Brenda Sotolongo Neil
Littleton,CO
Summary
Experienced underwriter with a proven track record of accurately assessing various loan types over a 20-year career. Consistently delivering timely decisions that drive successful closings. Driven to surpass established goals and passionate about utilizing technical expertise to ensure optimal outcomes for clients and the organization. Committed to continuous improvement and achieving excellence in all aspects of underwriting.
Overview
22
22
years of professional experience
Work History
Pre-Finding, Post-Closing Quality Control and Early Payment Default Auditor
Indecomm
07.2024 - Current
- Reviews loans for compliance of investor and industry guidelines.
- Cites deficiencies found in the loan package that would render the loan unsaleable.
- Responds to all rebuttals of cited findings.
- Recalculating income and debt to insure loan qualifies as underwritten.
- Re-evaluates loan data integrity.
- Works with in clients and Indecomm’s data bases to access loan Documents.
Concierge
Morning Star Senior Living
05.2023 - Current
Underwriter/Team Lead (National Correspondent Lender)
American Financing
07.2014 - 11.2022
- Underwrote VA, FHA, USDA, CHFA and other Special State Programs (HFA) and Conventional loans.
- Reviewed loans submitted by loan officers to ensure compliance of investor and industry overlays and QM qualifications.
- Reviewed appraisal for property compliance.
- Created conditions to minimize non-compliant loans and assists in clearing conditions investors found deficient.
- Continued to participate in investor and industry seminars, webinars and classes to stay current with industry changes.
- Working in the Byte system.
- Training new underwriters coming into the company.
- Queue Management.
- Communication between underwriters and VP of underwriting. One On Ones with Underwriters to ensure company goals, personal goals and training opportunities are met and.
Underwriter (Correspondent Lender)
Rocky Mountain Mortgage Specialists, Inc.
08.2012 - 06.2014
Asset Manager for Citi and Fannie Mae
PMH Financial
09.2008 - 08.2012
Processing Center Manager
Home Savings of America (HSOA) formally known as NMC Mortgage
02.2008 - 08.2008
Underwriter II
First Horizon Home Loan Corporation (Wholesale)
06.2003 - 08.2007
Education
Associate of Applied Science Degree - undefined
Arapahoe Community College
Littleton, ColoradoSkills
Attention to detail
Accurate
Collaborative
Knowledgeable on guidelines
Additional History
Additional History in Loan Processing for Franklin Mortgage, Interior Design and Nanny/Child Care.
Timeline
Pre-Finding, Post-Closing Quality Control and Early Payment Default Auditor
Indecomm
07.2024 - Current
Concierge
Morning Star Senior Living
05.2023 - Current
Underwriter/Team Lead (National Correspondent Lender)
American Financing
07.2014 - 11.2022
Underwriter (Correspondent Lender)
Rocky Mountain Mortgage Specialists, Inc.
08.2012 - 06.2014
Asset Manager for Citi and Fannie Mae
PMH Financial
09.2008 - 08.2012
Processing Center Manager
Home Savings of America (HSOA) formally known as NMC Mortgage
02.2008 - 08.2008
Underwriter II
First Horizon Home Loan Corporation (Wholesale)
06.2003 - 08.2007
Associate of Applied Science Degree - undefined
Arapahoe Community College
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