BRANDIE BULLOCK
Maricopa,AZ
Summary
Mortgage Lending/Underwriting experience in residential conventional, FHA and home equity loans. Experience in meeting compliance guidelines for mortgage lending products while working in a fast paced environment independently, as well as a team setting. Excellent verbal and written communication skills, including ability to articulate the borrower’s financial profile and associated risks.
Overview
14
14
years of professional experience
Work History
Group Life Underwriter
Amalgamated Benefits
09.2022 - Current
- Processed eligibility and benefits verification and authorization requests.
- Followed up on denials, late payments, extensions and other special circumstances.
- Utilized Software to document and track customer account details.
- Reviewed outstanding requests and redirected workloads to complete projects on time.
- Worked to accommodate new and different insurance requests and explored new value opportunities to optimize insurance agency reputation.
- Cultivated new business by offering presentations on financial well-being to individuals and groups on term and whole life insurance.
Conventional Mortgage Underwriter
Guaranteed Rate Inc
10.2020 - 06.2022
- Underwriting of conventional residential loans for FNMA and FHLMC ensuring compliance with appropriate company and investor standards
- Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, or other supporting documentation to recommend or approve requests Review employment documentation and calculate income documentation for completeness and accuracy per guideline requirement
- Perform business financial statement analysis along with complex income / tax return analysis (business and personal tax returns)
- Partner and collaborate with Mortgage consultants, loan processor, and Vice president of lending)
- Implementation of fraud detection and prevention techniques
Conventional Underwriter/Collateral Underwriter
One American Mortgage
09.2019 - 09.2020
- Underwriting of conventional residential mortgage loans for FMNA and FHLMC ensuring compliance with appropriate company and investor standards
- Respond to all inquiries in a timely manner as established by company SLA’s
- Cross-train on other operational duties as back up is needed
Junior Underwriter
Cascade Financial
10.2017 - 08.2019
- Supporting newly originated residential retail mortgage loan applications, including FHA, VA,
- USDA, and Freddie Mac purchases, refinances, streamlines, IRRRLs, and construction- to- permanent loans
- Analyzing employment, credit, income, assets, purchase contracts, collateral, title, and other conditions submitted by the Sr
- Assisting Underwriter in initial underwriting of loan file where needed.
Life Underwriting Specialist
Northwestern Mutual
10.2015 - 03.2017
- Reviewing, analyzing and approving insurance applications up to (US $1,000,000)
- Assess accounts to determine acceptability
- Establish types and limits of coverage to be provided
- Collaborate with underwriting team and other departments
- Maintain familiarity with state laws and filing requirements to properly transact business
- Monitor amount of insurance in force.
Home Equity Underwriter/Short Sale Negotiator/Team Lead
JPMorgan Chase
11.2009 - 10.2015
- Analyze structure, underwrite and apply needed conditions to home equity applications to assure borrower meets program/product specifications
- Implementation of fraud detection and prevention techniques
- Perform business financial statement analysis along with complex income / tax return analysis (personal and business tax returns) and credit analysis.
- Partner and collaborate with Mortgage consultants, loan processor, relationship banker, private banker, and wealth management team
Education
Some College (No Degree) - Business Administration
Bryant & Stratton College
Some College (No Degree) - Business Management
Central State University
Skills
- High attention to detail and accuracy
- Strong Analytical skills
- Team member
- Client assessment and analysis
- Risk assessments
- Team leadership
- Customer service
- Organizational skills
- AUS - DU/LP
- Negotiating
- Problem Solving skills
- Encompass
- FNMA and FHLMC
- Mortgage Lending Experience
- Microsoft Word
- Microsoft Excel
- Pipeline Management skills
- Microsoft Office skills
- Analyzing complex data
- Ability to adapt to change
Timeline
Group Life Underwriter
Amalgamated Benefits
09.2022 - Current
Conventional Mortgage Underwriter
Guaranteed Rate Inc
10.2020 - 06.2022
Conventional Underwriter/Collateral Underwriter
One American Mortgage
09.2019 - 09.2020
Junior Underwriter
Cascade Financial
10.2017 - 08.2019
Life Underwriting Specialist
Northwestern Mutual
10.2015 - 03.2017
Home Equity Underwriter/Short Sale Negotiator/Team Lead
JPMorgan Chase
11.2009 - 10.2015
Some College (No Degree) - Business Administration
Bryant & Stratton College
Some College (No Degree) - Business Management
Central State University
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