Brandon L. Howell
Arlington,TX
Summary
Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
18
18
years of professional experience
Work History
Loan Officer
Small Business Administration
Fort Worth, TX
02.2022 - 10.2025
- Aid, counsel, assist and protect the interests of small business concerns.
- Provide disaster assistance in the form of low interest loans to businesses, nonprofit organizations, homeowners, and renters affected by declared disasters.
- Process loan applications on web-based computer system
- Ensure loan files contain all necessary documents to proceed with loan review.
- Review all pertinent facts needed to make eligibility determinations by analyzing factors as the nature and cause of damage.
- Apply accepted financial procedures to analyze financial resources to determine an applicant’s ability to repay requested loans.
- Respond orally and/or in writing to applicants or their representatives.
- Making recommendations or decisions to approve or decline residential or business loans.
- Investigating and evaluating credit histories to determine credit worthiness of individuals or business
Independent Claims Adjuster
Renfroe
Dallas, TX
01.2021 - 01.2022
- Inspect property damage to determine extent of damages
- Analyze complex information from different sources
- Examine claim liability
- Prepare and process claim reports
- Evaluate all information to determine how claim should be handled
- Calculate benefits and payments
- Negotiate settlements with claimants
- Investigate and process insurance claims filed by policyholder
- Interview claimant and witnesses to gather pertinent information
- Prepare and present claims to insurance companies
- Work with attorneys to defend insurer’s position if claim is contested
Sr. Foreclosure Specialist
Rushmore Loan Management Services LLC
Dallas, TX
04.2014 - 09.2020
- Review documents related to the sale of a foreclosed property including liens, inspection reports, appraisals and insurance policies for possible discrepancies.
- Resolve any discrepancies found on the documents related to the sale of a foreclosed property.
- Communicate with the lender, municipal courts, home inspection services and insurance companies to rectify any pending issues impacting established goals.
- File the necessary paperwork, ensuring that deadlines are met, verifying signatures, and attaching addenda confirming validity of legal proceedings.
- Review client’s mortgage payment history and financial documents, such as bank statements and investment portfolios to determine best options to retain property.
Foreclosure Default Specialist II
PennyMac LLC
FT Worth, TX
12.2013 - 04.2014
- Manage and report on financial and accounting aspects of assigned portfolio, including performance and profitability, timelines of disposition, overall characteristics, status and general reporting to senior management.
- Provide useful and timely feedback to management regarding market conditions, problem areas, legislation and any conditions which may impact established goals.
- Accountable for performing all duties in accordance with company policies and procedures and state and federal laws.
- End to end foreclosure process including bidding instructions, valuations, judgment figure breakdowns, revision and initial review of affidavits, pay off requests and other related tasks requested from outside counsel.
- Minimize risk exposure by working in partnership with Foreclosure, Bankruptcy, and REO vendors, in addition to Title Resolution and Closing Attorney resources to administer foreclosure due to complexity (analytical, technical, and business knowledge components).
Mediation Asset Manager/Trial Witness
Nationstar Mortgage LLC
Lewisville, TX
01.2012 - 08.2013
- Appeared telephonically as well as in person for both conference calls and actual court ordered appearances at the county in which the foreclosure is filed.
- Maintained full settlement authority representing Nationstar and/or our investors as well as authority in various loss mitigation workouts: HAMP, Short-Sales, Deed in Lieu, Capitalization Modifications, and other various settlements.
- Provided testimony in court for non-jury foreclosure trial seeking summary judgment
- Held conferences including: judges, Nationstar attorneys, debtor’s attorney, and court appointed mediators.
- Represented Nationstar and our investors in front of judges, court appointed mediators, and potentially news media.
- Responsible for workouts to include making recommendations regarding the approval or denial of requests, negotiating the terms of the agreement, ordering title search appraisals and other information as required.
- Prepare and maintain monthly reports detailing the results of each workout and investor saving.
- Assist in the management of document review and attestation, all court order-ordered hearings, including scheduling, loan history analysis, default representation, and attendance with outside counsel of all telephonic and in person hearings for non-mediation loans.
