Mortgage Loan Consultant
Resume:
BRANDY DIXIE
UNDERWRITER
P
E
*****************@*****.***
A
North Las Vegas NV 89081
W
https://www.linkedin.com/in/brandy-leeann-dixie-1909606/
OBJECTIVE
EDUCATION
Ambitious, Experienced and Self-Motivated Individual with over 20 years of employment in the banking & financial industry as a Senior Loan Analyst/Underwriter and Team Lead. Proficient in evaluating credit risk and loss potential, always keeping the customers a priority. While applying my knowledge of credit policy and ensuring ability and willingness to repay is met for each transaction. Display’s excellent communication, interpersonal, organizational, time-management and leadership skills. Exceptional versatility with the ability to manage multiple tasks in a pressured environment using analytical and problem-solving solutions with acute attention to detail including the ability to learn quickly all while maintaining precision and accuracy.
San Joaquin Valley Collage
Associates Degree
Business Management/Finance
KEY SKILLS
VARIANCE & RISK ANALYSIS: INCOME, CREDIT, ASSETS, & PROPERTY
UNDERWRITING GUIDELINES/REGULATORY REQUIREMENTS
FRAUD DETECTION TECHNIQUES
QUALITY CONTROL STANDARDS & COMPLIANCE
AUS / LP / NON-QM / MANUAL UW’S
ANALYSIS OF PROPERTY, TITLE, & INSURANCE.
STRONG WORK ETHIC
COMMUNICATION
ORGANIZATION
TEAMWORK, INCLUDING MENTORING/TRAINING
TEAM LEAD
EXPERIENCE
September 21st,2020 – June 22nd, 2022
Senior Mortgage Loan Underwriter – Guaranteed Rate Inc
Credit analysis completed on FNMA, FHLMC, NON-QM, HELOC’s, & Manual UW for private investors in all 50 states while determining and documenting loan decisions and conditions while effectively communicating what is required to teammates. Extensive Comprehension of UW Guidelines per company and investor standards. Proficient knowledge of reviewing personal and business tax returns. Analyzing credit reports, bank statements, paystubs, W2’s, Tax Returns, Title, Insurance, HOA documents and purchase agreements. Property analysis using CU and LPA to UW reports and analyze comps. Special Programs: HomeReady, HomePossible, HomeStyle, HomeOne, Jumbos, Down Payment Assistant Programs. Performed 2nd Level Reviews on complex files and credit/income exception request. Performed training on Self-Employment income analysis to upskilling underwriters. Performed Team Lead responsibilities.
July 15th, 2015 – September 20th, 2020
Senior Mortgage Loan Underwriter – HomeBridge Wholesale
Evaluated Conforming, Jumbo and Non-Qum Loan files in all 50 states. Determined and documented loan decisions and conditions while effectively communicating to sales and processing teammates. Proficient knowledge of UW Guidelines per company and investor standards: FNMA, FHLMC, NON-QM, & Manual UW for private Investors. Extensive knowledge of reviewing complex personal and business returns. Analysis of credit reports, bank statements, paystubs, W2’s, tax returns, title reports, and purchase agreements. Property analysis using CU and LPA to UW reports and analyze comps. Special Programs: HomeReady, HomePossible, Jumbos, Down payment assistance. 2nd level reviews on complex files and credit/income exception requests.
February 18th, 2013 – July 18th, 2015
Senior Mortgage Loan Underwriter – Freedom Mortgage
Underwrite Conventional, Non-QM, Single Family, Condo’s, Townhomes, 2-4 unit income producing properties. Extensive Experience in underwriting FNMA and FHLMC loans. Demonstrate excellent follow through with loan processors, loan originators, and management through all phases of the underwriting process. Leverage knowledge of loan products to help restructure turn-down loans for subsequent approvals. Performed appraisal reviews and recommend additional requirements needed for risk to adhere company guidelines. Provided second level reviews on complex files and credit exceptions. Underwrite mortgage loans and completing second level reviews for employees with lower signing authority.
August 13th, 2012 – January 13th, 2013
Primary Underwriter – Premier Resource Mortgage
Underwriting for conventional, Single Family, Condo’s, Townhomes, 2–4-unit income producing properties, with extensive experience and knowledge in FNMA and FHLMC Guidelines. Performed analysis of personal and business tax returns to ensure calculation of income was completed per company and investor guidelines. Performed complete credit, income and asset risk analysis to adhere to investor guidelines.
July 6th, 2008 – August 10th, 2012
Consumer Loan Underwriter 3C – Wells Fargo
Evaluated Conforming loan files for initial and final decisions. Proficient knowledge of reviewing personal and business tax returns. Analyze credit reports, bank statements, paystubs, W2’s, Tax Returns, Title Reports, and purchase agreements. Special programs for below market rate homes, DAP Programs, MI requirements.
September 1st, 2001 – March 30th, 2008
Senior Mortgage Consultant / Team Lead – Mortgage Express
Performs tasks of managing staff of mortgage loan professionals for the assigned market segments. Made direct sales through assigned sales staff to customers and prospects. Responsible for establishing and achieving sales and budget goals and marketing strategies for the sold products and services. Motivate and train new sales staff to generate sales to increase the profitability. Educate staff with sales, company, and industry knowledge. Assessed loan attributes and documentation for soundness and accuracy. Reviewed and evaluated synthesized data to ascertain loan viability and identify risk issues and potential fraud. Independently performed financial analysis on borrowers. Proven leadership skills and strong integrity.
SKILLS
-Remote UW for all 50 states with knowledge of NY and TX properties.
-Extensive comprehension of UW Guidelines per company and investor standards: FNMA, FHLMC,Non-QM, Helocs, & Manual UW for private Investors.
-Special Programs: HomeReady, HomePossible, HomeStyle, HomeOne, Jumbos, Down Payment assistance.
-Strong Credit & Income Analysis for W2 and all Self-employed borrowers.
-Strong Understanding of Property analysis using CU and LPA to UW reports and analyze comps.
-Strong Knowledge of All Regs.
-Completed 2nd Level Reviews on complex files and credit/income exception requests.
-Assisted with new UW training and 2nd level reviews on their work.
-Demonstrating excellent customer service and teamwork abilities while showing integrity and commitment.
-Excellent Quality in QC audit reviews.
-Strong understanding of Condos, POA’s and Trust’s.
-Maintain ethical decisions while never compromising the integrity of the company or myself.
-Determining and documenting loan decisions and conditions while effectively communicating what is required to team-mates.
-Strong analysis of insurance and title reviews for all types of properties.
-Worked on several LOS and document imaging systems for each company with the most experience in Encompass.
REFERENCES
-Mike Rowaldt – SVP of UW at Guaranteed Rate 248-***-****
-Laurie Geers – Team Lead at Guaranteed Rate 815-***-****
-Julie Flatland – VP Residential UW at Luther Savings Bank 714-***-****
-Julie Weeks – SR Loan UW at Wells Fargo 503-***-****
Contact this candidate