Bonnie J. Bryant Gentilello
Houston,TX
Summary
Experienced senior mortgage underwriter with over 35 years of proven track record in FHA, VA, CONV, USDA, and BOND mortgage underwriting. Skilled at analyzing complex financial documents, assessing risk, and making sound lending decisions. Committed to maintaining compliance with industry regulations and providing exceptional customer service. Seeking a challenging position to leverage expertise and contribute to the success of a dynamic mortgage underwriting team.
Overview
40
40
years of professional experience
1
1
Certification
Work History
Underwriter III
DSLD Mortgage, LLC
06.2019 - 01.2023
- Review borrower's qualifications and capacity to own and operate the property in accordance with the loan terms and program requirements for FHA, VA, Conventional and USDA loans
- To determine the ratios; to ensure that all materials prepared by outside parties are adequate for their intended purpose and comply with Agency requirements; and to determine the value of the property
Sr. Underwriter, Underwriting Manager
Nations Reliable Lending
06.2012 - 01.2019
- Started as Sr
- Underwriter eventually becoming Underwriting Manager
- I underwrote FHA, VA, CONV, USDA and BOND loans on a daily basis which involved reviewing borrower's qualifications and capacity to own and operate the property in accordance with the loan terms and program requirements for FHA, VA and Conventional loans
- Made determination of the ratios; ensured that all materials prepared by outside parties were adequate for their intended purpose and comply with Agency requirements; and to determine the value of the property
- Promoted to manager of the underwriting department and supervised all underwriters as company grew from small local operation to large multi-state corporation with over 30 branches
- Responsible for staying up to date on all NRL's investors and their guidelines as well as FHA, VA, USDA, and FNMA guidelines
- Responsible for training of all underwriters
- Also assisted in getting loans purchased and off of the warehouse lines by reviewing all suspensions from the investors
- Oversaw quality control reports when they came in from our quality control company
Sr. Underwriter
Everett Financial Group dba Supreme Lending
05.2009 - 05.2012
- Review borrower's qualifications and capacity to own and operate the property in accordance with the loan terms and program requirements for FHA, VA and Conventional loans
- To determine the ratios; to ensure that all materials prepared by outside parties are adequate for their intended purpose and comply with Agency requirements; and to determine the value of the property
Senior Underwriter, Manager
Franklin Bank
07.2004 - 11.2008
- Responsible for Underwriting Conventional, FHA & VA loans for nationwide Wholesale, Correspondent, and Retail Operation
- Managed and trained junior underwriters through Jan 2008
- Promoted to Modification Manager of Loss Mitigation Department, January 2008
- Managed team of 6 personnel; Developed Franklin's Policy and procedures for modifications; Established reporting guidelines to executive management for modifications, forbearances, and TDR's
Branch Manager/Owner
TransLand Financial Services
10.2000 - 02.2004
- Ran the daily operations for multi-branch, multi-state mortgage bank
- Branch locations included Nashville, TN, Richmond, KY and Houston, TX
- Responsibilities included management of 35 member staff, training of underwriters, processors, closers, and obtaining new business
Senior Underwriter
North American Mortgage Co
01.1997 - 10.2000
- Responsible for Underwriting Conventional, FHA & VA loans for Wholesale & Retail Operation for the State of Tennessee
Office Manager
Century Mortgage Corp
01.1989 - 01.1997
- Senior Underwriter for Conventional, FHA, VA loans
- System Administrator for entire computer system
Loan Officer
Diamond Mortgage Corp
01.1988 - 01.1989
- Loan Originator of FHA, VA and Conventional loans
Vice President
Nationwide Lending Group Inc
01.1983 - 01.1988
- Started as Administrative Assistant to Regional Vice President
- Became Sr
- Underwriter for southeast region
Education
High School -
Diamond High School
Anchorage, AK05.1973
Skills
- Proficient in Encompass
- Adept at MS Office
- Exceptional attention to detail
- FHA DE / VA LAPP
- Strong analytical ability
- Proficient in problem solving
- Regulatory and compliance issue expertise
- Practiced in discretion and confidentiality
- Extremely team oriented
- Policy renewal
- Analyzing data
- Caseload management
- Documentation review
- Loan evaluation
- Underwriting guidelines
- Credit analysis
- Application review
- Data interpretation
- Risk mitigation
- Asset statements
- Policy interpretation
- Property appraisal
- Net operating income formulation
- Freddie mac & fannie mae
- Underwriting calculations
- File analysis
- Creditworthiness assessment
- Loan approval & denial
- Teamwork
- Problem-solving abilities
- Time management
- Multitasking
- Self motivation
- Decision-making
- Reliability
- Adaptability
- Regulatory compliance
- Continuous improvement
Certification
- FHA DE #E360
- VA LAPP/SAR 000107
- Worked on Encompass for last 10 years.
Timeline
Underwriter III
DSLD Mortgage, LLC
06.2019 - 01.2023
Sr. Underwriter, Underwriting Manager
Nations Reliable Lending
06.2012 - 01.2019
Sr. Underwriter
Everett Financial Group dba Supreme Lending
05.2009 - 05.2012
Senior Underwriter, Manager
Franklin Bank
07.2004 - 11.2008
Branch Manager/Owner
TransLand Financial Services
10.2000 - 02.2004
Senior Underwriter
North American Mortgage Co
01.1997 - 10.2000
Office Manager
Century Mortgage Corp
01.1989 - 01.1997
Loan Officer
Diamond Mortgage Corp
01.1988 - 01.1989
Vice President
Nationwide Lending Group Inc
01.1983 - 01.1988
High School -
Diamond High School
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