Danny Haddad is seeking a challenging career where he can utilize his skills, innovative thinking, education, and extensive experience in finance and business operations management. He has over 15 years of experience in roles of increasing responsibility at major banks like Bank of America and Countrywide Home Loans, where he excelled as an underwriter, manager, and business operations leader. Haddad aims to contribute his strong work ethic, problem-solving abilities, and dedication to growth and excellence.

1. Danny W. Haddad
552 Staley Ave
Hayward CA 94541
dhaddad101@gmail.com
Phone: (480) 773-5095
Objective
Seeking a challenging and exciting career which will utilize my skills, innovative way of thinking, education and
experience. Looking to assist a team where my energy and positive outlook could be of exceptional contribution.
Job security and growth opportunity is of most importance to me as I am seeking a long-term career and intend on
growing within your organization.
Experience 2015-Current VAS Security Systems, Inc. Hayward/Home
Business Operations Manager/Sales
 Improved the operational systems,processes and policies in support of
organizations mission. Specifically, supported bettermanagement reporting,
information flow and management, business process and organizational planning.
 Managed and increased the effectiveness and efficiency of Support Services
(HR, IT and Finance), through improvements to each function as well as
coordinated and communicated between support and business functions.
 Played a significant role in long-term planning, including an initiative geared
toward operational excellence.
 Oversaw overall financial management, planning, systems and controls.
 Managed agency budget in coordination with the CEO’s standards.
 Developed individual program budgets.
 Invoiced to funding sources,including calculation of completed units of service.
 Managed payroll management, including tabulation of accrued employee
benefits programs.
 Originated and finalized sales for company including job walks and product
training seminars on all security camera and home alarm systems.
2012-2015 Bank of America Corp MyWork/Home
Officer/Policy Execution/Business Control/Manager
Was hand selected/promoted to fill this role amongst hundreds of subject matter
expert underwriters across the United States at Bank of America to assist with
giving direction on decision making methodologies by utilizing bank guidelines
and advanced business judgment. All one-off scenarios for workout programs and
policy execution exceptions were sent to a team of only 10 to execute
exceptions/decisions when an underwriter or manager could not.
Resolved discrepancies and helped clarify issues with bank and government
policies with all lines of business including Fannie Mae, Freddie Mac, VA/FHA,
SFO and many special loan programs on a daily basis.
eamLeader’s right hand man for all investors on all topics, concerns and
escalations. Assist/train newand existing team members with weekly
changes/updates with the banks program procedures on daily JUMP calls.
Created a faster, more efficient process for customer, underwriter and company
all togetherby assisting underwriters with making business decisions.
Mitigated loss for company by working in a department designed to keep process
flowing efficiently but most importantly making quality decisions supported by
bank policy.
Assisted team leader with special projects which involved aligning gaps and
discrepancies between program procedures, desktop procedures and underwriter
job aides to keep all guidance’s consistent in an effort to prevent confusion and
escalations downstream.
Was chosen amongst team to assist on several calls with unit leads/vice
presidents and executives to help explain and resolve issues with guidance
discrepancies and systemissues to create a more smoother and accurate process for
underwriting.
One of the head members on audit committee to review and score other team

