Sales Life Insurance
Resume:
BRENLEY D. GAGNON
Hemet CA 92545
*******@********************.***
Career Summary: A highly organized and consistent individual who can quickly comprehend complex
scenarios. Currently seeking to utilize the years of underwriting, account management and managerial
experience in a suitable position with the mortgage / real estate field.
Experience and Abilities
Updating work colleagues on business performance, new initiatives and related issues.
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Decision making and problem solving
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People management.
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DU & LP proficient
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Fannie, Freddie proficient
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Skilled with FHA, VA, Conventional, Jumbo, super Jumbo loans.
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Retail, Wholesale & Correspondent Loans
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DU REFI Plus 105, 125
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Harland Financial Software E3
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Blitz Docs (software)
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MORTRAC, CITRIX Applications
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LEXIS NEXIS, Lotus Notes, People Soft Applications
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Fraud Guard & Wasabi Software.
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Processor skills (all loan types)
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Cost control, budget control and financial management.
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Underwriting in residential, commercial.
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Accuracy and attention to detail.
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Ability to work as part of a team.
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Known for strengths in risk assessment, income/credit analysis, taxes and documentation review
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Effective administrative procedures.
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Outstanding oral and written communication skills.
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Leadership skills.
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Career History
Account Executive
Motive Lending
August 2014 - Present
Develops and maintains wholesale mortgage loan production for FHA, USDA, VA, and
portfolio loan products. Calls on potential or existing customers as assigned to develop new
business or retain existing business. Acts as a liaison between wholesale broker and loan
operations.
• Contacts and sets appointments with new and existing wholesale mortgage brokers
• Advises brokers of changes to company policies and procedures
• Assist broker with loan submission process. Pre underwrites all files to ensure compliance.
• Trains brokers on use of available online systems
• Manages loan pipeline to achieve departmental goals and objectives
• Ensures compliance deadlines are met. Reviews all files for credit worthiness
Regional Sales Manager
Bankers Xpress
April 2014 – August 2014
Currently responsible for hiring new Account Executives within the Inland Empire, Los
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Angeles, Orange County and Bay Area and cultivating new wholesale (TPO) business
In charge of improving monthly funding and ensuring company production goals are met
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and or exceeded
Implement new marketing strategies and advertising for the company
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Visit “Broker” Offices and meet with brokers and loan officers
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Ensure broker packages and all documents needed are complete
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Explain to brokers all RESPA, FHA, Conventional requirements
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Be proficient in all Bankers Xpress Programs, and be able to explain and structure broker
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loans as needed
Provide monthly progress reports of loans submitted and potential funding statuses.
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UNDERWRITER / AUDITOR
INTERTHINX
SEPT 2012 – JAN 27, 2014
SANTA ANA / ORANGE COUNTY California
Quality Control Auditor with emphasis on FHA, VA and Jumbo loans. Nov 2013 Jan 27 2014
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Worked with the following Banks: IMortgage, Loan Depot, BBVA Compass, Pacific Union Financial,
Academy Mortgage Corp,
Worked as a “Live Contract Underwriter” for Flagstar Bank May 2013 – Nov 2013
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Worked as a “Live Contract Underwriter” for Stonegate Mortgage Oct 2012 – Apr 2013
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worked on RETAIL, WHOLESALE & COROSPONDANT Loans
Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength
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of borrowers to determine risk and repayment capacity.
Demonstrated excellent follow-through with borrowers, loan processors, loan originators and
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management throughout all phases of the underwriting process.
Leveraged knowledge of loan products to help restructure turned-down loans for subsequent
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approvals. Maintained compliance with lending, underwriting and government requirements.
BROKER / SALES AGENT / UNDERWRITER
SEA COAST CAPITAL GROUP
2008 – SEPT 2012
HEMET / ORANGE COUNTY California
Responsible for marketing company programs and products.
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Responsible for ensuring all employees, agents, independent contractors are trained and in full
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compliance with state, local laws, FHA, Fannie and Freddie guidelines.
Creating a strong environment and organizing brainstorming sessions where ideas can be generated
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from all “workers” that will allow all to meet and our exceed company goals of production.
Underwriting all applications to ensure smooth transition.
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Review, examine and underwrite loans to ensure soundness, business value and compliance with
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investor standards.
