Brian Busse Email & Phone Number

Texas, United States

· Research and resolve all exception requests for jumbo and conventional loans.· Maintain monthly exception budget containment for all portfolio loans within a 10% tolerance, and present monthly reporting to Sr. Director.· Develop risk parameters for qualifying portfolio loan exceptions.· Underwrite jumbo (up to $3MM signing authority) and conventional.

• Underwrite conventional loans ensuring compliance with appropriate company and secondary market investor standards.
• Responsible for all loan underwriting activities while maintaining awareness of overall process and team results
• Audit approved loans to ensure all product guidelines and compliance rules have been adhered to.
• Obtained underwriting Signature Authority Service and Enforcement (SASE) level 3 for conventional loans.
• Train and supervise new employees, and provide coaching to current production associates, loan processors, and loan underwriters on loan deficiencies and audit failures.
• Review mortgage loan applications for approval, decline or waiver of specific loan conditions underwriting the complete application for conventional loans.

• Managed a portfolio of over sixty business merchant accounts, with individual average annual bankcard volume between $3MM and $10MM.
• Analyzed transactional data including monthly and annual volume, transaction types, net revenue, and pricing comparisons.
• Maintained portfolio data and expanded market through development of client relationships with key client decision makers and financial officers.
• Re-negotiated client contracts and cross-sold company products and services through client specific presentations and meetings.
• Created analytical reporting detailing quarterly results of managed relationships for executive review.

• Managed a portfolio of over sixty business merchant accounts, with individual average annual bankcard volume between $3MM and $10MM.
• Analyzed transactional data including monthly and annual volume, transaction types, net revenue, and pricing comparisons.
• Maintained portfolio data and expanded market through development of client relationships with key client decision makers and financial officers.
• Re-negotiated client contracts and cross-sold company products and services through client specific presentations and meetings.
• Created analytical reporting detailing quarterly results of managed relationships for executive review.

• Reviewed mortgage loan applications for approval, after considering the financial strength, credit worthiness and payment history of the applicant.
• Sold loan programs to potential borrowers on best options available for refinance and debt consolidation based off of program guidelines.
• Daily interaction with Underwriting and Funding departments to ensure pipeline movement.
• Assisted in managing a sales staff of 5 -10 associates.
• Responsible for lead management, daily reporting, and training of new sales associates.
• Second voiced all potential loans not sold within 24 hours to help overcome any customer objections.

• Identified and counseled seriously delinquent mortgage holders on best resolution of debt, via inbound phone calls and written correspondence by way of analyzing income and monthly debts.
• Researched and resolved escalated customer service issues from borrowers and third parties; complex non-routine and sensitive issues including problems with escrow accounts, payment misapplication, credit bureau.
• Educated customer on the best credit practices to help reduce defaults and risk of foreclosure.