Summary
Overview
Work History
Education
Skills
Timeline
Hi, I’m

Brenette King

St Louis,MO
Brenette King

Summary

Results-oriented professional with a strong background in mortgage processing and underwriting, seeking a challenging position as a Data Analytic Analyst. Committed to providing superior service and maintaining client satisfaction. Summary of Qualifications: 7+ years of experience in mortgage processing and underwriting, demonstrating a deep understanding of the industry's regulations, guidelines, and best practices. Proven track record in assessing and evaluating complex files, ensuring accuracy, and adhering to procedures and requirements. Proficient in conducting comprehensive reviews and analyzing risks and resolving complex issues to maximize outcomes. Strong analytical and problem-solving abilities, with the capability to identify fraud indicators and mitigate potential risks. Excellent communication skills, both verbal and written, enabling effective interaction with clients, colleagues, and stakeholders at all levels. Highly organized with exceptional attention to detail, ensuring all documentation and reports are accurately maintained and submitted within set deadlines. Ability to adapt quickly to changing priorities and handle a high volume of cases while maintaining a high level of accuracy and professionalism. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

10
years of professional experience
2
years of post-secondary education

Work History

Renovo Financial Company

Loan Closer/Coordinator
06.2022 - Current

Job overview

  • Collaborated closely with loan officers, underwriters, and legal professionals to facilitate the efficient and accurate closing of commercial investment loan transactions
  • Conducted a comprehensive review of loan documentation, ensuring compliance with internal policies, regulatory requirements, and investor guidelines
  • Reviewed and evaluated commercial insurance policies to determine if coverage meets the requirements of the lender and to mitigate any potential loss
  • Verified accuracy and completeness of loan packages, including loan applications, credit reports, income documentation, and legal forms
  • Resolved any discrepancies or issues identified during the closing process by communicating with relevant stakeholders and obtaining necessary documentation
  • Prepared and reviewed closing statements, settlement statements, and other loan closing documents
  • Coordinated with title companies, attorneys, and other parties to schedule loan closings and ensure all required documents were prepared and available
  • Communicated with borrowers and provided explanations regarding loan terms, closing procedures, and any necessary documentation
  • Ensured timely delivery of loan documents to investors, ensuring compliance with all funding and delivery requirements
  • Maintained accurate records of loan closing activities, including tracking key milestones, updating databases, and preparing reports for management
  • Stayed updated on industry regulations, guidelines, and best practices related to loan closing and documentation.

Fairway Independent Mortgage Corp

Underwriter
10.2020 - 03.2022

Job overview

  • Assessed underwriting guidelines, company policies, and industry regulations to make informed decisions
  • Analyzed mortgage applications, verifying borrower information, employment history, creditworthiness, and collateral value to assess loan eligibility
  • Reviewed and evaluated loan documentation, including income statements, tax returns, credit reports, and appraisals, to determine compliance with lending guidelines
  • Reviewed and evaluated insurance policies to determine coverage meets the requirements of the lender
  • Identified potential risks and red flags, conducting thorough due diligence and recommending appropriate mitigating measures
  • Communicated with borrowers, loan officers, and other stakeholders to gather missing or additional documentation and clarify information as needed
  • Coordinated loan closings, ensuring all required documents were prepared accurately, and all conditions were met before final approval
  • Collaborated with underwriting team members, providing support and assistance when needed, to ensure efficient loan processing and adherence to service level agreements
  • Assured compliance with bank, regulatory and investor guidelines, and customer service standards
  • RESPA, TILA, FCRA, HMDA etc
  • Navigating multiple systems to complete various task needed for files
  • Applications used: Encompass, DataTree, FHA connection, Factual data, Outlook, Microsoft Office, Microsoft teams, Webex, Simplifile, FraudGuard, First American, Zoom

U.S. Bank
Saint Louis, MO

Loss Mitigation Jr Underwriter
11.2013 - 10.2020

Job overview

  • Prepares and processes mortgage loan records, files and correspondence from application through approval
  • Assures compliance with bank, regulatory and investor guidelines and customer service standards
  • Communicates with customers, internal staff, brokers, counsel, title companies, etc
  • To respond to inquiries, resolve problems and obtain necessary documentation required for the file
  • Applications used: salesforce, lending portal system, ECM (electronic document upload system), Back in The Black, FHA connections, IBM Lotus Notes, Early Resolution, Equifax, mainframe, document velocity, Early Resolution Borrower Portal
  • Working with government investors: VA, FHA, USDA
  • Research root cause analysis to the origination of errors
  • Identifies gaps in policies and procedures to avoid mortgagor harm
  • Educate internal customers regarding loss mitigation underwiter policies, procedures and regulations
  • Assist senior leadership with data analysis
  • Communicate with senior underwriters to ensure accuracy of files
  • Training/mentoring new employees (loss mitigation, foreclosure, bankruptcy procedures)
  • Perform quality assurance audits of phone calls, email communications, and loss mitigation processes
  • Assisted upper management with key metrics to improve the quality of the loss mitigation process and customer satisfactions
  • Maintain a caseload of 200+ loans

Education

Lindenwood University

Bachelor of Science from Health Management
11.2013 - 05.2015

University Overview

Lindenwood University
Saint Charles, MO

Bachelor of Science from Computer And Information Systems Security
01.2023 - Current

University Overview

Skills

Financial analysis and interpretationundefined

Timeline

Lindenwood University
Bachelor of Science from Computer And Information Systems Security
01.2023 - Current
Loan Closer/Coordinator
Renovo Financial Company
06.2022 - Current
Underwriter
Fairway Independent Mortgage Corp
10.2020 - 03.2022
Lindenwood University
Bachelor of Science from Health Management
11.2013 - 05.2015
Loss Mitigation Jr Underwriter
U.S. Bank
11.2013 - 10.2020
Brenette King