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Coppell, TX

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Coppell, TX

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Bedford, TX

BRENDA CASANOVA

Summary

Self-motivated Mortgage banking professional offering strong communication and quick thinking. Focused on maintaining high levels of accuracy and efficiency, as well as achieving company goals. Strategic leader and creative problem-solver seeking a challenging new position with a progressive organization. Skills

Quality Assurance

Critical Thinking

Problem Solving Organizational

Building Effective Relationships

Conducts self as a professional.

Analytical Skills

Decision Making

Detail Oriented

Experience

Senior Underwriter FHA D.E. & VA CREDIT

Stearns Lending

Complete a thorough analysis, with high degree of attention to detail of complex loan documentation, including appraisal reports, compliance inspections, credit reports, verifications, bank statements, tax returns and financial statements.

Ensured compliance with federal agencies including HUD, and VA Investor Reporting FNMA, Collections, Foreclosures, Deed in Lieu Process

Quality Control Audits and workflow reconciliations Production reporting within the established due dates Experience using LP, DO/DU and other AUS Verify financial ratios and credit reports ensuring completeness of application information Comprehensive knowledge of FHA/ FNMA/FHLMC and VA guidelines and standards review, analyze and calculate qualifying income documentation from personal and business tax returns, property, credit, and assets/cash to close Proven ability to handle multiple projects and meet deadlines. Good judgment with the ability to make timely and sound decisions. Ability to build and sustain relationships with staff and branch personnel Senior Direct Endorsement FHA Underwriter

imortgage.com Inc.

Skilled in Manual underwrites with review of eligible compensating factors. Decision a full range of mortgage loans, FHA, VA, MCC, USDA, BONDS. Approve or deny loans based on investor or agency loan guidelines and overlays. Advanced 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 risk analyzed customer Ability to review, analyze and calculate qualifying income documentation from personal and business tax returns, property, credit, and assets/cash to close Communication to sales and processing on daily basis to notify of loan status. Following investor guidelines, receive and review loan applications and documentation to ensure Lending Manager / Sr. FHA Underwriter Quality Mgr

Wells Fargo Home Mortgage

Training material and lesson plans created to be used in mentoring team members for guidelines and overlays

Team Mentor - Conducted weekly meetings for Q&A's;A's from team members Managed a team of 7 full TX H: 682-***-**** C: 682-***-**** ac7z6l@r.postjobfree.com Irving, TX, United States

time employees.

Completed training for my team 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 Meet underwriting production goals as established in cooperation with the Manager Led audit of foreclosure reviews from attorneys with Wells Fargo Bank foreclosures. Managed team of 10 members.

Conducted Site Audit Reviews with law firms requesting missing documentation. Approve or deny loans based on investor or agency loan guidelines and overlays. Senior Mortgage Underwriter FHA D.E. 2005 Wells Fargo Home Mortgage Maintained Daily Production Goals and 90% Quality reviews Evaluate the 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

Loan Closing, Funding Ensure compliance with federal agencies including FNMA, FHLMC, HUD, and VA Understanding and Solid knowledge of mortgage underwriting policies, guidelines, AUS findings and seasoned on manual requirements. Credit & Income Analysis Quality Assurance Manager / Senior Underwriter Wells Fargo Home Mortgage Led audit of foreclosure reviews from attorneys with Wells Fargo Bank foreclosures. Managed team of 10 members. Conducted Site Audit Reviews with law firms requesting missing documentation.

Specialized in bankruptcy laws, regulations and language. Approve or deny loans based on investor or agency loan guidelines and overlays.

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 salability and agency and regulatory compliance Exceptional Subject Matter Expert, utilized in side by side training of new hires Maintained daily production goal of 4-6 files daily

Education and Training

North Lake College

Real Estate Finance/Law North Lake College

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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