BRIAN P. RUGG

**** ********** **. ******** *******, CO 80920 719-***-****

STATEMENT OF QUALIFICATIONS

A results oriented professional with proven experience and expertise in credit risk, underwriting,

underwriting management, and risk management. My problem solving skills, customer focus, and

attention to detail have always been of benefit to the client and to my employer.

EDUCATION

University of Colorado - MBA /Finance 2016

University of Colorado - BA - 2007

WORK HISTORY

• Asst. VP/ Senior Portfolio Lending Mgr 2013- Wells Fargo Home Lending

• Underwriter 5/Portfolio Credit Office 2008- Wells Fargo Home Lending

• Risk Management Analyst/QA 2006- Lehman Brothers Bank, DBA Aurora Bank

• Senior Underwriter/Lending Mgr 2003- Wells Fargo Consumer Credit

Group

• Underwriter 2001- Wells Fargo Consumer Credit Group

UNDERWRITING MANAGEMENT

• Senior Credit Officer and mentor for 800 lending managers and underwriters nationwide

in the Home Equity Portfolio Lending Division.

• Lead a staff of senior underwriters and lending officers with the highest level of lending

authority in the Portfolio Credit Division

• Granted underwriting authority up to $2,500,000.00 and executive level exception

authority.

• Act as second level review for Affluent Underwriting Group; specifically catering to

banking clients with deposit relationships >$1,000,000.00.

• Provide guidance to senior management regarding credit policy trends, recommendations

for adjustments and updates to credit policy, and underwriting authority.

• Reverse portfolio credit decisions where necessary; ensuring corrective action on

exceptions and problems; reviewing related operations for adherence to procedures.

• Conduct training on credit policy, risk assessment analysis, exception and decision

methodology, and tax return analysis.

• Specialize in portfolio lending, super jumbo, non-conforming, and home equity products.

Additional underwriting experience in conforming, sub-prime, and FHA.

UNDERWRITING RISK MANAGEMENT

• Extensive experience manually underwriting complex and escalated loans.

• Review requests for decision overrides, policy exceptions and escalated issues related to

portfolio and portfolio home equity products.

• Monitor first payment and early payment defaults for loss delinquency and fraud.

• Concentrated investigations on specific loan portfolios for wholesale and correspondent

lending; determine loss and fraud trends that could negatively impact business.

• Review all loan repurchase requests from investors that would warrant repurchase of

suspect loan transactions with internal and external loan portfolios.

• Analyze fraud findings to determine extent of fraud and level of risk.

• Coordinate reports for senior management; reviewing and analyzing trends in current

population distributions; recommends procedural changes to prevent/mitigate loss.

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