Brenda Casanova

• Assisted clients with the purchase or sale of residenti properties.
• Developed marketing strategies for property listings including online advertising campaigns.
• Negotiated contracts and agreements between buyers, sellers, and other parties involved in real estate transactions.
• Managed client inquiries regarding rental availability, lease terms and conditions.
• Attended networking events to build relationships with industry professionals such as attorneys and mortgage brokers.
• Organized open houses and other events to showcase properties to potential buyers.
• Provided guidance to buyers on how to obtain financing options from lenders.
• Gathered feedback from customers after completion of each transaction in order to improve services provided.
• Followed up with past customers periodically in order to maintain long-term relationships.
• Coordinated home inspections and appraisals with third-party vendors.
• Updated listing information on websites like Zillow and Trulia regularly in order to maximize exposure of properties listed.
• Maintained accurate records of all transactions throughout the entire process of buying and selling a property.
• Conducted comparative market analysis to estimate properties' value.
• Communicated regularly with clients through phone calls and emails about progress of their transactions.
• Drafted contracts, purchase agreements, closing statements and leases.
• Provided client guidance regarding market conditions, mortgage options, and legal requirements.
• Coordinated property tours and communicated with buyers to assist with inspections and appraisals.
• Identified potential buyers through cold calling.
• Developed and presented purchase offers to sellers for consideration.
• Liaised between sellers and buyers for profitable and efficient sales.

• Requested additional information for applications and documents when necessary.
• Collaborated with loan originators and processors to correctly review and assess applications and risks.
• Determined loan eligibility and approved or rejected applications.
• Maintained compliance with company and regulatory policies.
• Analyzed loan risk and reviewed loan conditions and requirements.
• Delineated reasons for application approvals and rejections.
• Reviewed and evaluated loan applications and supporting documents.
• Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
• Evaluated loans against portfolio and investor guidelines.
• Researched applicant employment and financial histories to confirm document accuracy.
• Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
• Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
• Issued clear written conditions for approval of mortgage loans.

• FHA, VA CREDIT, USDA AND CONVENTIONAL ASSIGNED LOAN
• CREDIT, INCOME AND ASSET REVIEW ACCORDING TO AGENCY GUIDELINES
• Property Reviews issuing FHA Conditional Commitments
• Maintain Daily underwriting quotas as assigned by management
• Meet all Service Level agreements set forth by manager
• Communicated with all applicants and internal team members to discuss identified conditions needed for approval.
• Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
• Evaluated mortgage loan risk based on sound underwriting decisions.
• Determined loan completeness and accuracy by thoroughly analyzing credit documents, including mortgage applications, income documents, appraisals and property valuations.

• Approved and Certified to complete IRS returns
• Customer Service skilled
• Commissioned based income
• Generated New Clients

• Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment
• Proven Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements
• Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality
• Thoroughly completed FHA, VA CREDIT AND USDA loan reviews to meet guidelines as well as FNMA AND FHLMC

• Complete a thorough analysis, with high degree of attention to detail of complex loan documentation
• Ensured compliance with FNMA/FHLMC agencies including HUD, and VA for accurate Investor Reporting
• Quality Control Audit checks for compliance with AUS FINDINGS
• Production reporting within the established due dates
• Verify debt and income ratios
• Proven ability to meet deadlines
• Resolved conflicts and negotiated agreements between parties in order to reach win-win solutions to disagreements and clarify misunderstandings
• Conducted analysis to address defects which led to reduced investor findings

• Skilled in Manual underwriting including complex loan reviews
• Consulted with sales to offer loan solutions for difficult files
• Able to maintain pre-fund quality control errors below 5%
• Decision a full range of mortgage loans, FHA, VA, MCC, USDA, and BOND loans
• Approve or deny loans based on investor or agency loan guidelines and overlays ensuring data accuracy
• Complex income, cash-flow analysis of Individuals, S-Corps, Partnerships, Rental Properties, and Trusts Restructure loans recommended for denial and present counter offer options that are compliant with guidelines and remaining at an acceptable level of risks
• Proactively manage assigned pipeline to meet daily required production set by management

• Completed training for team members to achieve daily productions set by upper management
• Proven history of developing strong relationships with customers and team members
• Lead by example and participate as an effective member of Management
• Mentor and trained processing staff to underwrite and condition loans within a specified scope
• Ensured accurate, thorough and equitable completion by consistently utilizing applicable audit checks
• Met underwriting production goals as established in cooperation with the Manager
• Managed team of 10 Underwriters, cultivating positive atmosphere and instilling model of dedication
• Conducted employee one-on-one meetings to evaluate performance, resolve issues and provide job coaching
• Ensure underwriters are verifying all documentation with regards to income, credit, appraisal and title information.
  • Review files, which have been suspended by underwriters before denial process.
  • Train branch/division staff on underwriting and doc requirements.
  • Decision files that are exceptions to the guidelines
  • Leads, coaches, supports, and motivates Mortgage Underwriting team to achieve underwriting, service, and operational goals
  • Partner with RE sales and operations for increased collaboration,
  communication and process improvement

Senior Mortgage Underwriter FHA D.E. 2005 Wells Fargo Home Mortgage

• Met Daily Production and Pre fund Quality control errors set by company
• Evaluate credit history, employment history, and financial status of mortgage loan files to determine credit worthiness in compliance with the guideline requirements
• Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Non conforming
• Ensure compliance with federal agencies including FNMA, FHLMC, HUD, and VA Understanding
• Solid knowledge of mortgage underwriting policies, guidelines, AUS findings and seasoned on manual requirements

Quality Assurance Manager / Senior Underwriter Wells Fargo Home Mortgage

• Led audit reviews from attorneys with Wells Fargo Bank foreclosures
• Managed team members
• Conducted Site Audit Reviews with law firms requesting missing documentation

Senior Mortgage Underwriter Wells Fargo Home Mortgage / Sr. Processor / Mortgage Closer / Wells Fargo & Company

• Participated in Mortgage Closings, preparing of closing packages worked closely with New Construction loans
• Conventional, Bond, FHA and VA loan submissions in accordance with underwriting guidelines to ensure investor and agency and regulatory compliance, including Non Conforming Jumbo loans
• Exceptional Subject Matter Expert, utilized in side by side training of new hires Maintained daily production goals
• Approve or deny loans based on investor or agency loan guidelines and overlays