BRIAN REID
Novi
Summary
Highly experienced financial services professional with a proven track record in mortgage origination, risk management, and loan processing. With over 7 years of expertise in the financial sector, I specialize in consumer loans, origination, processing, credit evaluation, and client relationship management.
Overview
13
13
years of professional experience
1
1
Certification
Work History
VA loan Broker
SWIFT HOME LOANS
03.2024 - Current
- Coordinate VA loan applications, ensuring compliance and timely processing, resulting in enhanced client satisfaction
- Analyze financial documents to determine loan eligibility, leading to accurate and efficient approvals
- Collaborate with underwriters to resolve application issues, improving approval rates and client trust
- Streamline VA loan processes, enhancing client satisfaction and closing rates
- Develop innovative strategies to expedite approvals and expand market reach
- Analyze market trends and borrower profiles to optimize loan offerings
- Implement data-driven approaches to improve risk assessment and loan qualification
- Drive significant growth in VA loan originations through targeted outreach and efficient processing
- Consistently exceed performance benchmarks and client expectations
- Foster strong partnerships with lenders, real estate agents, and VA officials to create seamless loan experiences for veterans
- Lead cross-functional teams to resolve complex cases
SENIOR MORTGAGE ORIGINATOR
Rocket Mortgage
09.2019 - 03.2024
- Was a part of company's highest sales team for the year 2022 & 2023
- Received 2022 Love our Client Award for top customer service
- Consistently in the top 10 for division Refinance power banking
- Match clients with optimal mortgage products, ensuring successful loan closures and high satisfaction
- Evaluate financial documents, verify accuracy, and ensure compliance with company lending guidelines
- Conduct thorough creditworthiness assessments, identify risks, and implement mitigation strategies
- Build and maintain strong client relationships through exceptional communication and service
- Monitor and manage mortgage loan portfolios, addressing delinquency issues promptly
- Conducted in-depth financial assessments to evaluate borrower creditworthiness, identifying potential risks and implementing mitigation strategies
- Streamlined loan documentation process, reducing processing time and improving accuracy in determining client creditworthiness
- Fostered strong client relationships through exceptional communication, delivering personalized mortgage solutions and enhancing customer loyalty
- Maintained meticulous compliance with industry regulations, ensuring all lending practices adhered to current guidelines and company standards
- Developed tailored mortgage solutions by leveraging extensive knowledge of diverse loan programs, maximizing client satisfaction and approval rates
AGENT RELATIONSHIP MANAGER
Rocket Mortgage
03.2021 - 03.2022
- Analyzed risk factors of third-party originators using RSA Archer, ensuring compliance and risk mitigation
- Assisted in loan processing and closings, contributing to successful transactions and client satisfaction
- Monitored client portfolios with BlackKnight, identifying opportunities for portfolio optimization
- Updated and improved procedures within vendor management, enhancing operational efficiency
- Developed and maintained vendor relationships, providing quality customer service and fostering business growth
- Partnered with senior team members to develop strategies for increasing vendor engagement, driving new business growth within the organization
- Conducted regular audits of third-party originators, meticulously reviewing processes to maintain compliance standards and minimize operational risks
- Refined procedures within vendor management department, implementing improvements that streamlined operations and enhanced overall efficiency
CREDIT SUPPORT SPECIALIST
Comerica Bank
11.2018 - 10.2019
- Delivered CQR reports and monitored loan covenants, ensuring compliance and accuracy
- Managed statement tracking system, compiling and analyzing customer financial data
- Reviewed and analyzed credit applications, submitting thorough credit analyses to loan committees
- Assisted in preparing credit quality review packages, identifying financial inconsistencies
- Supported internal audits by providing necessary documentation for customer accounts
- Meticulously maintained statement tracking system, ensuring timely monitoring of loan covenants and compliance with financial regulations
- Developed new approach to financial document spreading, enhancing data accuracy and expediting credit analysis procedures
SERGEANT - CAVALRY SCOUT
U.S Army National Guard
08.2011 - 04.2019
- Led a team of 15 soldiers, ensuring mission success and operational readiness through rigorous training
- Coordinated logistics and resources for complex operations, achieving high efficiency and minimal downtime
- Implemented safety protocols, reducing incidents and enhancing overall unit safety
- Developed strategic plans for missions, resulting in successful execution and goal attainment
- Fostered a collaborative environment, improving team cohesion and morale
- Commanded tactical operations, ensuring mission success through strategic planning and resource optimization
- Gathered information by dismounted and/or mounted reconnaissance patrols
- Had been responsible for reconnaissance and utilized various weapons to include explosives and mines
- Engaged the enemy with anti-armor weapons and scout vehicles in the field, track and report enemy movement and activities, and will direct the employment of various weapon systems onto the enemy
- Operated as one of the first personnel in an area, provide forward reconnaissance and spotting for the U.S
- Army, and find and relay key information about the enemy to commanders and leaders in the field
- Assisted with observation and listening posts, gathering reconnaissance information, performing and helping with navigation, and helping secure and transport ammunition
ASSISTANT BRANCH MANAGER
Wanigas Credit Union
07.2016 - 02.2017
- Coordinated grand opening, driving new business and community engagement, enhancing branch visibility
- Managed daily operations, ensuring efficiency through report generation and team coordination
- Analyzed customer surveys, implemented policies, improving branch functionality and service quality
- Led loan production, increasing originations through business relationships and outreach
- Exceeded sales targets, significantly contributing to branch's financial success
- Managed daily operations, overseeing report generation and sales analysis to ensure streamlined workflow and operational efficiency
- Acquiring originating, processing and closing on consumer loans
- Orchestrated credit union grand opening with strategic marketing, driving new business acquisition and boosting brand awareness
- Spearheaded loan production initiatives, fostering business relationships and community outreach to drive substantial growth in originations
- Pioneered strategic marketing campaigns for credit union launch, catalyzing new business acquisition and elevating brand recognition in the community
- Optimized branch operations through meticulous report analysis and sales tracking, enhancing workflow efficiency and operational performance
Education
BACHELORS OF SCIENCE - FINANCE
Western Governors University
Officer Candidate School - 2020
United States Army- Michigan Army National Guard
08-2020
Skills
- Salesforce
- IMB Data Analytics
- Power BI
- Excel
- SQL
- Python
- Credit Evaluation
- Loan origination
- Underwriting
- Loan Processing Coordination
- NCino
- Financial analysis
- Compliance adherence
Certification
IBM Data Analytics, 2020
Membership
Member of Sigma Lambda Beta International Fraternity Inc.
Awards
- Rocket Mortgage Top Sales Team of the Year - 2022
- Rocket Mortgage 2022 Love Your Client Award Winner
Affiliations
- Sigma Lambda Beta International Fraternity Inc.
- Veteran of Foreign Wars member
Timeline
VA loan Broker
SWIFT HOME LOANS
03.2024 - Current
AGENT RELATIONSHIP MANAGER
Rocket Mortgage
03.2021 - 03.2022
SENIOR MORTGAGE ORIGINATOR
Rocket Mortgage
09.2019 - 03.2024
CREDIT SUPPORT SPECIALIST
Comerica Bank
11.2018 - 10.2019
ASSISTANT BRANCH MANAGER
Wanigas Credit Union
07.2016 - 02.2017
SERGEANT - CAVALRY SCOUT
U.S Army National Guard
08.2011 - 04.2019
BACHELORS OF SCIENCE - FINANCE
Western Governors University
Officer Candidate School - 2020
United States Army- Michigan Army National Guard
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