BRANDILYN TETT
WYOMING,US
Summary
Analyzed and underwrote multiple mortgage loan types—conventional, FHA, and jumbo—to support investor guideline compliance and maintain loan product quality.
Overview
1
1
Certification
14
14
years of professional experience
Work History
SR. LOAN SPECIALIST
U.S. Small Business Administration
Remote
01.2023 - 12.2023
- Supported disaster loan assistance for homeowners, renters, and businesses by reviewing applications for property repair, rehabilitation, or replacement.
- Checked loan paperwork to confirm eligibility and align submissions with program guidelines.
- Explained loan decisions and guided applicants through requirements and process steps.
SENIOR MORTGAGE UNDERWRITER
Community Loan Servicing
Horsham, PA
04.2021 - 11.2022
- Conducted comprehensive underwriting for diverse mortgage loans, ensuring compliance and quality.
- Analyzed loan documents meticulously, providing precise underwriting decisions to stakeholders.
- Streamlined credit evaluations, enhancing accuracy and efficiency of loan processing.
- Communicated decisions clearly, offering guideline insights to improve understanding.
- Maintained high productivity, meeting strict turnaround times consistently.
SENIOR MORTGAGE UNDERWRITER
American Financial Corporation
Aurora, CO
11.2019 - 12.2020
- Evaluated mortgage applications, ensuring strict adherence to FNMA, FHLMC, and FHA standards.
- Analyzed borrower profiles and financial documents, providing detailed risk assessments.
- Collaborated with teams to resolve loan conditions, enhancing processing efficiency.
- Guided team members in understanding underwriting guidelines, fostering skill development.
- Evaluated complex borrower profiles to ensure accurate risk assessment, resulting in improved loan approval rates and minimized default risks.
- Streamlined the underwriting process by implementing new documentation protocols, leading to faster loan approvals and enhanced customer satisfaction.
CORRESPONDENT UNDERWRITER III
Northpointe Bank
Grand Rapids, MI
09.2017 - 09.2019
- Evaluates mortgage applications for compliance, enhancing accuracy and reducing risk.
- Collaborates with loan officers to resolve issues, improving processing speed and efficiency.
- Verifies loan documents for completeness, ensuring adherence to guidelines and standards.
SENIOR MORTGAGE UNDERWRITER
United Wholesale Mortgage
Troy, MI
09.2012 - 09.2017
- Analyzed loan files, ensuring compliance with regulations, improving approval accuracy.
- Evaluated credit, income, and collateral for quality assurance, enhancing loan integrity.
- Provided guideline interpretations to processors and brokers, ensuring seamless operations.
- Streamlined underwriting processes, enhancing turnaround time for loan approvals, contributing to improved client satisfaction.
- Fostered strong relationships with loan processors and brokers, providing guidance and support to navigate the loan review process.
- Maintained rigorous documentation standards, ensuring adherence to all regulatory requirements and minimizing audit risks.
- Evaluated borrower creditworthiness and risk factors to ensure compliance with lending guidelines.
MORTGAGE UNDERWRITER
BMO US
12.2024 - 06.2026
- Analyzed residential loan files ensuring compliance with Fannie Mae and Freddie Mac guidelines.
- Underwrote first mortgages and home equity loans, ensuring high-quality investment products.
- Verified data accuracy and maintain clear communication with loan officers and processors.
- Meet productivity standards and adhere to underwriting turnaround times.
- Guided branch staff on underwriting policies and guideline interpretations.
- Executed comprehensive analysis of residential loan files, ensuring compliance and preventing potential financial discrepancies.
- Evaluated credit packages and collateral for mortgages, facilitating high-quality loan approvals and minimizing risk exposure.
Education
DIPLOMA - undefined
Waverly High School
Lansing, MISkills
- Managed underwriting credit analysis, FNMA loan processing, mortgage servicing, and lending/escrow administration while ensuring compliance with TILA and fair housing regulations using Microsoft Office, Microsoft Excel, and Microsoft Word
Certification
Direct Endorsement, Certified Anti-Money Laundering Specialist
Timeline
MORTGAGE UNDERWRITER
BMO US
12.2024 - 06.2026
SR. LOAN SPECIALIST
U.S. Small Business Administration
01.2023 - 12.2023
SENIOR MORTGAGE UNDERWRITER
Community Loan Servicing
04.2021 - 11.2022
SENIOR MORTGAGE UNDERWRITER
American Financial Corporation
11.2019 - 12.2020
CORRESPONDENT UNDERWRITER III
Northpointe Bank
09.2017 - 09.2019
SENIOR MORTGAGE UNDERWRITER
United Wholesale Mortgage
09.2012 - 09.2017
DIPLOMA - undefined
Waverly High School