Brandy Warren
Summary
Results-driven professional with over 15 years of extensive sales and leadership experience. A dynamic and effective communicator with a proven track record of innovation and strategic thinking.
Overview
16
16
years of professional experience
Work History
Real Estate Loan Officer
Peoples Bank And Trust
01.2023 - Current
- Residential mortgage and commercial loan origination, processing, underwriting and closing
- Prepare files for processing, underwriting, loan committee and private mortgage insurance companies
- Create strategies to establish and nurture relationships with business partners with proven results
- Increased market share by 4% in 2023 with almost 6 million of self sourced mortgage loans.
- Provide financial analysis and guidance to the executive team, contributing to sound decision-making processes related to interest rates, loan pricing, and overall lending profitability
- Created comprehensive training programs for lending staff, emphasizing skill development and ensuring that team members were well-equipped to excel in their roles
- Driving commitment to corporate social responsibility by leading employee volunteer programs, participating in community events, and fostering meaningful relationships with local organizations, ultimately reinforcing the company's dedication to making a positive and lasting contribution to the community
Real Estate Loan Officer
Credit Union of America
06.2019 - 01.2023
- Originated, processed and underwrote loan applications and monitored progress from start to finish.
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated processes and procedures and suggested improvements which were implemented
- Provided resources and instituted protocols for HMDA reporting guidelines
- Managed real estate closing process in compliance with applicable standards and legal requirements.
- Increased market share by over 82%
Mortgage Loan Specialist
Wichita Federal Credit Union
08.2018 - 06.2019
- Complete mortgage applications for submission to loan processing and underwriting, loan committee and mortgage insurance companies
- Served as a team lead, providing resources and guidance on secondary market and portfolio loans
- Engaged proactively in the budgeting process, contributing to the establishment of lending objectives
- Collaborated with senior executives to align learning and development initiatives showcasing the ability to integrate leadership principles into strategic planning
- Expanded business partner relationship through professional community organizations and activities to promote and market loan products
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Participated in industry events and conferences to build relationships and gain market intelligence.
Client Service Associate
Ameriprise Financial
12.2017 - 08.2018
- Provide Financial Advisor support with account information and quotes
- Established new procedures for opening special accounts
- Created analysis reports for account review
- Executed stock trades
- Maintain files for regulatory requirements including creating reports and database
Assistant Vice President of Loan Processing
Heartland Credit Union
04.2012 - 12.2017
- Supervised large team of documentation specialists producing loan packages for Real Estate, Commercial, Indirect and Consumer loans
- Led cross-functional teams in the design and execution of training programs, fostering a culture of continuous learning and professional growth among team members
- Led weekly meetings and special sessions of management teams and contributed to major administrative initiatives, policies and decisions
- Directed implementation of transition to Wolters Kluwer loan documentation
- Formulated policies and procedures for an expanding mortgage department, incorporating the TRID conversion
- Established and implemented procedures for Indirect Lending in collaboration with management, underwriting and dealerships
- Implemented a tracking system for UCC filings and their expiration within Episys
- Fostered a culture of innovation by encouraging and recognizing creative solutions within the processing team, demonstrating leadership that encourages out-of-the-box thinking
- Collaborated with Project Managers and Programming to build loan and deposit types for promotional programs
- Attended Jack Henry conferences
- Ensured new loan packages are processed and completed according to established best practices, policies and to comply with all state and federal regulations
- Defined problems, collected data, established facts, drew valid conclusions and created solutions
- Resolve customer service issues in timely and accurate manner including deposit and loan corrections
- Allocated work assignments and tasks to comprehensively manage administrative projects.
- Created and implemented account support for large relationship members
- Provided effective communications and professional partnerships with management, loan officers, underwriters and members
- Oversaw operating systems to assist senior leadership and over thirty staff members
- Developed and executed policy and procedures for mortgage documentation handling following an FHLB audit
- Ensured compliance with organizational policies and State and Federal laws and regulations, actively engaging with examiners
Manager
Hutchinson Zoo Gift Shop
05.2008 - 04.2012
- Greet and direct patrons to zoo activities
- Balance daily and monthly deposits of gift shop and donation funds
- Implement new inventory and back stock system
- Provide support and training for volunteer staff
- Direct fundraising events
Client Associate
Wells Fargo Advisors
06.2010 - 11.2011
- Provide Financial Advisor support with account information and quotes
- Establish new accounts and provide research reports
- Maintain files for regulatory requirements including creating reports and databases
Education
Accounting
Brown Mackie College
Salina, KSSkills
- 15 Years of customer service and sales experience
- 10 Years of management experience in financial and retail operations
- 10 Years of Processing and Originating Consumer, Commercial and Secondary Market mortgage loans
- 5 Years of Processing Indirect and Consumer Loans
- Staffing, Training and working in team environment
- Partner Relationship Development and Negotiation
- Strategic planning including problem solving, implementing processes, budgeting, and staffing requirements
- Educated in Fannie Mae, Freddie Mac and government mortgage products
- Financial Data Processing and Account Servicing
- Proficient in Microsoft Office Suite, Mortgagebot, Byte, Mortgage Cadence, Encompass, QuestSoft, CU Direct Lending 360, Routeone, Jack Henry, iCore
Timeline
Real Estate Loan Officer
Peoples Bank And Trust
01.2023 - Current
Real Estate Loan Officer
Credit Union of America
06.2019 - 01.2023
Mortgage Loan Specialist
Wichita Federal Credit Union
08.2018 - 06.2019
Client Service Associate
Ameriprise Financial
12.2017 - 08.2018
Assistant Vice President of Loan Processing
Heartland Credit Union
04.2012 - 12.2017
Client Associate
Wells Fargo Advisors
06.2010 - 11.2011
Manager
Hutchinson Zoo Gift Shop
05.2008 - 04.2012
Accounting
Brown Mackie College
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