CAROL BRASHEAR

• Encompass System
• Conventional conforming/non conforming, FHA/VA
• Improved validation accuracy by diligently reviewing and analyzing data for completeness and correctness.
• Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
• Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
• Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
• Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
• Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
• Reviewed/approve appraisals for accuracy
• Rendered credit decision for Conventional loans

Conventional conforming/non-conforming, FHA/VA and DPA loans for builder. Encompass System.

• Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
• Handled any conditions sent from underwriting departments.
• Prepared documents for underwriting by verifying client income, credit reports, and other information.

Conventional conforming/non conforming, FHA, VA

Encompass System

• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
• Prepared documents for underwriting by verifying client income, credit reports, and other information.
• Handled any conditions sent from underwriting departments.