Brenda Kellner Email & Phone Number

Amherst New York

Buffalo/Niagara, New York Area

Senior Underwriter – 8/2012 – Present Review and analyze credit and collateral documentation  Loan documents consist of “paper files” and paperless files, via Empower & Blitz Docs Underwrite FHA; USDA; SONYMA and Conventional loan products  Each loan file is elevated ensuring requirements for M&T Bank and the Investor are met Partnership with the Processor and Loan Officer to enable a seamless transaction for the customer Collectively work with Pre-Fund; QC Teams; and Post Closing resolving issues to ensure any question/concerns are addressed immediately for delivery to the Investor Assist with project management with testing specific loan products in the Empower Test Environment Successfully developed strong working relationships with Management; Processors; Loan Officers; and Team Members Mentor Processors with product knowledge and underwriting requirements Trained Sr. Underwriters SONYMA product/underwriting requirements Dependent on loan product: DU/LP; SONYMA Express; USDA GUS; or the FHA Connection are utilized in the underwriting process.

Walnut Creek, Ca

Endeavor America/The Money Source– 11/2016 – PresentWalnut Creek, CARemote Senior Underwriter – 11/2016 – Present Reviewed and analyze credit and collateral documentation in accordance to FHA and Endeavor America requirements Paperless loan files utilizing Blitz Docs and Super Easy LOS systems Loan products consisted of FHA purchase/ rate & term refinances and Streamline refinances With each loan review, ensure quality was consistent for a seamless post closing ensuring and delivery Participated in weekly huddles with Team Leader and team; assisted team members with overflow condition review Communicated with Brokers/ Account Managers/Account Executives on a daily basis keeping all update with loan files

Depew, Ny

Manage Collateral and Government Post Closing pipelines, ensuring timely review and corrections for Investor saleabilty, and FHA Endorsements. Implemented improved process flow improvement. Created positive working environment with open two-way communications. Conducted monthly individual employee coaching sessions, providing positive constructive feedback for performance improvement and/or career development. Consistently provided outstanding customer service to both internal and exteral customers. Identified root cause analysis and improved the process for "unsaleable" CEMA loan transactions, capturing an annual savings of $2.7M.

Depew, Ny

Managed daily mortgage operations for an assigned channel region of the country. Proactive management, monitor staffing, and production levels of regional operations team. Oversee credit lending decisions with reviewing and accessing credit risk while meeting Investor / Company guidelines and requirements. Attained Six Sigma Green Belt with identified opportunities within the underwriting process. Dveloped and maintained positive working relationships with Sales, Brokers, and Correspondents. Provided Best in Class customer service to all internal and external customers.

Managed Collateral and Government Post Closing Pipelines, ensuring timely review and FHA Endorsements. Drove Employee Engagement resulting in 100% of team participation. Implemented improved process flow for FHA review and submission processes. Review challenging FHA loans for Senior Underwriters relative to meeting FHA requirements for obtaining FHA insurance. Created a process for "Uninsured" FHA loans working in collaboration with internal business partners avoiding repurchase transactions. Identified Root Cause analysis and improved the process for "un-saleable" CEMA loans, capturing an annual savings of $2.7M. Created and maintained a positive working environment with open communication and positive attitude. Conducted monthly individual employee coaching sessions, providing positive constructive feedback for performance improvement and/or career development. Demonstrated excellent customer service to internal and external customers.

The positions I had throughout my career with HSBC Bank, USA, N.A. were DE Senior Underwriter; Regional Operations Team Leader; Regional Operations Manager to my current position of Post Closing Manager.

Managed daily mortgage operations for an assigned channel region of the country. Proactive management, monitor staffing and production levels of regional operations teams. Oversee credit lending decisions with reviewing and analyzing credit risk while meeting Investor / Company guidelines and requirements. Assisted senior management with policy making, personnel related matter and proactive risk management. Attained Six Sigma Green Belt with identified opportunities within the underwriting process, resulting with increased decision turn time by migrating portions of process to off-shore resources. Developed and maintained positive working relationships with off-shore resources. Developed and maintained excellent working relationships with Account Executives, Brokers, and Correspondents. Participated in Broker Conferences in assigned regional areas.

Depew, Ny

Managed daily underwriting and closing pipeline, ensuring all production is complete within established service levels. Mentor and developed associates, improving upon their skill levels and knowledge to achieve the next career level. Ensure compliane monitoring and internal controls were in place. Proved excellent customer service with open communication and addressing all concerns in a timely manner. Developed and maintained positive working relationships with Sales, Brokers, and Correspondents.

Manage daily underwriting and closing pipeline, ensuring all production is complete within established service levels. Oversee credit lending decisions with reviewing and analyzing credit risk while meeting Investor / Company guidelines and requirements Mentor and developed associates, improving upon their skill levels and knowledge to achieve the next career level. Ensure compliance monitoring and internal controls were in place. Provided excellent customer service with open communication and addressing all concerns in a very timely manner. Developed and maintained positive working relationship with Sales, Brokers, and Correspondents. Traveled with Sales Managers meeting with clients building stronger business relationships.

Depew, Ny

Analyzed and approved residential mortgage applications in compliance with HSBC Bank, FHA/VA, and third-party Investor guidelines. Strong positive customer service orientation. Effecitvely communicated resolutions for problematic loan scenarios. Supported team associates by providing training initiatives for FHA government underwriting procedures and polices. Utlized DU and LP credit underwriting engines associated with the underwriting process.

Analyzed and approved residential mortgage application in compliance with HSBC Mortgage, FHA/VA, and third-party Investors guidelines. Reviewed Credit documentation, Property Appraisal, Income and Asset documentation ensuring salability to the Investor. Identified potential fraud and notified the appropriate parties accordingly to company policy.Strong positive customer service orientation. Reviewed highly complex loan, offering alternatively solutions if applicable to Account Executives and Customers.Effectively communicated resolutions for problematic loan scenarios. Supported team associates with providing training initiatives for FHA government underwriting procedures and policies. Utilized DU and LP credit underwriting engines associated with the underwriting process. Computer Application Knowledge: FHA Connection PowerPoint Image Quick (IQ) Microsoft Word Loan Quest Microsoft Visio Microsoft Excel IAW Internet

Certification Degree, Business Administration And Management, General

Business Diploma