Mario Borkowski
Phoenix
Summary
Experienced mortgage and banking professional with 12 years in the mortgage sector and 18 years in banking, including 5 years in management. Specializes in loan product guidelines and investor requirements while navigating regulatory and economic factors that influence lending. Effectively communicates and drives strategic initiatives.
Overview
21
21
years of professional experience
Work History
Underwriting Specialist
Yrefy LLC
Scottsdale
09.2025 - Current
- Evaluated loan applications for creditworthiness and compliance with company policies.
- Analyzed financial information including credit reports, tax returns, bank statements and other documents.
- Collaborated with team members to streamline underwriting processes and enhance efficiency.
- Trained new staff on underwriting procedures and best practices for accuracy.
- Participated in training sessions designed to enhance knowledge base in the field.
- Performed quality control checks periodically to ensure accuracy of data entry into systems.
Builder Account Manager
AZ Appliance & Home
Phoenix
02.2025 - 09.2025
- Achieved the fastest bid submission in company history for a new hire.
- Managed a portfolio of over 20 builder accounts, achieving a 25% increase in customer satisfaction through tailored service and proactive communication.
- Developed and executed strategic plans that resulted in a 30% growth in sales for assigned accounts.
- Collaborated with cross-functional teams to streamline operations and resolve client issues, leading to a 30% reduction in response time.
Tile Department Manager
Floor And Decor
08.2022 - 01.2025
- Increased Department Sales by a consistent 10% month over month.
- Collaborated with Store Manager to develop daily and weekly sales plans aligned with sales trends.
- Partnered with Department assistant manager and merchandiser to plan and execute floor moves, merchandise placement, and overall sales set-up.
- Coached and recognized sales associates to strengthen effective selling behaviors.
- Managed inventory and receiving operations to maintain optimal stock levels and meet expected demands.
- Recruited, interviewed, and hired employees; implemented mentoring program to enhance engagement and foster positive feedback.
Mortgage Underwriter IV
Loan Depot
12.2021 - 06.2022
- Managed jumbo underwriting pipeline of 2 initial Jumbo loans per day, in addition to resubmissions and final approvals
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Trained junior team members in underwriting procedures and loan quality grading standards. Part of special project for underwriters that were receiving higher than usual defects.
- Maintained 0% critical defect rating throughout my career with Loan Depot.
Senior Mortgage Underwriter
Better Mortgage
09.2021 - 12.2021
- Managed underwriting pipeline of 2-3 initial loans per day, in addition to resubmissions and final approvals.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with federal agencies such as FNMA and FHLMC.
Mortgage Underwriter III
Loan Depot
06.2020 - 09.2021
- Managed underwriting pipeline of 2 initial Jumbo loans per day, in addition to resubmissions and final approvals.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Verified integrity of applicants' information to minimize fraud.
- Monitored pipelines to track and log status of loans.
Underwriter II
US Bank Home Mortgage
08.2015 - 06.2020
- Managed underwriting pipeline of 2-3 initial loans per day, in addition to resubmissions and final approvals.
- Underwrote loan files to ensure they conform to all program and investor requirements.
- Loan products included Agency (FNMA & FHLMC), Jumbo, Non-conforming, Wealth Management, New Construction, Lot Loans and American Dream.
- Performed risk analysis of loan applications to ensure compliance with regulatory, investor, and US Bank guidelines.
- Documented loan decisions and conditions and communicated requirements/conditions with processors and Loan Officers.
- Reviewed and analyzed loans for special conditions, loan deficiencies, and required exceptions to determine appropriate course of action.
- Reviewed appraisals for one-to-four unit residential dwellings and mixed usage properties for applicants to determine property valuation based upon metrics provided by appraiser.
Mortgage Closer III
USAA Federal Savings Bank
09.2010 - 08.2015
- Prepare legal documents and ensure that all documents are signed correctly to avoid investor buyback.
- Coordinated daily communications with title, escrow, and law offices regarding loan status, ensuring all parties were prepared to proceed efficiently.
- Communicated loan status and information with Processors and Underwriters, enhancing member experience and ensuring timely processing.
- Achieved top 10% performance ranking through strong work ethic and meticulous attention to detail.
Consumer Lending Senior
USAA Federal Savings Bank
06.2005 - 09.2010
- Top 10% performer throughout consumer lending career.
- Evaluated loan applications to determine approval status based on qualifications.
- Consulted with customers to understand desires and suggest best products to meet needs.
- Delivered exceptional customer service by addressing inquiries and resolving issues promptly.
- Supported helpline for 18 months, guiding new teams through onboarding.
- Worked with team members to execute daily assignments and meet team targets.
Education
Associate of Applied Science - Computer Information Systems
Columbus State University
Columbus, GA05-1998
Skills
- Automated and Manual Underwriting
- Credit and Income Analysis
- Risk Assessment
- Cash-Flow Analysis
- Regulatory compliance
- Jumbo Loans
- Analytical Reasoning
- Attention to detail
- Effective communication
- Account management
Timeline
Underwriting Specialist
Yrefy LLC
09.2025 - Current
Builder Account Manager
AZ Appliance & Home
02.2025 - 09.2025
Tile Department Manager
Floor And Decor
08.2022 - 01.2025
Mortgage Underwriter IV
Loan Depot
12.2021 - 06.2022
Senior Mortgage Underwriter
Better Mortgage
09.2021 - 12.2021
Mortgage Underwriter III
Loan Depot
06.2020 - 09.2021
Underwriter II
US Bank Home Mortgage
08.2015 - 06.2020
Mortgage Closer III
USAA Federal Savings Bank
09.2010 - 08.2015
Consumer Lending Senior
USAA Federal Savings Bank
06.2005 - 09.2010
Associate of Applied Science - Computer Information Systems
Columbus State University