BRANDI M. MOORE
Summary
A successful mortgage with comprehensive background in underwriting, prepared to bring high standards to new role engaging opportunities for brand building, effective-creative direction and embracing in leadership. Reliable and flexible in meeting changing needs and ensuring high standards.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Premier Processor
Mortgage Processing Group LLC
09.2024 - Current
- Supported MLO's in their tasks, contributing to overall team success.
- Increased productivity by effectively managing workload and prioritizing tasks.
- Received and reviewed incoming documents and materials.
- Maintained accurate records and ensured timely completion of all necessary paperwork.
- Assisted colleagues as needed, fostering a positive work environment based on teamwork and mutual supportiveness.
- Enhanced team collaboration, sharing best practices for efficient processing techniques.
- Provided outstanding customer service by promptly addressing inquiries and resolving issues.
- Adhered to strict deadlines for processing applications, ensuring timely approvals and client satisfaction.
- Managed multiple priorities simultaneously, maintaining organization even during peak periods.
HE Loan Underwriter IV -Disposition Desk
TD Bank, N.A.
08.2022 - 09.2024
- Underwrote all types of income, all product types including ethical and salable residential mortgage loans and consumer loans and evaluates risk while ensuring the quality of each loan submitted
- Provided exceptional customer service throughout the loan origination process, addressing inquiries and concerns promptly.
- Streamlined underwriting processes for increased efficiency, implementing automated tools and software.
- Conducted regular audits of approved loans to ensure adherence to established guidelines and identify areas for improvement.
- Safeguarded company assets by verifying applicant income sources, employment history, credit reports, and collateral valuation documentation.
- Improved loan approval rates by conducting thorough risk assessments and evaluating borrowers'' financial capabilities.
- Maintained regulatory compliance in all lending practices, staying up-to-date with industry standards and changes in legislation.
Retail Underwriter III
LoanDepot LLC
11.2020 - 06.2022
- Achieve success in meeting and exceeding production and profitability goals for assign territory for multiple years
- Underwrite FHA, USDA, and conventional mortgages through full documentation review for FHLMC and FNMA
- Process and underwrite conventional, FHA, VA, USDA, PHFA and home equity loans for sale to multiple investors
- Check for the accuracy and proper recording of UCC filings - and mortgages
- Calculate LTV/CLTV, ratios DTI, investment properties, self-employed income, assets and appraisal requirements
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
DTC Underwriter
Caliber Home Loans
04.2019 - 10.2020
- Responsible for reviewing all loan applications for compliance with underwriting, investor, government, and FNMA/FHLMC guideline
- Respond within SLA to all loan specific audits/findings
- Revisits loans to review and clear conditions
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- VA/LAPP, FHA DE (CHUMS), & SAR
- Made approval and denial recommendations by determining accurate risk levels.
Senior Underwriter
Veterans United Home Loans
09.2016 - 11.2018
- VA Underwriting using DU, LP and Manual Underwriting
- Ensure loan file data integrity of automated underwriting system approved decisions by analyzing income, assets and liability documentation
- Provide attention to detail in underwriting mortgages - evaluating the financial strength of customers to determine risk levels associated to repayment probability
- Review appraisal reports to ensure the collateral is acceptable to investor guidelines
- Participated in industry conferences and seminars to stay informed about the latest trends, regulatory changes, and best practices in underwriting.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
Senior Underwriter - Correspondent & Wholesale
CMG Financial
07.2014 - 08.2016
- Perform credit, income, assets, and property analysis on Conventional Conforming and High Balance loan files submitted within time frame established by department management
- Perform timely reviews of conditions submitted a well as loan resubmissions
- Adequately and effectively explain in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers
- Analyze challenging loan packages to render sound credit solutions
- Fannie Mae and Freddie Mac guidelines were used
- Used both LP, and DU assisted automated underwriting to perform Front line underwriting
- Completed FHA Test Case files to obtain my DE and CHUMS certification
Lending Manager 1
Wells Fargo Private Mortgage Banking
07.2012 - 10.2013
- Responsible for the hiring, coaching, developing and supervising of team members, including decisions relative to performance reviews, terminations, disciplinary actions and salary
- Structure a process for 1C, 3C and 4C Underwriting Test Cases and assure requirements are met during this process
- Preparing formal reports for review such as production, Regulation B and capacity, low decision, suspended and quality reports
- Training of new credit policy changes, system updates, and industry guidelines
- Recruited, interviewed, and hired new employees bringing value to lending department.
- Lead team charged with consumer lending compliance and risk evaluation.
Consumer Loan Underwriter III/Team Lead
Wells Fargo
12.2011 - 07.2012
- Validate the Banker's decision of a Conventional Confirming or Non-Conforming loan
- Review team member's validation reviews of the PMB loans and assure they are within guidelines as well as give feedback results to any issues or errors found
- SME for Flood Alerts, FACTA/Fraud Alerts as well as all escalation questions from team members about Wells Fargo's Policy and Procedures
- Review and decision 3C referred files
- Assist the Validation Lending Manager with any issues or concerns there may be within the Validation Team
- Responsible for assigning Reconsideration Files and new files to each team member
- Updating and controlling the workload per team member
- Approved Time Tracker for Underwriters and Validators
- Escalation and problem file resolutions
Education
Texas Wesleyan University
Fort Worth, TX05.1993
Skills
- Attention to detail
- Teamwork and collaboration
- Documentation review
- Underwriting guidelines
- Application analysis
- Residential mortgage lending regulations
- Analytical and critical thinking
- Customer service-focused
Awards
- Wells Fargo Home Mortgage Service Excellence Nominations 2009, 2010, 2011, 2012 & 2013
- Certificate of Quality - Underwriting 100% - 2010, 2011
- Employee of the Month - November 2010
Certification
- FHA/VA Underwriting Certifications (DE, LAPP/SAR)
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
Timeline
Premier Processor
Mortgage Processing Group LLC
09.2024 - Current
HE Loan Underwriter IV -Disposition Desk
TD Bank, N.A.
08.2022 - 09.2024
Retail Underwriter III
LoanDepot LLC
11.2020 - 06.2022
DTC Underwriter
Caliber Home Loans
04.2019 - 10.2020
Senior Underwriter
Veterans United Home Loans
09.2016 - 11.2018
Senior Underwriter - Correspondent & Wholesale
CMG Financial
07.2014 - 08.2016
Lending Manager 1
Wells Fargo Private Mortgage Banking
07.2012 - 10.2013
Consumer Loan Underwriter III/Team Lead
Wells Fargo
12.2011 - 07.2012
- FHA/VA Underwriting Certifications (DE, LAPP/SAR)
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
Texas Wesleyan University
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