RAYMOND BRAMZEL - Telephone 206-***-****

Email: ad23ia@r.postjobfree.com

Seasoned DE SFR Mortgage Professional with emphasis on high customer service levels with a plethora of experience as well as a proven track record in pre & post-closing in different areas.

EXPERIENCE:

Over 20 years in SFR mortgages; Retail, Wholesale, Correspondent and Consumer Direct Channels for Mortgage Bankers, Community Banks, Credit Unions and Private Mortgage Insurance Companies

Front line underwriting, QC QA residential SFR mortgages Government FHA (including 203k) RD USDA, VA auditing, GSE Conventional FNMA Fannie Mae FHLMC Freddie Mac, Non-Conforming, State Housing Bond, Jumbos, HELOCs, Non-QM including DSCR Investments including 5-8 SFR units/Bank Statements/Self-Employed Tax Returns 1099/Asset Utilization and Foreign National ITIN. Ability to have VA with sponsorship.

Level 4 signing authority up to $3,000,000 loan amounts including 2nd Level underwriting with Exception Authority, appeals consideration, and loan committee participation.

Quality Control and Assurance: LQI, In-Line Auditor, Collateral Appraisal Credit Income Oversight Analysis, QC QA Audits, guidelines determinations, Securitization Loan Documentation, Regulatory & Compliance Reviews

Due Diligence, forensic and Bulk Purchase QC QA pre- & post-closing underwriting and rebuttals with Agencies and Individual Investors. Risk reviews and analysis for investors on closed loans selected for adverse action.

Remediation for original lenders received repurchase notices closed loans and QC defects providing solutions.

FHA Lender Authority Process - FHA Underwriting nationally. Successfully taken four (4) mortgage bankers through FHA Full Eagle for Title II Endorsement lending authority including underwriting test cases.

Regional Operations Manager, Senior DE & Team Lead Underwriter – including mentorship with problem-solving and troubleshooting for retail branches, brokers, and internal staff. Lead a team up to 12 staff.

Scenario and Help Desk Underwriting – restructuring Turn Downs for Re-work Re-Submission Approvals

Remote since March 2011 working all six time zones, 100% paperless and multi-monitors with Windows based software using Encompass E360 since January 2008, PC Lender, Lending QB, Empower, Byte Pro and others. Virtual tools MS Teams and Office 365 products, Conferencing: Google Meet, MS Teams, WebEx, Zoom.

Meeting SLAs: 48-hour new files and 24-hour conditions review turn times. Up to eight file touches/day

Received customer service awards as a team lead underwriter with over 50 LinkedIn written testimonials and plenty of recommendations from brokers, loan officers, clients, customers, processors, managers, and peers found by going to https://1drv.ms/f/s!AmYklNt9ZkdMiaQnIhLWtN_F5jLEmg

CERTIFICATES:

Direct Endorsement for underwriting government FHA loans with a CHUMS ID AU44 since 2002 currently active

Certified Commercial Underwriting and Processing of NAMU®

Certified Ambassador Mortgage Underwriter CAMU with National Association of Mortgage Underwriters NAMU®

Certified FHA Credit Examiner - Mortgage University of NAMU®

Certified in Due Diligence in Underwriting & Processing - Mortgage University of NAMU®

Public Notary for the State of Washington

Individual NMLS ID 505792 completing CE annually for renewal.

EDUCATION:

Mortgage University of NAMP®/NAMU®

Tax Return Analysis – Examine Self Employed Borrowers – Mortgage University of NAMU® - Campus Mortgage

University of Phoenix - Bachelor of Science in Business Global Business Management – Courses

Real Estate Property Appraising, Auctioneering & Management

Associate degree – Sciences

Liberty Tax Service Tax School Course for Preparation of Tax Returns

EMPLOYMENT: HIGHLIGHTS 2001 TO DATE

Geneva Financial – Remote Senior Remediation Specialist Underwriter (a leadership role) 06/2023 – 11/2023

Analyzing Agency, Government, Housing Bond, PMI and Investors audit results of SFR mortgage loans. Active FHA CHUMS.

Providing solutions for mitigation, remediation for resolution including the institution of rebuttal processes.

Other miscellaneous functions including overflow full front line underwriting all SFR mortgage products and credit risk analysis in-between remediating, liaising with underwriters, internal QC QA in an advisory and supporting capacity.

Up to 90% success rate remediation including avoiding buybacks re-purchases. At least 10 loans/month.

Reduced the Net defect rate by 5% to under 2% to reduce indemnification and repurchasing of mortgage loans.

