Bryan Trayers
Alexandria,VA
Summary
Highly self-motivated Finance and Banking Business Professional with 10+ years of experience focused in mortgage loan origination, underwriting, and customer service. A strong team player with excellent communication, organization, and interpersonal skills. A creative problem solver with great attention to detail.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Atlantic Coast Mortgage, LLC
Fairfax, VA
06.2021 - 05.2022
- Walk clients through loan application process and ensure 1003 is completed with necessary information for qualification.
- Review client's credit report and income to calculate DTI ratios qualifying them based on loan program, guidelines and investor overlays.
- Run multiple loan scenarios providing advantages and disadvantages of each for clients to review.
- Provide periodic updates to clients, agents and all parties involved in transactions as crucial milestones are reached.
- Maintain relationships with clients and agents through marketing materials.
Mortgage Loan Officer Assistant
Sandy Spring Bank
Reston, VA
10.2017 - 06.2021
- Coordinate with clients, processors, operations staff, closing attorneys, insurance providers, financial advisors, real estate agents, and title companies to meet crucial deadlines
- Demonstrate great organization skills in maintaining regular loan pipeline of over 25 loans on average consistently updating information as obtained.
- Maintain great attention to detail in reviewing loan documentation to ensure compliance with company and federal mortgage lending standards.
- Run underwriting systems for appropriate appraisal, income, and asset waivers. Order Appraisals and VOE reports. Manually verify asset and income data.
- Research to ensure accuracy of loan data including property taxes, home classification research, Home Owner Association fees, and secondary finance to ensure they are accurate.
Loan Review Specialist
George Mason Mortgage, LLC
Fairfax, VA
12.2015 - 10.2017
- Analyze data provided by clients and internal records including credit analysis, loan documentation, credit files, and/or geographic analysis on all credits/relationships within the portfolio to ensure accuracy post close.
- Ensure completeness of all information entered into the Loan origination system
- Identify loans that have missing financial information which may be out of compliance with policy and or exceed lending standards, risk tolerances, regulatory thresholds, or industry financial averages.
Mortgage Loan Officer Assistant
George Mason Mortgage, LLC
Fairfax, VA
05.2015 - 11.2015
- Analyze loan files including client’s income, assets, and credit ensuring it meets underwriting criteria.
- Follow up on outstanding items to ensure closing date is met and a positive customer experience is achieved.
- Input new loan data into appropriate loan origination system and coordinate with internal teams to help satisfy all loan conditions.
- Execute company marketing strategy.
Setup Coordinator & Office Administrator
George Mason Mortgage, LLC
Fairfax, VA
09.2014 - 05.2015
- Pre-Process loan files received to ensure proper loan initiation is completed in a timely manner.
- Contact appropriate third parties to place title, hazard insurance, appraisals, and tax transcript requests.
- Comply with rules, regulation, and policies ensuring documentation meets RESPA and TILA guidelines.
- Assist with origination process and disclosure distribution.
Compliance Specialist
George Mason Mortgage, LLC
Fairfax, VA
11.2011 - 09.2014
- Conduct pre and post-closing audit to ensure pending loan files comply with Federal and State Laws.
- Create process guides and training materials to provide Quality Control team members training on new Company, Federal, and State policies and procedures specifically to ensure compliance with RESPA and TILA.
- Provide System Training on Loan Origination Systems Encompass and Loan Quest.
- Serve as team lead providing quality control support for timely resolution of issues.
- Develop Staffing schedules to ensure consistent departmental coverage.
Education
High School Diploma -
Word of Life Christian Academy
Springfield, VA06.2006
Skills
- MS Office
- Data Entry
- Multitasking Abilities
- Excellent Communication
- Analytical and Critical Thinking
- Teamwork and Collaboration
- Organization and Time Management
- Planning and Coordination
- Self-Motivated
- Attention to Detail
Certification
aPHR - Associate Professional in Human Resources - 09/2022
HR Certification Institute
Timeline
Mortgage Loan Officer
Atlantic Coast Mortgage, LLC
06.2021 - 05.2022
Mortgage Loan Officer Assistant
Sandy Spring Bank
10.2017 - 06.2021
Loan Review Specialist
George Mason Mortgage, LLC
12.2015 - 10.2017
Mortgage Loan Officer Assistant
George Mason Mortgage, LLC
05.2015 - 11.2015
Setup Coordinator & Office Administrator
George Mason Mortgage, LLC
09.2014 - 05.2015
Compliance Specialist
George Mason Mortgage, LLC
11.2011 - 09.2014
High School Diploma -
Word of Life Christian Academy
aPHR - Associate Professional in Human Resources - 09/2022
HR Certification Institute
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