Deja Brown Email & Phone Number

Plano, TX, US

• Perform internal and external sales and marketing to present our Value Promise to effectively develop profitable Dealer Client Relationships.
• Maintain application approval rates at an acceptable level as set by corporate standard.
• Responsible for making quality credit decisions in fast paced environment.
• Comply with all stated guidelines, policies, and procedures as well as all State and Federal rules and regulations.
• Determines any conditions, stipulations, or pre-funding requirements.

• Conducted Risk assessments based on client’s credit, property history, asset, and income to determine borrower’s ability to repay loan with minimal risk to lender owning a pipeline of 30 -100 NON QM loans monthly.
• Reviewed and calculated income and DTI using various income types such as paystub/W2, corporate or person tax returns, sole proprietorship, S-Corps, partnerships and 1099 self-employment income.
• Ensured compliance with guidelines an implemented necessary change for government loans, Fannie Mae DU and Freddie Mac LP.
• Evaluated property documents, appraisals, title commitments, tax certs to identify potential issues such as Liens, solar panels, forbearances, and other property related concerns.
• Identify risk factor within any loan by utilizing resources and current underwriting guidelines to detect and acknowledge any inconsistencies. Communicates with clients, brokers, and operations teams to resolve.

• Collaborated with title departments to resolve title issues such as legal descriptions, easements, lot splits, vesting all tax liens, abstracts of judgments, bankruptcies, and boundary disputes for home loan refinances.
• Receives the lender’s loan documents and prepares them for closing; checks documents for completeness and accuracy, meets with the buyer and seller and has loan documents, deed, and seller’s affidavit signed and.
• Balanced HUD statements to cross reference for accuracy with lenders closing guidelines.
• Ordering payoffs, HOA resale certificates, surveys, home warranties, tax certs and other essential documents.
• Funded and ensured all payoffs and remaining balances are collected, mailed delivered or wired according to critical dates.
• Attend sales meetings, real estate company events, company escrow meetings, assist with special projects as requested and perform additional duties as required.

Plano, Texas

Dallas, Texas

Coppell, Texas

Business Administration And Management, General

High School Diploma