UNDERWRITER / PROCESSOR
CONTRACT WORK FOR MISC. LOAN OFFICERS
2010 - 2012
RIVERSIDE / ORANGE COUNTY/ BAY AREA California
Perform final approvals and reviewing entire loan file through verifications process, including
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adherence to multiple investor guidelines and compliance.
Underwrite loan files to determine compliance with company, investor and FHA guidelines.
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Independently performed financial analysis on borrowers.
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Ability to assess an individual’s credit-worthiness while adhering to all regulatory and
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compliance requirements.
ACCOUNT EXECUTIVE
NDFC
2009 - 2010
ORANGE COUNTY California
Initially hired to work as an Account Executive recruiting new “brokers” to fund all loan types
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through the company.
Started to underwrite and process all loans for new brokers to be in compliance with all
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regulations for FHA, Fannie, Freddie and 1-4 unit properties.
Implement new marketing strategies and advertising for the company
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Visit “Broker” Offices and meet with brokers and loan officers
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Ensure broker packages and all documents needed are complete
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Explain to brokers all RESPA, FHA, Conventional requirements
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BROKER / SALES MANAGER / UNDERWRITER
Sea Coast Realty & Finance
2003 - 2008
Orange County / Riverside, California
Responsible for all duties as Broker of current company, for all quality control and DRE
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compliance, in charge of all agents for training and underwriting.
Responsible for maintaining relationships with all new and past clients and ensuring all loans are
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processed and underwritten per lender guidelines.
VICE PRESIDENT / SALES MANAGER / UNDERWRITER
First Option Homes and Loans
2001 - 2003
Corona, California
Responsible for underwriting all commercial and residential loans within the pipeline to ensure
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proper fit per each “lenders” guidelines.
Review and re-underwrite and QC all loans to ensure these loans are in full compliance with
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local, state, FHA, Fannie or Freddie guidelines.
VICE PRESIDENT / LOAN OFFICER ~ SALES / UNDERWRITER
Paramount Mortgage & Real Estate
1999 - 2001
Menlo Park / Capistrano Beach, California
Responsible for relocating new office to Southern Ca and implementing all marketing and
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advertising strategies.
In charge of hiring and training all new loan officers and real estate agents in both commercial
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and 1-4 unit products.
Assist the mortgage loan personnel with product guidelines, required loan documents and
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approval conditions.
1999 began with company in Menlo Park as a loan officer/junior underwriter.
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EDUCATION
Fair & Responsible Lending Training June 3, 2014
Multiple Certificates through FlagStar Bank (titles available upon request)
CA. Licensed RE Broker #01255431
CA. Licensed Insurance Agent #0H20657
Continuing Education and Ethics of Life and Annuities
FHA Certified Processing Course 6 Hour class FHA Online University
DU and LP training
CA Life Insurance License (Life Only).
FHA Refresher Course.
Certificate of Completion~~~Broker Continuing Education (51 hours)
Certificate of Completion~~~ Ethics
Certificate of Completion~~~ Agency
Certificate of Completion~~~ Trust Fund Handling
Certificate of Completion~~~ Fair Housing
Certificate of Completion~~~ Consumer Protection
Certificate of Completion ~~~ Understanding the Residential Purchase Agreement
3 Hours Cont. Education ~~~ Aspects of Appraisal
3 Hours Cont. Education ~~~ Financial Selling
Certificate of Completion, CA Notary
Certificate of Completion: Escrow, Legal Aspects, RE Economics, Practice
Certificate of Completion: Appraisal and Principles of Marketing
Certificate of Completion: Ethics and Finance
US NAVY: Certification for Fork Lift Operator (Special Weapons, Stores)
1990 - 1988 General Education w/ emphasis in Business, College of San Mateo, CA
1988 HS Diploma Junipero Serra HS, San Mateo CA
AWARDS
Orkin Pest Control Presidents Club >94, >95, >96, '97 (#1 Sales in the Nation)
Orkin Pest Control Circle of Excellence Award >92 - >97 (#1 Customer Satisfaction)
Desert Storm Veteran Battle E Ribbon, Sea Service Ribbon, Southwest Asia Medal
Honorable Discharge United States Navy
Disabled Veteran Status
First Option Homes & Loans ~ Multi-Million Dollar Producer Award 2001, 2002
Paramount Mortgage & Real Estate ~ Largest Multi Family Loan Award ($43MM)
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