2. members quality and action plans to ensure accuracy and consistency.
2010-2012 Bank of America Corp Chandler, AZ
SME- Mortgage Underwriter
Reviewed and made a fair, fast and final decision on loan modification
underwrites by analyzing the customers’ ability and qualifications based on
hardship, income and credit. 
Managed a pipeline of nearly 250 MHA loan modifications for underwriting.
Assisted Mgmt with special projects, meetings and escalations on a consistent
basis. 
Chosen as subject matter expert and was selected to audit files for team and on
occasion all site during special projects for the U.S. Treasury annual audit.
Consistently a Top Performer in production while maintaining the best quality
audit scores. Nominated and recognized by Senior Executive for my overall
performance in the Loan Modification Dept. each year.
Was selected among team to fill in for team manager while on vacation for a
period of 1 month as point of contact on all matters. Attended meetings with VP
and otherunit managers on special topics.Coordinated team huddles to cover
important topics that needed to be rolled out immediately. Assisted teamwith audit
rebuttals and all guideline scenarios/questions.
2009-2010 Bank of America Corp Chandler, AZ
SME- Sr. Short-Sale Negotiator
 Assisted in the short-sale process by collecting proper documentation and value
certification for short-sale packages.
Communicated with ATP and or realtor by completing welcome calls and
requested docs needed for transaction while negotiating potential declines and
foreclosure sale postponement fee’s to mitigate loss.
Was Top Performer among 120 Short Sale Negotiators almost every month in
my region.
Assisted uppermgmt with highly escalated files from SVP by offering a world
class customer experience and turning complaints and escalations into a great
experience and satisfied customer.
2008-2009 Bank of America Corp Simi Valley, CA
SME- Foreclosure Post-Sale Gov
Managed a portfolio of 160 government funded mortgages per month that have
been foreclosed and conveyed back to HUD.
Responsible for following up with bids submitted by BACFSC to HUD in order
to bring property to preservation/conveyance condition perHUD guidelines.
Responding and generating an average of 100+ emails to all related parties
including Eviction’s Team, Foreclosure attorney’s and Property Preservation on a
daily basis in order to meet deadlines and convey property to HUD per guidelines
and department policy.
Assisted management in maintaining the department’s DTC report in order to
assure conveyance’s timely and avoid curtailments that were preventable.
Worked diligently with the team and team leaders to meet department goals
while handling the largest portfolio amongst the team with Top Performer status,
while maintaining a score card average of 98 - 100% accuracy on a monthly basis.
2006-2007 HSBC Financial Scottsdale,AZ
Mortgage Underwriter II
Granted or denied full underwrite loans to individuals who are trying to refinance
or purchase a home, by analyzing there credit, collateral, and ability to repay each
loan.
Had loan authority of making loans to individuals up to $350,000 without second
signature or review. Was also allowed to make counter offers without review or

3. second signature.
Accountable for quoting pricing and rates to account executives who were out in
the field at broker shops around the United States. Was labeled as the expert on
team with product, guidelines and pricing knowledge and was made the “go to
guy” for account executives to direct all underwriting questions and guideline
concerns to.
After being with the company for only thirty days,I was quickly advanced and
offered loan authority of $250,000 which is typically not offered until 1 year from
hire date.
Countrywide Home Loans West Hills, CA
Underwriter II
Granted or denied loans to individuals who are trying to refinance or purchase a
home, by analyzing there credit, collateral, and ability to repay each loan.
Had loan authority of making loans to individuals up to $250,000 without second
signature or review.
Supervised a team of fifteen individuals for a period of seven months under a
special assignment. Special assignment was a night shift position that was
developed and decided by the VP of Subprime Dept. Tasks included supervising a
team of RVU techs and assisting in developing strategies for faster more efficient
ways to complete RVU’s and research for underwriters.
 Was responsible for handling Countrywide’s underwriting information hotline
were brokers could call and ask specific questions regarding Countrywide’s
guidelines, pricing, on-line underwriting system, and exceptions process.
2001-2003 Countrywide Home Loans West Hills, CA
SME- Re-verification of Underwriting Tech/Team Lead
Entering/updating data into several of Countrywide’s complex and diverse data
bases which required excellent knowledge of each data base and quick but accurate
typing skills.
Responsible for reviewing several underwriter’s research and input for complete
accuracy and thoroughness foreach loan.
Responded to all requests via email in assisting otherteam members and
management with issues orconcerns regarding the subprime department flow
process.
Assisted management with organizing and handling any issues with the subprime
file coordination room and handling process.
2000 - 2001 Washington Mutual Northridge, CA
Forgeries Department Division Clerk
Managed the identification of suspicious items and materials, examining
customer history, inspecting authentic and/or possible counterfeit material.
Notified customers over phone of suspicious activity and/orof fraud committed
to their account/s.
Utilized Washington Mutual’s examination systemfor signature verification and
legitimacy compared to signature cards placed on file in each individual branch for
fraudulent activity.
Maintained a friendly and healthy working environment with co-workers and
management to achieve daily goals and objectives.
Education Sunnyslope High School – Graduated in 1999
Santa Monica College – 1999-2001 Sociology
Pierce College – 2001-2004 Business Law
References
John Jake Morris Mortgage U/W Manager 1-877-430-3413 ext 23426
Jose Uscanga VP, Team Lead Cons U/W 480-755-6274 ext 39861
Brian Zamani AVP FCL MLO-Unit Leader 805-306-8274
Alicia Winters MLO-UNIT LEADER 1 805-520-5356
Tina Barber Short Sale Team Manager 480-457-3312