FINANCIAL PACIFIC – Remote Credit Analyst II Underwriter – Commercial Finance & Leasing 12/2022 – 06/2023

Manual underwriting from application to funding stages including credit, collateral asset reviews and risk analysis.

Commercial Lending - Hard Titled Assets, Equipment, Vehicles - Purchases, Refinance and Working Capital.

Entities - LLCs, S Corps, C Corps, 1065 Partnerships, Individuals and Sole Proprietors – small businesses

NEWFI/NEXERA HOLDINGS LLC – Remote 2nd Level Underwriter – preclosing 01/2020 – 12/2022

DEEPHAVEN MORTGAGE – Remote Sr. Underwriter with Exception Authority - Multi Channels

Full 2nd level re-underwriting pre-closing of Non-QM and Jumbo products over underwriters lending authority Delegated and Non-Delegated Sellers; full underwriting pre-closing up to $3,000,000 loan amounts in 48 states. Providing complete findings with Exceptions for front- line underwriters prior to docs to ensure salability and securitization.

Underwriting Jumbo, Expanded Prime, ALT-A, Near & Non-Prime, Asset Depletion, Investor, Foreign National Products

Full doc, complete tax returns, 12 & 24-months Personal or Business Bank Statements, Schedule E/1007 Rental Income Investor and Asset Utilization DSCR. Majority self-employed borrowers tax returns & 1099, non-QM, lending in 48 states

Re-underwriting with QA/QC with risk analysis and tasks to investor specific guidelines for DSCR, business or personal banks statement, asset depletion/utilization, full documentation tax returns or W2 or 1099 income stream for qualifying using manual and/or AUS credit qualifying processes. Foreign National ITIN products included. Owner occupied, second homes and investments 1-4 and 5-8 SFR unit subject properties located from West to East Coast states.

Providing support with mentorship to teams of front-line underwriters as back up - troubleshooting and problem-solving.

Consumer direct, correspondent and wholesale channels. 100% remote paperless work environment

Complete manual underwriting: Encompass E360, Loan Beam tax returns and Ocrolus Perfect Audit software

Exception Authority ($1.5 million) – 5% LTV, 5% DTI, 5 Pts lower FICO, 1 less Tradeline, Cash Out amount to $600,000.

THE COMPLIANCE GROUP & CROSSCOUNTRY MORTGAGE – Remote QC QA Underwriter 01/2018 - 01/2020

Underwriting with QA QC LQI credit risk reviews of mortgage underwritten mortgages pre-closing and post-funding

Underwriting SFR mortgages to guidelines of Agencies Direct, Investors Specific, Government FHA USDA VA, Conventional FNMA FHLMC, Housing Bond, HELOC, Jumbo, Non-Conforming Products, Delegated, Manual and AUS – Encompass E360 and ACES/Insight/Siena Andor Job criteria; proven min 10 years frontline mortgage underwriting.

Determination of mortgage loans underwritten and processed to loan program guidelines for credit risk, salability and insurability of Targeted and Random selected loans in 48 states. Second level underwriting to front line.

Producing reports with final scores/levels under headings of Pass, Severe, Ineligible, Moderate, Low, Insignificant deficiencies with citing referencing guidelines and regulations

BANK OF ENGLAND MORTGAGE – Retail Mortgage Banking – 14 retail branches in four time zones 08/2016-01/2018

NATIONS LENDING CORPORATION & ANNIE MAC – Wholesale in four time zones

Senior DE Corporate Underwriter – Conventional, FHA, Jumbo, Non-Conforming, Housing Bond

In-house mortgage lending; SFR products in multiple States in different time zones. Agency Direct and individual investors

Manual and AUS underwriting processes including Refers with exceptions using compensating factors.

Credit/income/asset/property/disclosures analysis, producing loan dispositions, validation of all documentation.

Clearing conditions prior to producing documentation and funding

FRONT LINE DE SFR MORTGAGE UNDERWRITING, BULK PURCHASING, DUE DILIGENCE QC QA FORENSIC

QC QA Auditor for Clayton, AMC, QMS, Treliant Risk Advisors, Allonhill 2013 - 2016

FHA Test Case DE Underwriter - Mortgage Advisory Group, TMBG, OnyGlo and Americash 2008 - 2013

Wells Fargo, Golf Savings Bank, Bank of America – Senior DE underwriter Level 4 - Retail

FHA, Conventional, Non-Conforming, Jumbo, Construction Loans 203K & Homestyle Senior Underwriter

Previous front line and due diligence DE SFR mortgage underwriter - retail and wholesale 2001–2008

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