Brian Debolt Email & Phone Number

Hutchinson, MN, US

San Francisco, California, US

• Partnered with Wealth/Private Bank clients and Senior Management to reach optimal financing solutions on mortgages retained for investment in the company’s portfolio.
• Obtained Lending Authority of $2mm, with loan exception authority.
• Leveraged extensive loan analytical skills to achieve desired outcomes while exercising good judgement and decision-making skills using a risk-based approach.
• Gained in-depth knowledge of all types of real estate financing, including commercial property, through client portfolio reviews to evaluate income/liabilities used in calculating debt ratios and other metrics.
• Served as a subject matter expert to Loan Officers and Mortgage Processors and other key stakeholders.
• Provided clear and concise narratives to ensure full understanding of complex credit decisions for all leadership and customers.

US

• Accurately reviews and analyzes income and asset documentation, credit reports, appraisals, and supporting loan documentation. Calculates credit variables (i.e., DTI and LTV ratios) and other components of the.
• Reviewed and analyzed loan data to origination guidelines using Allon Hill’s proprietary systems. Recorded and explained any differences between data found in the file and guideline requirements. Verified the presence.
• Identified potential credit exceptions and (if appropriate) listed compensating factors that mitigated risk. Communicates directly with internal and external stakeholders to gather information needed for proper.

• Analyze lender underwriting files to provide guidance to attorneys with respect to quality of underwriting, credit decisions and property evaluations.
• Demonstrated Portfolio Lending underwriting
• Examined, evaluated and researched financial documentation provided.
• Advanced income analysis including experience in reviewing self-employment, Corporate, and Partnership tax returns.
• Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.
• Extensive experience with Credit layered risk and Risk assessment

Englewood, US

* Underwrite and negotiate short sale mortgage contracts for clients in relation to FNMA guidelines in the Home Retention Group and work with Loss mitigation management to insure reulatory management objectives were met.

Charlotte, NC, US

• Demonstrated Portfolio Lending underwriting
• Examined, evaluated and researched financial documentation provided.
• Advanced income analysis including experience in reviewing self-employment, Corporate, and Partnership tax returns.
• Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.
• Extensive experience with Credit layered risk and Risk assessment
• Excellent verbal and written communication skills were applied with a high degree of attention to detail.

San Francisco, California, US

* Evaluated income, credit and property documentation on Home Equity loans and lines of credit for loans up to $500,000 so that appropriate decisions are made as to the acceptability of the investment risk. Ensure all legal, contractual and regulatory requirements were met with respect to the underwriting of Home Equity Loans and Lines of Credit.*.

Bachelor Of Arts, Organizational Management And Development

Finance And Accounting