Brian Jorgensen
Cottonwood Heights,UT.
Summary
Dedicated mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
14
14
years of professional experience
Work History
Underwriting Manager
City Lending Inc.
Salt Lake City, UT
03.2021 - 06.2022
- Led high performing mortgage Underwriting team, acting as liaison with department teams. 150+ loans/month.
- Implemented FIFO and two-hour window concepts improving service levels for sales from 30 to 15 days.
- Designed Underwriting department compensation plan for HR conducive to the market.
- Developed effective pipeline management dashboards with IT reducing Underwriting service level agreement from 72 to 24 hours and lowered compliance violations to under 30 days.
- Restructured Conventional, FHA, VA and daily operational policy manuals.
- Partnered with Post Closing department lowering warehouse line from 50+ to 10 days.
- Trained multiple teams on appraisal review, new 1003 and proper income calculation processes.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
Underwriting and Operations Manager
Hometown Equity Mortgage
Salt Lake City, UT
08.2020 - 03.2021
- Mentored Set Up, Disclosure, Account Managers, Underwriting and Closing Teams for eastern team of United States, servicing 275 wholesale brokers.
- Increased Underwriting staff from 15-35 employees within 90 days. Hiring, Training and Coaching.
- Partnered with Sales Associates and Post Closing Team to reduce suspense from 5% to 1.5%.
- Monitored pipeline management in Encompass and ensured compliant 2nd level review process.
- Coordinated Process Improvement with Senior Management and Partner Ownership.
Regional Operations Manager
Guaranteed Rate
Salt Lake City, UT
03.2020 - 08.2020
- Established improved processing service levels-3 weeks to 10 days.
- Coached POD Model-Processor Integration with Sales and Closing teams.
- Recommended restructured loan submissions for quality improvement for investor delivery by mentoring sales partners.
- Responsible for training and staffing implementation for front and back processing teams for 30 employees.
- Performed daily pipeline dashboard management-Encompass and proprietary system, ensuring adherence to adverse actions as required for HMDA compliance.
Operations and Underwriting Manager
Guild Mortgage Company
Salt Lake City, UT
05.2015 - 06.2019
- Coordinated Underwriting and Closing team work flows that partnering with 18 sales offices, averaging 225+ loans underwritten and 175+ closed loans/per month.
- Implemented underwriting scenario desk supporting sales partners by rotating staff to research and provide loan programs guidance for loan restructuring opportunities.
- Provided effective pipeline management via operational dashboard-My Key & Blitz platforms.
- Reduced post closing suspense rate from 8 to 2%.
- Designed "Appraisal 25 Hot Spots" training program.
- Trained Underwriters in evaluating debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions.
Senior Mortgage Underwriter
Academy Mortgage Corporation
Salt Lake City, UT
02.2012 - 03.2015
- Underwrote 50+ mortgage loans/month-Conventional and Government (FHA DE and VA LAPP/SAR) and USDA loans.
- Underwriter and Coach for largest sales production office within company.
- Mentored processing team members to communicate errors and obtain missing information for current applications, improving SLAs 30-15 days.
- Performed delegated Jumbo Underwriting-$1.5MM Approval authority (Chase & Bank of America).
Senior Mortgage Underwriter
Republic Mortgage
Salt Lake City, UT
09.2010 - 02.2011
- Underwriter for Conventional and Government (FHA DE and VA LAPP/SAR) and USDA loans.
- Streamlined process to improve timely delivery of closings and decreased underwriting SLA turn times from 72-24 hours.
- Advised sales staff on restructured loans; acted as liaison for investors-Conventional and FHA.
- Assured loan quality and compliance reducing processing SLA turn times from 3 weeks to 15 days.
- Increased loan underwriting production from 23-55 loans/month, while achieving loan suspense rate of less than 1%.
Operations Manager
Bank of America Corporation/Countrywide
Salt Lake City, UT
03.2006 - 08.2010
- Led four field operation teams-processing and underwriting. Jumbo UW-$1.5MM Authority.
- Operations Branch of Year-2006 supporting top sales office in region.
- Implemented “Three is Key” program eventually rolled out to entire company and copyrighted.
- Acted as Transition Coach for imaging and paperless systems, reducing expense costs by 40%.
- Chosen to relocate to Anchorage to reorganize failing operation that included fraud and financial mismanagement.
- Implemented operational processes that streamlined and improved loan volume and reduced loan deficiency from 5% to 1%.
- Relocated to Seattle serving as Team Leader to hire and train staff-operational within 60 days.
- Designed loan quality checklists enabling processors to increase error free submissions and reduce deficiency rates from 5% to 2%.
Education
Bachelor of Science - Criminal Justice
University of Phoenix
Las Vegas, NV02.2005
MBA - Global Management
University of Phoenix
Salt Lake City, UT10.2001
Bachelor of Science - Business Administration
Weber State College
Ogden, UT06.1982
Skills
- Judgmental Lending-Operations and Underwriting
- Cost/Benefit Financial Analysis Trainer
- Team Leadership-Coach and Mentoring
- Operational Efficiency-Restructuring Improvement
- Issue Resolution Change Management
- Operations and Risk Management Program Development
- Strategic Planning and Pipeline Management
- Microsoft Suite-Word, Powerpoint and Excel SME-automated underwriting systems-DU, LP and GUS
- Expertise with multiple loan origination systems including Encompass
- FHA DE and VA LAPP/SAR Underwriter
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are.
John R. Wooden
Timeline
Underwriting Manager
City Lending Inc.
03.2021 - 06.2022
Underwriting and Operations Manager
Hometown Equity Mortgage
08.2020 - 03.2021
Regional Operations Manager
Guaranteed Rate
03.2020 - 08.2020
Operations and Underwriting Manager
Guild Mortgage Company
05.2015 - 06.2019
Senior Mortgage Underwriter
Academy Mortgage Corporation
02.2012 - 03.2015
Senior Mortgage Underwriter
Republic Mortgage
09.2010 - 02.2011
Operations Manager
Bank of America Corporation/Countrywide
03.2006 - 08.2010
Bachelor of Science - Criminal Justice
University of Phoenix
MBA - Global Management
University of Phoenix
Bachelor of Science - Business Administration
Weber State College
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