Brian Mathisen Email & Phone Number

Urbandale, Iowa, United States

Des Moines, Iowa

FHA

Des Moines, Iowa Area

Underwriting Conventional Rural Development Mortgages Fully Manually underwritten programUse USDA Gus system to submit loans to USDA

Consumer Loan Underwriter 3Currently Underwriting 3f Renovation FHA loans along with 1C Conventional renovation loansCurrently have my DE designation and an active CHUMS idWork on a centralized team responsible for underwriting mortgage loans across all 50 states including Texas. As a 3F underwriter responsible for higher signing Underwriter 2 loans and responsible for coaching/training of lower level underwriters Underwrite Loans in the LIS system along with use of the OMNI tool for setting conditionsExperience reviewing all types of purchase contracts including Foreclosures and Short SalesCurrently Review all types of income including tax returns, corporate tax returns, and regular salary customers.Responsible for reviewing complex home renovation documents such as work write ups, contractor bids, and utility inspection reports.

Consumer Loan Underwriter 3 Underwrote Home Equity Loans and Lines of credit for Home Equity Originations.Have been able to adapt to Home Equity’s ever changing policy and procedures and been able to effectively communicate these changes to customers, bankers, bank managers and other team members.Within the first year of underwriting originations was given the added responsibility of underwriting Home Equity Loans as well as Lines of Credit.Have a proven track record of meeting department goals and underwriting standards.Review all types of appraisal products from simple BPO’s all the way to full appraisals.Review multiple Title products from simple titles to title insurance. Have had to prepare and review all closing documents including HUD-1’s and mortgage notes to be in compliance with differing state laws.Experience reviewing all types of income documents from simple pay stubs to full corporate tax returns, profit and loss documents, financial statements, w2’s.Review Credit Reports from all 3 major Credit Reporting Agencies to look for trends and payment history.

Consumer Loan Underwriter 2Have a proven track record of meeting department goals and underwriting standards.Have underwritten Home Equity Loans that have gone into Default into more affordable terms based on the Home Affordable Modification Program and internal adjustment strategies.Re-underwrote all types of Home Equity Loans, and 1st Lien Mortgages from interest only, principal only, principal plus, etc…Experience reviewing all types of income documents from simple pay stubs to full corporate tax returns, profit and loss documents, financial statements, w2’s.Review Credit Reports from all 3 major Credit Reporting Agencies to look for trends and payment history.

Consumer Loan Underwriter 2Underwrite consumer loans for various products ranging from $500 to $200,000.Proficient in reading credit reports, Federal Tax Returns for business and personal designations, and valuing collateral for secured loan products. Underwritten products for both Wells Fargo Financial and Wells Fargo Bank, including retail credit cards, unsecured loans, and secured loans. One of the top performers in the department averaging the highest volume of loans and a high quality and compliance record.Cash flow income and tax documents received from clients.Underwritten with Supreme, Unisys, and Mask, and have used supporting programs such as Acaps, Hogan, Shaw, and NADA.Spoke with both Bankers and Customers resolving problems and discussing credit decisions.Was a Core Member of the Card Services and Consumer Lending Diversity Council.Nominated multiple times for Dealer Direct employee of the month and two times Winner of the overall Retail Sales Finance Operations Team Member of the Month.

Worked in a project based environment creating multiple documents using Microsoft Word, Excel, Access, and PowerPoint.Gained access to multiple department systems in order to audit there processes. Worked on Sarbanes Oxley compliance for various departments within the Hotel and Casino. Responsible for auditing revenue producing departments to ensure no misappropriation of company funds.Work closely with upper management in various departments to determine if current accounting processes are efficient and in accordance with current accounting standards.Due to a change in the Nevada Gaming Laws Helped to rewrite the Internal Control Standards for the Mirage as required by the Nevada State Gaming Control board. Lead a major investigation that led to a complete overhaul of the Purchasing Department within The Mirage.Responsible in overhauling the Front Desk guest compensation guidelines due to employee theft.Supervised multiple departments and employees work performance and procedures.Assumed control of Departments when any changes or disciplinary action needed to be taken based on our investigations.