- Travel and attest to document process or documents signed for court ordered hearings.
- Retrieve and review title, mortgage, note, judgment figures, and breach letter in preparation for non-jury trials, ensuring all documents accurately reflect Nationstar’s database.
- Responsible for managing a portfolio of performing loan assets through the use of proprietary software with attention to detail and timelines. Also, to oversee proper management of individual assets.
Direct Source Foreclosure Specialist
Nationstar Mortgage LLC
12.2009 - 12.2011
- Managed foreclosure timelines and ensures that foreclosure actions commence timely on judicial and non-judicial loans while adhering to investor/insurer, state, and regulatory guidelines, managing risk and ensuring fiduciary compliance is held.
- Self-managed, daily duties include generating and allocation reporting within the department.
- Provide guidance to counsel during the foreclosure proceedings via phone, intercom, and/or email.
- Coordinate with internal document management to ensure all documents required by the courts are completed in an accurate and timely manner.
- Research and resolve title issues with legal and local counsel.
- Manage attorneys to ensure timely facilitation of all foreclosure proceedings.
- Volunteer for one-on-one training with team members and is a subject-matter expert within the group
- Resolve customer delinquency utilizing the most cost effective collections techniques to resolve customer delinquency; Modifications, Short Sales, Deed-in-Lieu.
- Work closely with Collateral Department to maintain status of contracts, sales prices, and closing dates.
- Solicit and engage borrowers to list property on market for Short Sale.
- Proactively communicate and negotiate with customers, attorneys, realtors, and agents in reference to loss prevention and liquidation options.
- Accurately verify and analyze all documentation for the processing of loan modifications; bank statements, credit reports, assets and determine borrower eligibility by calculating DTI.
Loss Mitigation Specialist
Nationstar Mortgage LLC
12.2007 - 11.2009
- Maintained activities on all accounts and collected daily data in all delinquent accounts.
- Monitored and managed all inbound and outbound collection calls.
- Administered collection of mortgage payments and received all outstanding fees.
- Evaluated borrower’s financial condition to prepare strategies in case of nonpayment of debt.
- Monitored loss mitigation process and made borrower follow up.
- Prepared and followed target goals and maintained a proper queue at all times.
- Analyzed and identified problem areas and ensured appropriate resolution.
- Evaluated all loss mitigation files within required timeframe and determined viable options for borrower.
- Prepared records of loan, prepared loan modifications and obtained required title endorsements.
- Assisted borrowers and realtors in loan modification program and planned a repayment option as required.
- Coordinated with agents and borrowers and provided regular status reports for loss mitigation files.
- Managed all communication with borrower and provided required information.
- Monitored customer requests and ensured timely resolution of same.
Education
Bachelor of Science - Criminal Justice
Jarvis Christian College
Hawkins, TX01.2007
Skills
- Ability to effectively present information and respond to questions from groups of managers and line-level employees
- Proficient in loan origination systems
- Detail oriented with the ability to organize and prioritize multiple tasks
- Knowledge of mortgage origination documents, identifying judgments, liens and complex title issues
- Strong ability to communicate with outside vendors for implementation of new and existing processes
- Excellent verbal as well as written communication skills
Accomplishments
- Managed a portfolio of $25 million in active loans with strong performance metrics.
- Reduced delinquency rates by 30% through proactive borrower outreach and payment solutions.
- Maintained audit-ready files with minimal to zero compliance findings.
Timeline
Loan Officer
Small Business Administration
02.2022 - 10.2025
Independent Claims Adjuster
Renfroe
01.2021 - 01.2022
Sr. Foreclosure Specialist
Rushmore Loan Management Services LLC
04.2014 - 09.2020
Foreclosure Default Specialist II
PennyMac LLC
12.2013 - 04.2014
Mediation Asset Manager/Trial Witness
Nationstar Mortgage LLC
01.2012 - 08.2013
Direct Source Foreclosure Specialist
Nationstar Mortgage LLC
12.2009 - 12.2011
Loss Mitigation Specialist
Nationstar Mortgage LLC
12.2007 - 11.2009
Bachelor of Science - Criminal Justice
Jarvis Christian College