Denise Buel Email & Phone Number

Tampa, Florida, United States

Louisville, Kentucky Area

Charlotte, Nc

Louisville, Kentucky Area

 Manage a team of 9 Underwriters, 8 Processors, 3 Closers, 3 Post-Closers, 3 Registration Associates and 1 Quality Control Specialist, providing dedicated training, coaching, and support Mentor the underwriting teams to keep them updated on assigned job functions and general underwriting knowledge, as well as compliance with all institutional and industry policies, procedures, and regulations, encouraging a corporate culture in all actions and words Supervise processing, examine loan documentation for accuracy and completeness, work with loan originators to secure all required documents Ensure closing and post-closing teams maintain appropriate turn times per TRID or other investor requirements Identify, develop, and maintain a quality network of business relationships to support new opportunities  Achieved a 300% production increase in the Secondary Market Mortgage Division, from 742 units or $127.2MM in 2011 to 2,084 units or $353.4MM in 2015, as well as a record high $55MM in locked loans in March 2016 Maintained significant defect rate with third party auditing company under 0.1% for closed and denied withdrawn files for underwriting and compliance errors Appointed Mortgage Electronic Registration Systems (MERS) signing officer, oversee MERS biennial quality assurance data reviews, and guide all bank teams with MERS related questions Introduced and implemented a paperless environment, as well as the Upfront Underwriting Process for minimal documentation to receive an actual underwriting approval, and a new Loan Operating System and resolve all issues early to allow closing quickly once an offer is received Participated with a critical role in the rollout of the Consumer Financial Protection Bureau (CFPB) TILA-RESPA Integrated Disclosure Rule (TRID) requirements, which integrates disclosures and regulations to improve consumer understanding of the mortgage process and helps to prevent surprises at the closing table

Louisville, Kentucky Area

 Managed the Retail Lending Division, 3 fulfillment team leads and 29 loan processors and underwriters, provided training and oversight of all policies, procedures, and adherence to regulatory compliance, as well as achievement of consumer loan objectives and the financial budget Achieved strategic goals, branch production turn times, pull-through, performance, and exemplary customer service by monitoring and supervising daily loan functions Ensured competitiveness, kept abreast and reacted to industry changes and lending trends  Maintained the department updated on current regulations and internal controls through quality control auditsVP SITE UNDERWRITING MANAGER – WHOLESALE LENDING DIVISION (2008 – 2010) Provided leadership, support, and guidance to 2 Underwriting Managers and 15 Underwriters, ensuring that the underwriting team complied with the goals, objectives, and standards of the organization in order to meet deadlines without compromising customer satisfaction Evaluated and implemented effective procedures to monitor loans and ensure branch production turn times, pull-through, optimum performance, and outstanding customer service, while achieving goals and budgets Ensured that the department loan portfolio and its performance achieved company profitability, underwriting efficiency standards, and company policies and procedures, while meeting client needs Maintained the highest corporate audit scores in the country by interpreting and implementing guidelines for the underwriting team and performing risk assessments on a regular basisVice President Designation Award, Bank of America, Louisville, KY (2011)Two Promotions within 60 Days, Bank of America, Louisville, KY (2009)

 Created and implemented standard operating procedures and guidelines for the start-up operation  Participated in designing and implementing the loan operating system and Novellus seller guide for use by correspondent lenders and bulk transaction purchasers Directed a team of four professional, experienced underwriters, providing guidance on the interpretation and practice of company processes, procedures, policies, and guidelines

 Originated the Cincinnati, Ohio branch for wholesale mortgage operations and implemented standard operating procedures for all departments Managed more than 60 employees, created training material and refresher PowerPoint presentations, provided guidance and evaluated performance, supervised timesheets, and recommended hiring, terminations, and disciplinary actions, when required Achieved average monthly volumes of 1,000 loans or $100M, the highest results in a network of 18 branches Liaised with the Capital Markets Department, performed quality control on approved and closed loans for compliance with company standard guidelines, policies, and procedures to assure they were suitable for sale on the secondary market, and evaluated all underwriting and processes to identify and control errors Led communications and relationships for 30 account executives, brokers, and title companies, assisted with general guidance and support on complex loan scenarios, loan program questions and guidelines, approvals, and loan status follow upDream Team Award, Best Operations in the Country, Ownit Mortgage Solutions, Cincinnati, OH (2005)

 Served as direct contact with all account executives, established, maintained, and enhanced customer relationships of trust and integrity, and built rapport to provide excellent customer service, financial advice and guidance, and ensure integrated financial service solutions Managed and supervised a team of 10 professional and experienced underwriters, provided guidance and training to ensure operational integrity and achieve company objectives, as well as compliance with policies, procedures, and quality standards Conducted phone sales with brokers and title companies, among others, responded to all inquiries, facilitated a close working relationship, excellent communication, first-rate customer service, and ensured that customer expectations were met and exceeded  Communicated closely with the Quality Control Department, tracked, reported, and corrected underwriting errors, identified opportunities for process improvements, and provided feedback to the quality control teamBill Dallas Award (CEO)Standard Plus Underwriting Authority, First Franklin Financial, Cincinnati, OH