BRIAN W. SMITH

*** *. ***** **.

Gilbert, AZ ****6

480-***-****

ac77p6@r.postjobfree.com

PROFESSIONAL: SAFE Act License

EMPLOYMENT:

The Money Source

Wholesale Underwriter February 2018-January 2019

Responsible for complete underwriting form initial through final conditions. Thoroughly communicate all decisions verbally and written to all parties involved. Loan restructures and re works. Organization of documentation within file. Dailey prioritization to maintain ultra-competitive turn times. Working knowledge of all company policies and procedures to maintain highest quality standards. Please note this is currently a remote position so self-reliance and time management skills are critical and required. FHA/VA exposure.

Bank of America

Vice President/Sr. Underwriter March 2015-October 2017

Responsible for reviewing initial underwriting files and final conditions. Maintained extensive knowledge of loan programs. Analyzed risks after thoroughly reviewing and verifying customer documents, prior to making an appropriate decision in accordance with company policies and regulatory guidelines. Communicated with processors to attain missing documentation needed to complete requirements, as stipulated on the commitment. Minimized turnaround time by prioritizing and working efficiently. Improved upon my problem-solving and negotiation skills.

Vice President/Fulfillment Team Leader February 2008-February 2015

Responsible for the leadership and growth of a team of eight to twelve associates. Supervised a team to achieve rigorous quality and production goals. Informed associates how their work fits into larger processes that impact our customers and shareholders. Managed at an elevated level, maintaining awareness of processes and team results. Mortgage underwriting authority. FHA/VA experience.

HSSII/Loan Specialist May 2005-February 2008

Established and maintained relationships with branch managers and account executives, in regards to loan status, signing and funding. Maintained current knowledge of loan program guides to ensure loans are processed in accordance with the Truth in Lending Act. Prepared loans for underwriting and funding, by calculating income and ordering the appropriate closing documents, including appraisals and flood certificates.

Mortgage Loan Officer/Account Executive September 2004-May 2005

Daily prospecting for new business, through cold calling and networking. Increased sales to existing customers and met company goals, by continuously maintaining relationships and building referral business. Analyzed client needs and recommended financial solutions, by preparing home owner loan proposals to present to the client. Contacted clients to inform them of appropriate loan programs tailored to fit their needs. Engaged follow-up activities with prospective clients to ensure the loan process was as uninterrupted as possible. Assisted branch sales manager with loan documentation, loan packaging, disbursement of proceeds and audit.

EDUCATION:

Mount Wachusett Community College, Gardner, MA

Associates Degree, Liberal Arts and Sciences

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