BRENDA CASANOVA

Euless, TX *****

ad47gl@r.postjobfree.com / 682-***-****

WWW: Bold Profile

SUMMARY

Seasoned Mortgage banking professional offering strong communication and quick thinking. Focused on maintaining high levels of accuracy and efficiency, as well as achieving company goals. An experienced strategic leader and creative problem-solver seeking a challenging new position with a progressive organization. Seasoned FHA, VA, Conventional,, USDA, Jumbo and Portfolio Underwriter. FHA Chums

VA SAR Underwriter

Produces quality work meeting company objectives and deadlines. Develops and maintains long-term relationships with internal staff ensuring efficient and effective underwriting. Internal Audit experience with Reps/Warrants.

• USDA Certified

• Strong FHLMC & FNMA Automation experience

• Strong Credit, income, asset and collateral review skills

• FHA Connection, LexisNexis, Core Logic, Word, Adobe, Encompass

• Auditing/Compliance Analyst skills

• Tax Return Analysis

SKILLS

Real Estate Law

Construction Knowledge

Title Research

Residential Real Estate

Market Analysis

Property Marketing

Leasing

Credit Analysis

Documentation Review

Income Verification

Market Knowledge

Creditworthiness Determination

Credit History Review

Attention to Detail

Property Evaluation

Loan Processing Coordination

Income Evaluation

Self Employed Analysis

Qualifying ratios review

Manual Underwriting

Income verification

Automated Underwriting System (AUS)

Decision-Making

Problem-solving abilities

Team building

Teamwork and Collaboration

Analytical Skills

Time Management

Loan Underwriting

Loan Processing Team Lead

Appraisal Property Review

Property Approval

EXPERIENCE

Texas Licensed Real Estate Professional / Self Employed Services - Euless, TX 01/2023 - Current Assisted clients with the purchase or sale of residenti properties. BC

Developed marketing strategies for property listings including online advertising campaigns. Negotiated contracts and agreements between buyers, sellers, and other parties involved in real estate transactions.

Managed client inquiries regarding rental availability, lease terms and conditions. Attended networking events to build relationships with industry professionals such as attorneys and mortgage brokers.

Organized open houses and other events to showcase properties to potential buyers. Provided guidance to buyers on how to obtain financing options from lenders. Gathered feedback from customers after completion of each transaction in order to improve services provided. Followed up with past customers periodically in order to maintain long-term relationships. Coordinated home inspections and appraisals with third-party vendors. Updated listing information on websites like Zillow and Trulia regularly in order to maximize exposure of properties listed.

Maintained accurate records of all transactions throughout the entire process of buying and selling a property. Conducted comparative market analysis to estimate properties' value. Communicated regularly with clients through phone calls and emails about progress of their transactions. Drafted contracts, purchase agreements, closing statements and leases. Provided client guidance regarding market conditions, mortgage options, and legal requirements. Coordinated property tours and communicated with buyers to assist with inspections and appraisals. Identified potential buyers through cold calling.

Developed and presented purchase offers to sellers for consideration. Liaised between sellers and buyers for profitable and efficient sales. Mortgage Underwriter / First United Bank & Trust - Plano, TX 12/2020 - 12/2022 Requested additional information for applications and documents when necessary. Collaborated with loan originators and processors to correctly review and assess applications and risks. Determined loan eligibility and approved or rejected applications. Maintained compliance with company and regulatory policies. Analyzed loan risk and reviewed loan conditions and requirements. Delineated reasons for application approvals and rejections. Reviewed and evaluated loan applications and supporting documents. Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.

Evaluated loans against portfolio and investor guidelines. Researched applicant employment and financial histories to confirm document accuracy. Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines. Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment. Issued clear written conditions for approval of mortgage loans. Senior Mortgage Underwriter / Gateway Mortgage Group - Dallas, TX 08/2019 - 12/2020 FHA, VA CREDIT, USDA AND CONVENTIONAL ASSIGNED LOAN CREDIT, INCOME AND ASSET REVIEW ACCORDING TO AGENCY GUIDELINES Property Reviews issuing FHA Conditional Commitments Maintain Daily underwriting quotas as assigned by management Meet all Service Level agreements set forth by manager Communicated with all applicants and internal team members to discuss identified conditions needed for approval. Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial. Evaluated mortgage loan risk based on sound underwriting decisions. Determined loan completeness and accuracy by thoroughly analyzing credit documents, including mortgage applications, income documents, appraisals and property valuations. Income Tax Specialist Self Employed / Tax Pros - Haltom City, TX 01/2019 - 12/2020 Approved and Certified to complete IRS returns

