’s Basketball
Member National Athletic Intercollegiate Athletes (NAIA) – Relocation CommitteeReferences
Furnished upon request
- Nick Young
- @nickwyoung15
Education
Ottawa University – Bachelor’s Degree in Business Management with studies in Finance and Economics
Ottawa University – Bachelor’s Degree in Health and Fitness
Counties or Cities/Zip codes
Medina, Bexar, Bandera, Uvalde, Zavala, Frio, Atascosa
Gender
- Male