Tracy Brooks

Work History

Vice-President of Operations

Fairway Independent Mortgage Corporation

11.2022 - 09.2023

Collaborated with senior management to develop strategic initiatives and long term goals
Monitored industry trends, keeping current on latest changes and competition in industry
Initiated strategy to drive company growth and increase market share and profitability

Vice-President of Credit

AmeriSave Mortgage Corporation

10.2020 - 09.2022

Oversaw all aspects of Underwriting to include process improvement and technology enhancements
Managed senior level underwriting group to handle escalations and exceptions
Reviewed loan level escalations
Hired and managed employees to maximize productivity while training staff on best practices and protocols
Reviewed and helped resolve all pre-closing and post-closing QC issues
Demonstrated proficient leadership skills to motivate employees and build competent teams

Operations Manager

The Money Store

01.2019 - 10.2020

Opened West Coast Operation Center of NJ based retail mortgage company
Oversaw project to enhance/revamp LOS system (Encompass) to maximize efficiencies and execution
Led hiring, onboarding and training of new hires to fulfill business requirements
Supervised operations staff and kept employees compliant with company policies and procedures.
Analyzed and reported on key performance metrics to senior management
Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines
Increased profit by streamlining operations

Community Leader

Movement Mortgage

04.2016 - 12.2018

Operations Manager overseeing Processing, Underwriting and Closing functions for the West Coast
Responsible for Community P&L, to include monitoring costs to achieve targeted cost-per-loan goal
Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills
Led hiring, onboarding and training of new hires to fulfill business requirements
Trained and guided team members to maintain high productivity and performance metrics
Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow

Account Executive

Quicken Loans Mortgage Services

08.2014 - 04.2016

Build and maintain relationships with Mortgage Brokers, Credit Unions and Community Banks
Investigated and resolved customer issues and complaints to retain customer business and preserve relationships
Traveled throughout assigned territory to visit current customers and prospect for new business
Coordinated new customer training and orientations to meet customer needs and objectives
Fostered long-term relationships with customers to earn repeat business and encourage referrals

Operations Team Leader

Quicken Loans Mortgage Services

12.2009 - 08.2014

Managed high workload with consistent record of achieving deadlines and production targets
Compiled training materials for new employees and tracked skill development
Produced detailed reports outlining performance against benchmarks
Improved team efficiency and productivity by restructuring workflow and managing assignments
Encouraged and promoted ideas aligned to business needs and benefits

Senior Underwriter

New Penn Financial

11.2008 - 12.2009

Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards
Reviewed FHA, VA and Conventional loans to make accurate decisions by accounting for risk, hazards and exposure
Built strong relationships with lenders, brokers and clients for constructive communications

FHA Product Manager

Goldman Sachs

04.2008 - 11.2008

Collaborated with sales, marketing, and support teams to launch products on time
Coordinated project planning and execution with team members and team leads
Reviewed new opportunities to drive business strategy at planning sessions.

Underwriting Manager

HSBC Mortgage Services

01.2004 - 12.2007

Utilized knowledge of underwriting principles, policies and procedures to make decisions on risk assessment
Evaluated applications to determine best investor placement and appropriate risk classifications
Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications
Collaborated with other professionals to develop innovative underwriting solutions
Worked well in a team setting, providing support and guidance

Senior Corporate Underwriter

Decision One Mortgage

01.2001 - 01.2004

Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
Provided high level of assistance to Branch network to help with compliance with investor guidelines
Assisted senior executives with underwriting, coordination and submission of high-risk mortgage loans

Summary

Overview

Work History

Vice-President of Operations

Vice-President of Credit

Operations Manager

Community Leader

Account Executive

Operations Team Leader

Senior Underwriter

FHA Product Manager

Underwriting Manager

Senior Corporate Underwriter

Education

Bachelor of Science - Business Administration

Skills

Certification

Timeline

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