KJ Brown

ad3yhy@r.postjobfree.com

404-***-****

Sr. Underwriter/Underwriting Manager

Expertise in Credit, Conventional, Freddie Mac & Fannie Mae Loans, FHA, Risk, and Manual underwriting, Risk analytics

Underwriter known for strengths in risk assessment, leadership, Strong knowledge of Investor, Agency, FHA, credit, CRA and Construction/ Perm guidelines and requirements for all loan types.

Skills

Stellar team leadership/ resolution management Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Manual Underwriting Risk Assessment Loan-to-Value Ratios/ Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans ARMs Loan Closing, Funding & Documentation

Account Service Excellence- Compliance- NMLS certified

Professional Experience

OTHL/Schumacher Mortgage; Underwriting Team lead, March 2020-

Respond to post closing request and audit findings.

Lead a team of underwriters through best demonstrated practices ensuring successful productivity.

Responsible for reviewing and approving PTO and leave request..

Assit underwriters in prioritizing rush request and conditions review

Wells Fargo Bank; Underwriting Manager, December 2018- March 2020

Menor and train underwriting team leads to ensure overall departmental success.

Collaborate with the Sr. Management of operations to grow and maintain the underwriting team.

Facilitate monthly, (or as needed) meetings with post-closing/funding manager in audit reviews and streamlining processes to address post-close conditions or concerns.

Helped develop the Underwriting handbook as it pertained to processes and procedures.

State Farm Bank; Sr. Mortgage Underwriter, May 2017- September 2018

Review all loans within designated pipeline and clear all required conditions.

Review and analyze all income, asset, and credit documents within the file to ensure the accuracy and compliance of company standards and overlays.

Maintain current knowledge of all loan products, origination requirements and thorough knowledge of CFPB rules.

Evaluate the DTI, LTV, and loan terms to ensure program is followed.

BBVA Compass; Regional Underwriting Manager-VP, June 2015-February 2017

Directs daily operations of the mortgage lending department, including managing of the daily pipeline report; conducts performance guides appraisals and recommends salary adjustments and/or promotions.

Provides leadership, direction, and growth opportunities to members of the department, performing those responsibilities in accordance with the Company's policies and applicable laws. Responsible for interviewing, hiring, planning, assigning, or directing work, appraising performance, disciplining team members and resolving problems.

Resolution of processing/ post-closing issues complete second level approvals, denials, and pended requests.

Responsible for managing the daily production goals and office efficiency for remote and in office location underwriters.

BBVA Compass; Sr. Underwriter, Construction/Perm, FHA, CRA February 2011- June 2015

Underwrite mortgage files within a 24 hour turn time, while adhering to program guidelines and applicable overlays

Underwrite CRA loans within FHA loan limits.

Trained senior level processors on clearing conditions and junior underwriting functions.

Manually underwrite portfolio loans, review appraisals, titles, deeds, and other pertinent information needed for final approval.

LPS Capital Markets; Quality Assurance Underwriter, January 2010-April 2010

Perform a post-close QA analysis of loan files for completeness and accuracy, analyzing credit documents, mortgage applications, credit history and income documents, title documents, appraisals, and all other applicable required documents.

Responsible for the in-depth review of mortgage loans in default, foreclosure, or REO status with a focus on the quality and validity of underwriting at origination with regards to buy-back/put-back possibilities

Responsible for identifying significant findings resulting from issues with originator’s underlying business practices, underwriting and/or fraud exposure.

Education & Technology

Georgia Southern University- B.A. Business Administration

U.S. Air National Guard- Logistics Technology and War Readiness Mobility

Computer Proficiencies: Encompass; E3; Cadence; Blitz Docs; MS Word and Excel

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