Customer Service skilled

Commissioned based income

Generated New Clients

Sr. Mortgage Underwriter Remote / First Savings Bank - CLARKSVILLE, IN 02/2019 - 08/2019 Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment Proven Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements

Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality

Thoroughly completed FHA, VA CREDIT AND USDA loan reviews to meet guidelines as well as FNMA AND FHLMC

Senior Mortgage Underwriter FHA / VA / Stearns Lending - Lewisville, TX 10/2017 - 10/2018 Complete a thorough analysis, with high degree of attention to detail of complex loan documentation Ensured compliance with FNMA/FHLMC agencies including HUD, and VA for accurate Investor Reporting Quality Control Audit checks for compliance with AUS FINDINGS Production reporting within the established due dates Verify debt and income ratios

Proven ability to meet deadlines

Resolved conflicts and negotiated agreements between parties in order to reach win-win solutions to disagreements and clarify misunderstandings

Conducted analysis to address defects which led to reduced investor findings Senior Direct Endorsement FHA Underwriter / imortgage.com Inc. - Coppell, TX 11/2015 - 02/2017 Skilled in Manual underwriting including complex loan reviews Consulted with sales to offer loan solutions for difficult files Able to maintain pre-fund quality control errors below 5% Decision a full range of mortgage loans, FHA, VA, MCC, USDA, and BOND loans Approve or deny loans based on investor or agency loan guidelines and overlays ensuring data accuracy Complex income, cash-flow analysis of Individuals, S-Corps, Partnerships, Rental Properties, and Trusts Restructure loans recommended for denial and present counter offer options that are compliant with guidelines and remaining at an acceptable level of risks

Proactively manage assigned pipeline to meet daily required production set by management 07/1998 - 09/2014

Lending Manager / Sr. FHA Underwriter Quality Mgr.. / Wells Fargo Home Mortgage - Irving, TX Completed training for team members to achieve daily productions set by upper management Proven history of developing strong relationships with customers and team members Lead by example and participate as an effective member of Management Mentor and trained processing staff to underwrite and condition loans within a specified scope Ensured accurate, thorough and equitable completion by consistently utilizing applicable audit checks Met underwriting production goals as established in cooperation with the Manager Managed team of 10 Underwriters, cultivating positive atmosphere and instilling model of dedication Conducted employee one-on-one meetings to evaluate performance, resolve issues and provide job coaching Ensure underwriters are verifying all documentation with regards to income, credit, appraisal and title information.

• Review files, which have been suspended by underwriters before denial process.

• Train branch/division staff on underwriting and doc requirements.

• Decision files that are exceptions to the guidelines

• Leads, coaches, supports, and motivates Mortgage Underwriting team to achieve underwriting, service, and operational goals

• Partner with RE sales and operations for increased collaboration, communication and process improvement

Senior Mortgage Underwriter / Wells Fargo Home Mortgage - Bedford, TX Senior Mortgage Underwriter FHA D.E. 2005 Wells Fargo Home Mortgage Met Daily Production and Pre fund Quality control errors set by company Evaluate credit history, employment history, and financial status of mortgage loan files to determine credit worthiness in compliance with the guideline requirements Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Non conforming

Ensure compliance with federal agencies including FNMA, FHLMC, HUD, and VA Understanding Solid knowledge of mortgage underwriting policies, guidelines, AUS findings and seasoned on manual requirements

Quality Assurance Manager / Senior Underwriter Wells Fargo Home Mortgage Led audit reviews from attorneys with Wells Fargo Bank foreclosures Managed team members

Conducted Site Audit Reviews with law firms requesting missing documentation Senior Mortgage Underwriter Wells Fargo Home Mortgage / Sr. Processor / Mortgage Closer / Wells Fargo & Company

Participated in Mortgage Closings, preparing of closing packages worked closely with New Construction loans Conventional, Bond, FHA and VA loan submissions in accordance with underwriting guidelines to ensure investor and agency and regulatory compliance, including Non Conforming Jumbo loans Exceptional Subject Matter Expert, utilized in side by side training of new hires Maintained daily production goals Approve or deny loans based on investor or agency loan guidelines and overlays EDUCATION AND TRAINING

North Lake College - Irving, TX, United States

Real Estate Finance

Continuing Education Attending Real Estate Courses for Texas Real Estate License ACTIVITIES AND HONORS

Awarded Top 20% Fulfillment Leader with Wells Fargo in 2013. Awards from Sales partners for assisting in difficult files and rush files. Customer Service Awards for 90% and better customer service. Quality Star letter for no errors found in files underwritten Awards from Sales partners for assisting in difficult files and rush files

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