Brook K. Scott
Cave Creek
Summary
Dynamic Home Loan Specialist with extensive experience at PennyMac, excelling in financial analysis and loan compliance. Recognized for achieving top-tier performance in DTI income reviews, I leverage strong analytical skills and effective training abilities to enhance team productivity and ensure adherence to regulatory standards. Committed to delivering exceptional results in a fast-paced environment.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Home Loan Specialist III / TPO DTI Review
PennyMac
Phoenix, AZ
02.2024 - Current
- Conducted comprehensive financial analyses to assess borrower's ability to repay. Performing complex data and document validation for self-employed, wage, and rental income.
- Calculating qualifying income, debt ratios.
- Utilized company policies and legal guidelines to ensure compliance.
- Evaluating income documentation for compliance with product guidelines and regulatory compliance.
- Consistently achieved department and individual goals while meeting quotas.
- Ranked in the top one-third for delivering high-quality DTI income reviews.
- Maintained up-to-date knowledge of various loan products and compliance regulations.
Home Loan Specialist III / TPO DTI Review
PennyMac
Phoenix
01.2024 - 02.2024
- Perform a second sign review for DTI reviewers in the process of self-employment and rental income training certification.
Home Loan Specialist III / Correspondent DTI
PennyMac
Tampa
04.2019 - 01.2024
- Certified in self-employment, wage, and rental income precision testing review.
- Assisted with the escalation task queue for offshore and stateside staff.
- Provided detailed training feedback to correct errors, and ensure adherence to procedures.
- Performed second sign reviews, offering clarification to enhance employee training.
- Obtained VA SARS certification to perform VA appraisal reviews and ensure VA Minimum Property Requirements are met, and issue the Notice of Value (NOV) for VA home loans.
Home Loan Specialist II /Asset Review
PennyMac
Tampa
04.2017 - 04.2018
- Evaluates a borrower's financial accounts and holdings to confirm that they have sufficient, legitimate funds to cover the down payment, closing costs, and required financial reserves.
- Perform a second sign review to provide clarification and instruction to employees in asset and wage certification training.
Home Loan Specialist II /Correspondent Audit
PennyMac
Tampa
07.2016 - 04.2018
- Perform detailed correspondent mortgage loan audit reviews to ensure adherence to company policies and industry guidelines.
Education
Bachelor of Science Degree / Cum Laude - U.S. History
University of South Florida
St. Petersburg, FL12.2000
Associate of Arts Degree - Humanities
St. Petersburg College
St. Petersburg, FL04.1999
Associate of Arts Degree - Fashion & Theater Costume Design
Bauder College
Sacramento, FL05.1981
Skills
- Financial analysis
- Income verification
- Debt ratio calculation
- Loan compliance
- VA appraisal knowledge
- Customer onboarding
Personal Information
Title: Polished Professional Mortgage Specialist
Certification
VA SARS Certification #026796
Timeline
Home Loan Specialist III / TPO DTI Review
PennyMac
02.2024 - Current
Home Loan Specialist III / TPO DTI Review
PennyMac
01.2024 - 02.2024
Home Loan Specialist III / Correspondent DTI
PennyMac
04.2019 - 01.2024
Home Loan Specialist II /Asset Review
PennyMac
04.2017 - 04.2018
Home Loan Specialist II /Correspondent Audit
PennyMac
07.2016 - 04.2018
Bachelor of Science Degree / Cum Laude - U.S. History
University of South Florida
Associate of Arts Degree - Humanities
St. Petersburg College
Associate of Arts Degree - Fashion & Theater Costume Design
Bauder College