BRETT D. SCRANTON

**** ********* **** ** 317-***-****

Mooresville, IN 46158 aduxk6@r.postjobfree.com

PROFESSIONAL PROFILE

Goal-driven, highly analytical Professional with a proven taken record in Mortgage, Banking and Financial Services. Recognized for strong working knowledge of Underwriting processes, combined with outstanding interpersonal communication skills, proven record of working effectively in complex, fast-paced environments, and ability to build rapport on teams. Quick learner and intense listener who quickly determines product quality and provides product offerings that meet client needs and forge long-term relationships. Partners effectively with both operations and sales to achieve goals. Outstanding problem identification/resolution skills.

Areas of Strength

Project Management Operations Vendor Relationships

Proposal Development/Delivery

Loan Packages Contract Management

Sales Presentations

Proposal Development Quality Assurance

Supervision/Management

Loan Applications/Proposals

Training/Development

WORK EXPERIENCE

JP MORGAN CHASE

January 23, 2012 to April 2016

Consumer Loan Rep III

1 Reviewed 50-85 applications for auto loans per day, checking all compliance items

2 Reviewed exception requests from Level II associates and made the decision based on company policy and accepted risk while double checking compliance was done correctly

AURORA LOAN SERVICING

December 5, 2011-January 2012 Closed, no contact available

Loss Mitigation Single Point of Contact

1 In training to work with customers on workout options per investor guidelines but was offered Chase opportunity before training finished. I did find out 2 weeks in Aurora was for sale. Taking position with Chase was the right move as many associates were released 3-4 months after acquired,

HARRISON COLLEGE, Indianapolis, IN

June 2010-December 2011-College is closed so I cannot give a verification contact number

Certified Financial Aid Analyst

Responsible for working with students, academics and admissions

1 Work directly with students to offer assistance on completing forms 2 Closely work with admissions team on status of students progress

3 Review files selected for verification and achieve 100% compliance

STAR FINANCIAL BANK, Anderson, IN

July 2007-May 2010

Full service financial institution offering a complete line of checking, savings, trust, and lending products to individuals and businesses.

Consumer Credit Group Underwriter

Responsible for managing daily workflow in a retail environment which include: 1 Branch unsecured, auto and Home Equity loan applications.

2Underwrite broker SAP(service agreement provider) loans

3Manage the broker approval process including running all background checks

4Organize and give presentations on fraud to all Bank Loan Officers

5Review questionable appraisals and make recommendations for future use of appraisers

6Underwrite and manage relationships on Indirect loan applications(50% of total volume)

7Track team and branch exceptions and give feedback on any negative and postive trends

8Go on sales calls for Indirect and brokers for support and attend monthly MBA meeting

9Risk Management, collection charge off review, performance review of all products

10Review Income and eligibility for the Homeowner Affordability and Stability Plan

HUMANE SOCIETY OF INDIANAPOLIS, Indianapolis, IN

2006-2007

Local Non for Profit specializing in the care of animals

Customer Service Manager

Responsible for managing all customer related areas which include:

1Adoptions, Cashiering, Fostercare, and Animal Receiving

2Customer Service Phone Team

3Managed consistent group of 11 staff members. As needed I will step in for the Operations Manager and handle the Operations team as well. Total staff managed at one time is 22.

OAK STREET MORTGAGE, Carmel, IN

2004 – 2006 Closed, no contact information available

Mortgage Banker offering a wide variety of real estate secured financial solutions to clients in more than 30 states, both through retail and wholesale settings.

Retail Underwriter

Responsible for ensuring quality of the loan met corporate, investor, and borrower needs.

1Reviewed both upfront and final loan packages; researched potential alternative packages to retail site managers if loan did not meet certain investor requirements.

2Maintained high investor delivery execution on loans decisioned.

3Worked in Risk Management to gather information to prevent fraud and repurchase losses.

FIRST INDIANA BANK, Greenwood, IN

2002 – 2004 Aquired by M&I, then BMO Harris after I left. No contact for my records available

Full service financial institution offering a complete line of checking, savings, trust, and lending products to individuals and businesses.

Wholesale Underwriting Manager,/Appraisal Review Manager

Responsible for ensuring quality of products for portfolio and investor delivery.

1Reviewed all questionable appraisals; developed proposals and final reports that were reviewed monthly by Quality Control and yearly by the OCC. Received high marks from both.

2Reviewed loans in excess of $250MM. Monitored timelines, budgets, and projects.

3Worked with sales and operations to make correct decisions for all parties, while adhering to all Fair Lending policies.

4Developed/maintained strong relationships with sales and operations departments to meet their needs; researched/developed strategies that met sales and operations objectives.

5Led multiple operational projects to rollout quality assurance programs.

HOUSEHOLD MORTGAGE SERVICES (HMS), Elmhurst, IL; Brandon, FL

1998 – 2002-Purchased by HSBC in 2004

Now a subsidiary of HSBC, HMS provides a wide range of mortgage products and full range of mortgage services throughout the U.S.

Wholesale Lead Underwriter

Responsible for managing up to 12 underwriters at various client locations on-site throughout the U.S.

1Assigned traveling staff to ensure proper staffing to meet client needs for purchases. Built rapport with new clients early in the process to support sales and generate repeat business.

2Conducted training sessions with new clients and assisted clients to purchase loans. 3 Worked directly with clients to purchase loans.

HOUSEHOLD FINANCIAL SERVICE (HFC), Elmhurst, IL

1997 – 1998

A subsidiary of HSBC and one of the largest financial services companies in the U.S. and Canada.

Lead Retail Underwriter

Responsible for underwriting unsecured and real estate loans for retail network. Worked with sales to generate growth opportunities.

TRANSAMERICA FINANCIAL SERVICES, Chicago, IL

1995 – 1997 Acquired by Household in 1997

Leading financial services company, purchased by HFC in 1997.

Branch Manager

Responsible for managing unsecured, auto and real estate portfolios with full collection responsibility.

Ensured quality and profit margins; grew business through real estate, unsecured, and auto product sales.

EDUCATION

B.A. Political Science and Public Administration, Augustana College, Rock Island, IL 1995

PROFESSIONAL TRAINING

S220 USPAP 2004

R200 Principles of Real Estate Appraisal and Single Family Appraisal 2003

R100 Principles of Real Estate Appraisal and Single Family Appraisal 2003

Contact this candidate