Senior Underwriter Real Estate Paralegal

GEORGE ROGERS BRUYNELL

Email: *****************@*****.***

1-609-***-**** Cell

QUALIFICATIONS:

BS Degree – Marketing. Para Legal Certification – Litigation. 20+ Years Underwriting Experience. HUD Delegated Underwriter #U633. Local Candidate, US Citizen. Over 20 Years Originating 1st Mortgages, & Management. 11 Yrs. Experience with Ellie Mae Encompass Software System, Calyx – Point, Byte, and Loan Banker. Proficient in all Microsoft Office Suite Products. EDUCATION:

• BS Marketing Degree: Wilmington University/Wilmington, DE

• Para Legal Litigation Certification: Widener University, Wilmington, DE OBJECTIONS:

• My experience as a DE Underwriter has allowed me to develop a keen eye for detail, honing my skills in analyzing complex financial documents and assessing risk. I have a deep understanding of mortgage underwriting guidelines, including those governed by federal and state regulations, and my work has always been conducted with the utmost integrity.

• In addition to my technical skills and knowledge, I also possess effective communication and people skills that allow me to work effectively with borrowers, loan officers, and other team members. I can explain complex underwriting decisions in clear terms and provide guidance to clients throughout the underwriting process.

• Overall, I take pride in providing exceptional service to clients and ensuring that every loan is underwritten with the highest level of accuracy and compliance.

PROFESSIONAL EXPERIENCE:

Acre Mortgage October 2022 - Present

Loan Operations Specialist

• Analysis of Loan Document Files prior to Underwriting Review.

• Worked with Operations Center to insure promptness of Loan Documents. Mattleman, Weinroth, & Miller May 2022 – October 2022 Real Estate Paralegal

• Prepare all Loan Documents necessary for Real Estate Loan Closing.

• Communicate with Clients, Lenders, Title, Attorneys, and Townships as needed. TJC Mortgage dba Mortgage Right – Remote August 2020 – September 2022 Senior Underwriter

• Manual, and Automated Underwriting Systems; (LP) -Loan Prospector, and (DU) Desktop Underwriter.

• Evaluated detailed self-employed borrowers’ financial strength to decide risk and repayment ability.

• Full Documentation: Confirming, FHMA, Jumbo Purchase/Refi’s FHA, Freddie, and FNMA Loans.

• Direct conversation with Loan Officers on how to structure loans.

• Worked in a paperless environment using Encompass.

• Reviewed All Appraisals, ordered Mortgage Insurance, well as Title Commitments for Pre-Closing. East Coast Capital, Corp., Remote December 2019 – July 2020 Senior Underwriter- Distributed Retail Consumer Division

• Performed detailed underwriting analysis loan for credit and/or documentation deficiencies.

• Communication decisions to Branch Managers, Processors, and Loan Officers.

• Manual, and Automated Underwriting Systems; (LP) -Loan Prospector, and (DU) Desktop Underwriter.

• Full Documentation: Confirming, and Jumbo Purchase/Refi’s FHA, Freddie, and FNMA Loans.

• Reviewed all Appraisals, Title Commitments for Pre-Closing. American Residential Lending, Remote November 2016 – October 2019 Senior Team Lead - Underwriter – Distributed Retail Consumer Division

• Wrote Company Manual for Income, Evaluated and reviewed Company Underwriters for Quality Control...

• I distributed the workflow to Underwriters based on Underwriter Level of talent level, and loan type.

• Demonstrated excellent follow-through with loan officers, processors, and management throughout all phases of the underwriting process. Manual, and Automated underwriting systems; (LP) -Loan Prospector, and (DU) Desktop Underwriter. Full Documentation: Confirming, and Jumbo Purchase/Refi’s FHA, Freddie, and FNMA Loans. GEORGE ROGERS BRUYNELL

Email: *****************@*****.***

1-609-***-**** Cell

Pacific Union Financial, Remote August 2015 – October 2016 Senior Underwriter – Distributed Retail Consumer Division

• Supplied meticulous diligence in underwriting mortgages.

• Manual and Automated Underwriting Systems; (LP) -Loan Prospector, and (DU) Desktop Underwriter.

• Evaluated the financial strength of borrowers to decide risk and repayment ability.

• Full Documentation: Purchase/Refi’s FHA, and FNMA Loans.

• Direct conversation with Loan Officers on how to structure loans. Colonial Mortgage Services of America, Montgomeryville, PA. February 2015 – July 2016 Underwriting Manager - Consumer Division

• Evaluated and reviewed AUS (DU/LP) decision finding.

• Purchase Money Loans –Oversaw Two Branches Underwriting, Post Closing Dept.

• Reported direct to the Owner of the company.

• Balanced the need for loan-volume growth with the equally important necessity of best underwriting quality to minimize risk while maximizing profitability.

• Demonstrated excellent follow-through with loan officers, processors and management throughout all phases of the underwriting process.

Bayview Asset Management, Ft. Washington, PA

FHA DE Underwriter - Consumer Division May 2013 – January 2015

• Worked in a paperless environment using Encompass.

• Instrumental in Company receiving HUD Approval through FHA Streamline Test Cases.

• Aided in setting up company Platform for Manual FHA Streamline, & VA IRR’s loans.

• Communication decisions to Loan Processors and worked directly with MLO when needed.

• Worked on test case for setup of Ellie Mae Encompass Software System.

• Developed procedures using Encompass.

• Reviewed files for Pre-Purchase Underwriting.

Freedom Mortgage, Mt. Laurel, NJ

FHA DE /VA Underwriter- Consumer October 2011- April 2013

• Manager of night shift to clear closing problems.

• 1st Level review for denial on FHA loans.

• Cleared Caviars Claims directly with FHA Home Ownership Center.

• Approved Full Doc Purchase: FNMA, FHA, and FHA Streamline/VA IRR’s. Wells Fargo, Chester, PA

FHA DE Underwriter- 3F-Consumer July 2010 –July 2011

• Verified accuracy and compliance of mortgage applications and documentation.

• Performed detailed underwriting analysis loan for credit and/or documentation deficiencies.

• Communication decisions to Branch Managers and Loan Officers.

• Refinance, Investment, Cash Out, Rate and Term.

Benchmark Mortgage, Radnor, PA January 2000 – May 2008 State Manager State of PA - Consumer Division

• Prior company Allied Home Mortgage Corporate office closed all branches and staff moved to Benchmark.

• Underwrote all Conventional Loans for in the State of PA, as well as Pennsville, NJ branch.

• Prepared and reviewed loan documents while supplying support to variety of departments in a timely manner.

• Ordered wired funds for all loans, while working well under pressure.

• Profit Center Owner/ Manager Pennsville, NJ Branch having fourteen loan officers.

• Opened PA office and reported directed to legal and partners of company. Parmann Mortgage Associates, LLP, Mt. Laurel, NJ October 1997 - February 1999 Northeast Regional Manager

• Started Central Operations Office from prior Lender that sold to Jefferson Bank where I was Regional Manager.

• Oversaw A Paper- BCD Paper: Wholesale, and Retail; Loan Officers, Processing, Underwriting, Closing, Delivery

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