***** ******* *******

Gibsonton, FL ***** E-mail ad3qgt@r.postjobfree.com

Cell 813-***-****

Carl Brody

Summary of Experience: Over 35 years of experience in customer centric business applications in the mortgage finance industry including underwriting, operations, compliance, marketing and management.

June 2020 – Current PennyMac

Tampa, FL

DE Mortgage Underwriter

Front end FHA and Conventional Underwriter for the Consumer Direct Division. Credit and income analysis for purchase and refinance loan requests meeting HUD, FNMA and FHLMC guidelines.

April 2016 – June, 2020 Clayton Services

Tampa, FL

Mortgage Underwriter

Credit and compliance underwriter for current production from a variety of different clients with a focus on delivering quality analysis in a timely fashion. Responsibilities include full file review for secondary market acceptance and adherence to FNMA, FHLMC, FHA guidelines. October 2012 - April 2016 JCIII & Associates/American Mortgage Consultants NKA AMC-Situs

Tampa, FL

Mortgage underwriter

Full credit and compliance review of post closed loans including seasoned portfolios for a variety of different clients. Responsibilities included full credit re-underwriting to FNMA, FHLMC, VA, FHA, RESPA, TILA, HOEPA and other required compliance reviews. March 2012 – October 2012 USAA Mortgage

Tampa, FL

VA Mortgage Processor

Main point of contacts for USAA member’s loan applications including all documentation verification, analyzation of income and assets, ordering appraisals and credit reports in order to process loans from application through underwriting. Responsible for all member contact and service issues until hand off to closing department.

September 2010- March 2012 Cyprexx Services, LLC

Brandon, FL

Preservation Coordinator

• Coordinate all client focused requirements in a multi-state territory for one of the largest property preservation companies in the country. Chiefly responsible for intra-communication between contractors, real estate brokers, and asset managers for completion requirements and Quality Assurance. September 2007 – September 2010 Numerica Mortgage, LLC Tampa, FL

Branch Manager/Regional Manager

Responsible for and actively managed a retail mortgage branch of a Virginia Based FHA/VA Conventional lender. Headed production, operations and P&L management. Responsible for operations and production of 3 other branches in Florida.

September 2002 – September 2007 Fremont Investment & Loan Tampa, FL

Sales Manager

• Responsible for and headed a wholesale production sales team calling on mortgage brokers for a major lender’s Tampa regional office

• Managed 18 Account Executive’s who’s total production for 2006 was over $700mm.

July 2001 – September 2002 WMC Mortgage Corp Woodland Hills, CA Business Development Representative

Regional business development rep to mortgage brokers in a territory including Orlando, Tampa Bay and parts of SW Florida January 2000 - July 2001 Planters Equity Lending Tampa, FL

Florida Branch Manager

Headed wholesale 2nd mortgage lending Branch for Union Planters Bank of Memphis TN

Producing Manager charged with production and operations overseeing 2 Account Reps and processor

Consistently averaged 40 to 45 units monthly

January 1996 - January 2000 CIB Financial/KBC Funding Tampa, FL

Managing Director

Chief executive of small regional, multi-state mortgage lender

Managed a staff of 20 operation and 12 marketing employees through it’s wholesale and 4 retail branches

April 1993 – November 1995 DSB Funding Corp Tampa, FL

Senior Vice President

Started the wholesale mortgage division for Delaware Savings Bank

As head of sales/production oversaw it’s wholesale growth and managed all sales, production staff and headed secondary marketing

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