Brett K. Hyde, M.B.A Senior Loan Officer

**** ******* ****** **** *****, TX 76107

817-***-**** abh6no@r.postjobfree.com

Analytically-Minded Loan Officer and business owner...with a proven track

record of: exceeding aggressive performance metrics within highly visible

firms and in-depth knowledge and practice of underwriting as well as

pricing metrics and options for various insurance companies. Possess

extensive knowledge of risk management protocols and familiarity with FHA

and HUD guidelines. Over 11 years experience working within the mortgage

and lending industry originating, and processing closing mortgage loans.

Software Proficiency include: Experienced in MS Word & Excel; proficient in

Calyx Point & ACT Software.

A

reas of Expertise

Mortgage Business Operations High-Level

Underwriting Management Sales

Proficiency

Risk Integrity-Based New Business

Management Selling and Marketing Development

Sales & Staff Training Strategic

Marketing & Leadership Partnership

NAMU certified as a Master Mortgage Underwriter

NAMU certified in Commercial Underwriting and Processing

FHA DE Underwriter and Processor certified with Diehl and Associates

Exceptional Math, Analytical, Time Management and Organizational skills

Consistently maintain exemplary numbers in quarterly / annual budget and

sales goals

Articulate and Collaborative Communicator with exceptional written and

verbal skills

Professional Experience

Mortgage Underwriting & Loan Originating Experience

Determined borrower risk and evaluated loan quality by prequalifying

potential customers and clients, procuring proper documentation, and

analyzing risk ratio and other complex financial data. Continually met and

exceeded annual mortgage loan productions metrics.

. Analyzed and reviewed pertinent documentation to decision loans; those

items included: initial loan application, credit reports, income

documentation, IRA's, bank statements, trust documentation, tax returns,

titles and appraisals.

. Experienced in prime and subprime, purchases or refinances of FHA, VA,

conventional, construction, home equity and reverse mortgages.

. Coordinated and assisted in the processing and closing of mortgage loans.

. Reviewed residential loan files from inception to closing to verify that

the application data was complete and met company's standards including

income calculation, DTI, LTV and CLTV ratios, titles and appraisals.

. Called and prequalified current customers to refinance or purchase

residential mortgages.

. Investigated, verified and validated supporting income, asset and

liability documentation to ensure validity.

. Analyzed financial stability of large corporations.

. Contacted current customer base to originate new lines of credit.

. Trained new loan officers in origination and mortgage loan

prequalification.

Licensed in Property and Casualty Insurance

Licensed in Life and Health Insurance

Sales and Marketing

Cold-called new business development prospects using a consultative sales

approach and then tailoring solutions for a profitable partnership.

. Managed contact with potential customers; solicited and oversaw sales of

products; delivered purchased products to clients.

Brett K Hyde,

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. Connected with potential customers and quoted, booked and serviced life

insurance, homeowners and auto insurance policies.

. Aggressive cross-sale of products that positively benefits customers and

end-users

Networking

. Developed, established and maintained a solid referral network with

builders, bankers, real estate agents, mortgage loan officers, auto

dealerships and other sources; proactively developed, managed and built

database of professional contact for future opportunities.

. Developed, established and maintained relationships with new and current

borrowers to promote a continuous and prosperous business relationship.

. Attracted new mortgage loan applications by developing relationships

within the community; specifically with real estate agents, builders and

current and prospective customers.

Operations Management

. Maintained the financial responsibilities of the corporation. Prepared

and distributed invoices to current customers.

. Connected with customers to procure and process initial payments.

. Managed company payroll, as well as the balance sheets for all company

expenses.

Leadership & Training

. Trained, mentored and managed loan originators and loan officers on

company policies and the benefits of our products and pricing.

Work History

H&H FIERY SNACKS, LLC ( Fort Worth, TX ( Feb. 2012-Oct. 2014

Co-Owner

FARMERS INSURANCE GROUP ( Fort Worth, TX ( Jan. 2011-Dec. 2011

Insurance Agent

RESOURCE LENDING GROUP( Dallas, TX ( Oct. 1998-Nov. 2009

Co-Owner/Senior Mortgage Loan Officer/Treasurer

CONSUMER ONE FINANCIAL ( Dallas, TX ( Apr. 1998-Sept. 1998

Mortgage Loan Officer

NATIONS CREDIT ( Irving, TX ( Feb. 1997-March 1998

Mortgage Loan Officer

TANDY CORPORATION ( Fort Worth, TX ( Sept. 1996-Dec. 1996

Credit Analyst

Education & Development

Master of Business Administration ( University of Texas at El Paso ( 2002

Bachelor of Science, Finance ( Texas Wesleyan University

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