Summary
Overview
Work History
Education
Skills
Hobbies and Interests
Affiliations
Accomplishments
Timeline
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Matthew Harris

Denver

Summary

Senior Trader with proven expertise in pricing strategy and risk management at Maxwell Financial Services. Adept at enhancing profitability through data analysis and investor relations. Recognized for meticulous attention to detail and strong problem-solving skills, driving successful outcomes in high-pressure environments. Committed to delivering exceptional results and fostering team collaboration.

Overview

14
14
years of professional experience

Work History

Senior Trader- Best Efforts

Maxwell Financial Services
Denver
05.2022 - 05.2025
  • Published daily and intra-day rate sheets for Correspondent and Wholesale channels.
  • Audited pricing system daily to ensure accuracy of published rates.
  • Managed lock desk operations, enforcing policies and procedures.
  • Ensured accurate entry and maintenance of pricing data in LOS.
  • Verified LOS data against lock data to maintain pricing integrity.
  • Reviewed and verified lock requests, extensions, profile changes, re-locks, and rate renegotiations.
  • Researched pricing requests and updated system with necessary changes.
  • Collaborated with Senior Leadership to set profitability targets across all channels.

Head of Secondary

Loan Simple Inc.
Denver
07.2021 - 04.2022
  • Managed lock desk operations and updated policies and procedures.
  • Cultivated investor relationships while overseeing certifications and recertifications.
  • Developed and maintained new retail and TPO products.
  • Ensured pricing accuracy for retail and TPO offerings.
  • Oversaw hedge management, mandatory bulk trading, and GNMA pooling activities.
  • Maintained competitive branch margins aligned with current MSAs.
  • Optimized LSI profitability through competitive pricing strategies based on volume.
  • Generated monthly and yearly reports on funded and purchased volume.

Servicing

Loan Simple Inc.
Denver
01.2018 - 04.2022
  • Collaborated with Dovenmuehle Mortgage Inc. to ensure seamless loan servicing.
  • Boarded and deboarded loans within the DMI system for accurate record-keeping.
  • Updated customers on loan statuses and payment information through direct calls.
  • Developed Investor Servicing Profiles for enhanced service delivery to DMI.

Lock Desk

Loan Simple Inc.
Denver
10.2017 - 07.2021
  • Collaborated with MC Trade in California to optimize pricing strategies.
  • Utilized Optimal Blue digital market engine for effective loan pricing.
  • Sent reminders to Loan Officers regarding expiring loans to ensure timely actions.
  • Managed profile updates, product changes, lock extensions, and re-locks efficiently.
  • Added concessions to assist Loan Officers in achieving PAR pricing for borrowers.
  • Coordinated with Quality Control and Disclosures to rectify lock errors.
  • Maintained constant communication with Branch Managers, Loan Officers, and VP of Secondary.

Post-Closer/Team Lead

Loan Simple Inc.
Denver
12.2015 - 01.2019
  • Utilized Encompass and Microsoft Office Suite for efficient daily operations.
  • Established procedures for Post-Closing tailored to each Investor's requirements.
  • Prepared closing and credit packages for submission to Investors.
  • Managed sales to Correspondent clients, Agencies, and Down Payment Assistance Programs.
  • Resolved suspensions from Investors to facilitate loan purchases.
  • Conducted weekly and monthly meetings with Investors to review performance metrics.
  • Processed wire payments through warehouse banks upon loan purchase completion.
  • Executed Freddie Mac and Fannie Mae Audits to ensure compliance standards.

Post-Closer

Zions
04.2015 - 12.2015
  • Primary system of use was Encompass and Outlook.
  • Drafted reports for my manager using Microsoft Word and Excel.
  • Team Lead in Freddie Mac Agency loans/ MBS Loans.
  • Sell correspondent/agency loans to Investors.
  • Completed projects and tasks in a timely matter.
  • Trained other post-closers for Correspondent and Agency loans.
  • Great understanding for HUD and TRID Guidelines.
  • Also worked construction agency loans.
  • Good communication skills via phone and email.
  • Handled original collateral (Notes) and Allonges.
  • Helped with Final Documents (Final Title Policies, Original Deeds, Original Mods, Insuring Docs).
  • Insured FHA/ VA Loans.
  • Held team meetings with investors to go over monthly suspense reports.

Shipping Specialist

LoanDepot
09.2011 - 01.2015
  • Consistently top 3 closers selling a minimum of 350-450 loans per month.
  • Average 350-400 packages created per month to deliver.
  • Type of loans handled: Agency, Cenlar, & Correspondent.
  • Programs: Conventional, FHA, VA, USDA, Jumbo, Conventional with LMPI, Refinance & Purchase.
  • Successfully deliver loans to investors: Agency & Correspondent.
  • Daily training & use of all Microsoft systems (Word, Excel, Outlook) and Empower.
  • Review & correct documents from borrowers.
  • Prep packages, contact processors, funders, title companies and borrowers to get corrections.
  • Deliver loans and complete multiple projects simultaneously within the deadlines given.
  • Data Analysis: Input and make sure data is correct in our system.
  • Final HUDS: Great understanding of Zero and 10% Tolerances, Principal Reduction, & amount cash back to borrowers on certain program types.
  • Started off in Processing for the first 5 months until I got a promotion to be a Closer.

Education

Bachelor's Degree of Science - Sociology, Psychology Minor

Montana State University
Bozeman, MT
12.2010

Associates Degree -

Orange Coast College
Costa Mesa, CA
12.2007

Skills

  • Pricing strategy and analysis
  • Risk management
  • Data analysis and analytical thinking
  • Written communication skills
  • Quick learning ability
  • Hedge management
  • Investor relations and engagement
  • Team collaboration and effective communication
  • Attention to detail
  • Problem solving strategies
  • Loan servicing expertise
  • Strong work ethic

Hobbies and Interests

Coached Football for Saddleback Valley Pop-Warner (2006-2008, 2010-2015)

Affiliations

  • Likes to play multiple sports - Flag Football, Softball, Pickleball, and volleyball.
  • Fun outdoor activities with my son
  • Working out
  • Contractor for moving companies

Accomplishments

  • Defensive Player of the Year 2005
  • Earned Football Scholarship to Montana State University
  • Sirius Award from Loan Simple - Top Performer

Timeline

Senior Trader- Best Efforts

Maxwell Financial Services
05.2022 - 05.2025

Head of Secondary

Loan Simple Inc.
07.2021 - 04.2022

Servicing

Loan Simple Inc.
01.2018 - 04.2022

Lock Desk

Loan Simple Inc.
10.2017 - 07.2021

Post-Closer/Team Lead

Loan Simple Inc.
12.2015 - 01.2019

Post-Closer

Zions
04.2015 - 12.2015

Shipping Specialist

LoanDepot
09.2011 - 01.2015

Bachelor's Degree of Science - Sociology, Psychology Minor

Montana State University

Associates Degree -

Orange Coast College

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Matthew Harris