Brian Mackey Email & Phone Number

Eagle, Id, Us

Eagle, Id, Us

Review VA, FHA, Conventional & Non QM loan submissions in accordance with underwritingguidelines• Make final decision on acceptance or decline of loan requests• Review and approves all contingencies of underwriting in a timely fashion• Analyzing and evaluating all aspects of borrower credit, employment/income and assetprofile• Analyze the Real Estate appraisal report and make a decision on information supplied toensure that the marketability and value of property are supported within the report• Maintain Company quality and daily production expectation• Thorough understanding of all agency & investor underwriting policy's

Costa Mesa

• Review VA, FHA & Conventional loan submissions in accordance with underwriting guidelines • Make final decision on acceptance or decline of loan requests • Review and approves all contingencies of underwriting in a timely fashion • Analyzing and evaluating all aspects of borrower credit, employment/income and asset profile • Analyze the Real Estate appraisal report and make a decision on information supplied to ensure that the marketability and value of property are supported within the report • Maintain Company quality and daily production expectation • Thorough understanding of all agency & investor underwriting policies

Costa Mesa

• Review VA, FHA & Conventional loan submissions in accordance with underwriting guidelines • Make final decision on acceptance or decline of loan requests • Review and approves all contingencies of underwriting in a timely fashion • Analyzing and evaluating all aspects of borrower credit, employment/income and asset profile • Analyze the Real Estate appraisal report and make a decision on information supplied to ensure that the marketability and value of property are supported within the report • Maintain Company quality and daily production expectation • Thorough understanding of all agency & investor underwriting policies

Santa Ana

Dec 2014 - Present Motive Lending Santa Ana CA DE/ VA Underwriter • Review VA & FHA loan submissions in accordance with underwriting guidelines • Make final decision on acceptance or decline of loan requests • Review and approves all contingencies of underwriting in a timely fashion• Analyzing and evaluating all aspects of borrower credit, employment/income and asset profile• Analyze the Real Estate appraisal report and make a decision on information supplied to ensure that marketability and value of property are supported within the report.• Maintain company quality and daily production expectations • Thorough understanding of all agency & investor underwriting policies• Thorough understanding of FHA 203K Rehab Loan Guidelines

Currently Underwriting Conventionl Refinance & Purchase Transactions Outstanding qualifications in customer service in high volume and high stress situations Educated customers on pending loan terms, Responsible for Income calculations, verification of conditions Processing Conventional ,FHA and FHA streamline Loans Very Organized and Self sufficientConsistently recognized as one of the top producing account managers consistently Worked with Brokers and Real Estate agents to ensure accuracy of Purchase transaction and a fast and proficient closing/Underwrite loans utilizing FNMA DU and investor guidelines. Performed thorough appraisal reviews on all loans as well as signed off on all conditions prior to submission to funding.; Risk review performed on appraisals and adherence to DU/LP conditions and requirements as well as lender requirements prior to lender purchasing correspondent loans from originators. Target reviews as well as full reviews as required by client.

Responsible for income calculation, verification of liquid assets and verification of employment on all files.Worked on paperless system with duel monitors Processing Conventional ,FHA and FHA streamline Loans Handled escalated customer service issues.Able to resell and restructure loans to Borrower ‘s when the value comes in low or Borrower doesn’t qualify for a program Have 4 Loan Origination sales Licenses CA,CO ,NJ,WA

Responsible for income calculation, verification of liquid assets and verification of employment on all files.Educated customers on pending loan terms.Managed constant communication with borrower for all needed documentation for loan submissions.Handled escalated customer service issues.Self controlled Escrow Company: responsible for establishing new escrow accounts and process escrow documents In accordance with established policies and procedures.

Successfully managed a team of 10+ employeesHiring and exit interviews of employees. Developed and implemented new programs to assist w/ generating new leads and expanding business.Successfully established in house quality control.Worked closely with Management and staff to insure a fast and proficient closing.Processed Reverse Mortgages, FHA & A Paper Conventional Loans.Outstanding qualifications customer service in high volume, high stress situations.

Processed Sub-prime and Alt-A refinance and purchase Loans. Handled extremely high volume incoming emails promptly informed customers of status.Managed high volume incoming/outgoing calls. Piloted all new software programs due to my ability to teach and learn quickly. Consistently recognized as one of the top producing account managers closing 60-85 files a month..Built excellent relationships and rapport with both new and old clients, sales reps and management.Outstanding qualifications in customer service in high volume, high stress situations.

Funded 80-100 Loans Monthly, Consistently Top Producer.Worked with clients to ensure accuracy of transaction, including income calculation and credit worthiness.Handled high volume calls and emails regarding status and replied promptly and courteously.

Recruited, interviewed, hired and trained new employee'sSupervised 20+ employees Handled day-to-day operations including customer inquires, invoice review, inventory and employee training.Implemented new policies, procedures and software as it pertained to the safe keeping of confidential documents.Reviewed employee’s based on their performanceQc’d sales reports for accuracy Handled escalated employee or customer issues/concerns.

Directed staffing, training, and performance evaluations to develop and control sales programs.Resolved customer complaintsConsistently met or exceeded goals set forth by upper management.