Austin Baade

Austin Baade Capital Markets Hastings, MI 49058-- Authorized to work in the US for any employer Work Experience Capital Markets Administrator Northpointe Bank - Grand Rapids, MI April 2019 to Present The creation and distribution of mortgage rates. Minimizing interest rate risk by timely and accurately hedging loans originated for sale. Perform support functions related to the Lock Desk. Ensure timely and accurate delivery and purchase of all saleable loans. Perform analysis of mortgage data to maintain and adjust to strategic initiatives. Monitoring and supporting trading system applications and exchanges, as well as being able to solve complex problems that require both technical and business understanding. Responsible for the Lock Desk function including communication with all necessary customers along with support and resolutions on pricing, locking, and systems issues. Review, validate and confirm all lock requests and extensions for accuracy and completeness. Monitor previously sold loans and commitments for changes in loan status including lock or trade expiration that may require resale or adjustment to previous forward commitment. Create and maintain performance reports to support key performance metrics. Prepare and distribute daily investor purchase information to accounting as required with additional summary reporting provided to senior management. Manage all aspects of reporting to ensure saleable loans are delivered and purchased in accordance with current guidelines. Responsible for the accurate, complete, and timely delivery of all loans to Fannie Mae, Freddie Mac, and/or other investors including the updating of the delivery status in appropriate system(s). Maintains and updates pricing model in a timely manner as required based on changes in loan programs, margin changes, or other changes as directed. Ensures that pricing model assumptions are current and correct and that rates published to production match pricing provided in Optimal Blue pricing engine. Monitors trading systems as needed and market price movement and advises senior management if necessary. Interact with other areas of the credit union including mortgage production, marketing, accounting, systems support, and credit union management at all levels. Have a thorough knowledge of current mortgage system and its features. For the purpose of maintaining Bank goals, it is the responsibility of each employee to strive for the continuous quality improvement of processes and quality of service to internal and external customers. Mortgage Pricing/Secondary Marketing Specialist Member First Mortgage, LLC - Grand Rapids, MI December 2015 to Present Assisting both In-House Loan Officers (Los) as well as Owner/affiliate Credit Union Loan officers in correctly locking loan rates, terms, programs, and pricing. Facilitate lock extensions, cancellations, as well as program and term changes as directed by the LOs, Underwriting, and in accordance with pricing policies. Assisting with renegotiating pricing and terms on individual loans as requested by Production. Producing internal reports to assist management in pricing loans and managing loans in the pipeline. Duties and Responsibilities: - Accept rate locks and verify accuracy of rate lock submissions to ensure accurate pricing and eligibility for loan program requested through pricing and scenarios engine (Optimal Blue). - Process Extension and relock requests, ensuring accuracy of pricing and terms of loan, making applicable changes as necessary within the various business channels (Credit Unions, Retail channel, and Correspondent Lending channel). - Maintaining a hedged pipeline with capital markets firm - Verify and Distribute Lock Confirmations - Reprice/Input all lock changes for sellers, underwriting, and funding - Input data from loan sales to the LOS and reconcile for any differences in purchase price when loans are bought - Generate daily lock reports - Maintaining investor pipelines - Assist with system, product and procedural inquiries - Secondary Marketing - placing loans into commitments/pools for purchase, and selling closed loans to Investors. Knowledge and Skills: - Proficient in relevant computer applications, high focus on Excel Professional verbal and written communication skills Excellent analytical, critical thinking and research skills Ability to manage tight deadlines, short notice on changes and flexibility Ability to work with all levels and varying positions of staff High attention to detail Early Intervention Specialist - Collections Member First Mortgage - Grand Rapids, MI June 2015 to December 2015 Responsibilities Working in fast paced environment. Handling past due delinquent accounts. Providing support to Credit Unions and Government Agencies with delinquent account management. Placing calls to these members to setup payment arrangements. Taking incoming calls from members to reconcile accounts. Servicing, foreclosure, collection support. Accounts payable/accounts receivable. Skills Used Clerical, administrative, problem solving/critical thinking, customer service, client relations. Communications Slot Marketing/Sales Representative Gun Lake Casino - Wayland, MI April 2015 to June 2015 Responsibilities Computer operation. Customer service, marketing, sales, communications. Processing player club cards to guests. Event Promotions Management Skills Used Customer service, clerical, administrative Assembly Technician/Machine Operator Viking Corporation - Hastings, MI April 2014 to February 2015 Assembly of Sprinkler components, welding, machine/computer troubleshooting maintenance, drill press operation, and machine operation. Data entry through employers computer systems and touchscreen handheld devices. Work includes completing tasks in various departments on a daily basis. Multi-task management, strong communication, close attention to detail, exceptional reliability, and superb organizational skills all play crucial rolls in the success of this specific position. Sales Representative - Freelancer, Social Media Marketer, Independent Distributor Elance April 2013 to April 2014 Freelance work (short-term assignments). Mainly clerical/virtual administrative assistant jobs working with Microsoft office, Citrix, and Lotus Notes programs doing data entry, customer service, maintaining/updating a variety of different websites, web design, sales/advertising, bringing traffic to websites, obtaining new clients, maintaining current customer base, creating and distributing invoices, and online marketing. Education High School Diploma Hastings High School - Hastings, MI 2004 to 2008 Skills Sales (3 years), Customer Service (6 years), Finance (3 years) Links http://www.linkedin.com/in/austinbaade/ Certifications and Licenses Driver's License Additional Information • • • • • • • • • • Competent and reliable professional, committed to top quality work Experienced in Sales, Customer Service, Mortgage/Finance Self-motivated; able to learn on own initiative Excellent record of dependability, reliability, and punctuality Versatile and multi-skilled person. Close attention to detail. Highly reliable self starter; can be counted on to complete assignments and multi-task Data Entry/Typing Excellent communication skills Strong organizational skills Strong Computer Knowledge/skills