Brenda Cannon

Served as a subject matter expert within a team of20+ on lending policies and industry best practices, training new hires when needed.

• Managed a diverse portfolio of loans, prioritizing tasks to meet deadlines while maintaining accuracy and attention to detail.
• Resolved complex issues related to loans, working closely with various departments to find effective solutions.
• Developed training materials for new staff on loan administration procedures and best practices.
• Implemented process improvements that reduced application turnaround time and increased customer satisfaction.

• Encompass Operating System
• Controlled file from Initial disclosing to Closing – Post Closing

• Supervised and trained the work of 4-7 processors
• Encompass System
• Retail Processing Conventional, FHA, VA, USDA, Non- Residential mortgage:
• Working Consumer and Commercial banking division, maintaining pipeline of 80 plus loans average closing 30plus monthly, commercial loans up to75 million
• Calculating Income, DSCR, boarding loans, reviewing appraisal, retrieving SBA documents assuring loan meet guidelines
• Corresponding with MLO's, borrowers, Escrow on loan status and closing

• Retail Processing Conventional, FHA, Jumbo loans
• Process loans in all 50 States, from opening to post closing
• Average closing of 50 plus loans per month
• Assigned USAA and VA mortgages
• Responsible for initial opening and disclosing loans
• Ordering Appraisal, Title, Escrow
• Calculating Income, Taxes, debt ratio', reviewing complete application running DU, LP and assuring loan meet guidelines
• Corresponding with MLO's, borrowers, Escrow on loan status and closing Sending out CD's and scheduling closing
• Proactively identified solutions for customers experiencing credit issues.

• Multi Residential loan division
• Assembling documentation boarding into AFS system, calculation DSR, ordering business credit reports, Reviewing Title reports and assisting with clearing liens, setting up Trust Accounts, monitor closing.

• Responsibilities included reviewing and funding complex construction draws for apartments, retail, industrial and office building projects nationwide.
• Analyzing income, credit, and appraisal to determine compliance with investors guidelines, risk to lender, state and regulatory requirements before rendering final loan decision.
• Structure best loan product, ensuring proper product pricing, and that predatory lending are not in practice.