Jennefer L. Brewer Email & Phone Number

Ogden, Utah, United States

As a dedicated mortgage industry professional at Bank of Utah, I successfully drove lock commitments from loan originators, resulting in improved pricing and accuracy. I provided valuable insights through loan data analysis, enabling proactive decision-making and optimizing loan portfolio performance.Collaborating closely with the Secondary Marketing Manager, I published a dynamic daily rate sheet for the mortgage department, ensuring timely communication of competitive rates and maximizing business opportunities. Meticulously managing rate locks, I delivered exceptional customer service, maintaining precise records for locking, modifying, and extending mortgage commitments with great attention to detail.In addition, I oversaw critical software applications for the lock desk, implementing streamlined systems that enhanced operations and data integrity. I also served as a trusted backup to the Secondary Marketing Manager for buy- and sell-side decisions, handling investor management tasks and fostering strong business relationships.Throughout my career at Bank of Utah, I demonstrated a proactive commitment to excellence, driving key initiatives in the mortgage industry. My expertise in lock commitments, pricing and product models, forecasting, and software oversight made me a valuable asset to the team.

Ogden, Utah, United States

As a meticulous mortgage underwriter at Bank of Utah, I ensured accurate and compliant loan evaluations, adhering to bank standards, regulatory guidelines, and secondary market requirements. I successfully mitigated risks by conducting thorough assessments of collateral and borrower capacity, reducing loan defaults and improving portfolio quality.I implemented streamlined appraisal review processes, reducing turnaround times and increasing customer satisfaction. My meticulous creditworthiness analysis enabled informed lending decisions, minimizing credit risks while approving high-quality mortgage loans.By fostering open communication and collaboration, I improved information flow, problem resolution, and productivity. I engaged with external stakeholders to facilitate smooth interactions and strengthen business partnerships, ensuring successful mortgage transactions and a positive reputation for the organization.Driven by a continuous improvement mindset, I contributed to optimizing mortgage underwriting practices, achieving enhanced efficiency, cost savings, and overall process effectiveness.In summary, my expertise as a mortgage underwriter encompassed accurate evaluations, risk mitigation, efficiency enhancements, informed lending decisions, effective communication and collaboration, building professional relationships, and driving continuous improvement initiatives.

Roy, Utah, United States

As a Mortgage Underwriter at America First Credit Union in Roy, UT from 2017 to 2020, I assessed applicants' financial status, creditworthiness, and property evaluations to determine loan feasibility. I provided valuable insights and recommendations on loan structuring, supporting the approval process and assisting colleagues with policy and procedure questions for efficient loan processing.I maintained a strong commitment to compliance, adhering to program requirements, standards, and regulations. With unwavering attention to detail, I achieved a remarkable record of no losses, loan buybacks, or issues related to the Loan Quality Initiative (LQI).Effectively managing the loan pipeline, I ensured timely processing, thorough review, and accurate loan approvals. My well-organized workflow and prioritization contributed to overall efficiency and effectiveness in loan processing and approvals.

Roy, Utah, United States

As a Mortgage Origination Loan Officer at America First Credit Union from 2015 to 2017, I reviewed mortgage loan applications from various channels, ensuring timely and accurate processing while adhering to investor guidelines for compliance and efficiency.Analyzing applicants' financial status, creditworthiness, and property evaluations, I provided valuable insights for informed decision-making. I empowered customers by informing them about loan products and credit options tailored to their financial needs and goals.I executed the loan origination process, ordering essential reports and managing rate locks, disclosures, and waivers. This contributed to a smooth and efficient origination process.Maintaining prompt and professional communication, I engaged with customers, realtors, builders, and other professionals, fostering strong relationships and ensuring a positive transaction experience.

Roy, Utah, United States

During my time as a Legal Collector at America First Credit Union from 2014 to 2015, my specialization was in loans associated with bankruptcy cases. In addition to managing delinquent accounts and initiating legal actions to recover debts in compliance with regulations, I worked closely with attorneys on real estate cases involving bankrupt members. Together, we meticulously prepared demand letters, summonses, and complaints, which were crucial for initiating legal proceedings.As an advocate for the credit union's interests, I confidently presented evidence and represented AFCU effectively in debt collection matters. I maintained comprehensive records of collection activities, including negotiations for repayment arrangements. In collaboration with internal stakeholders, I actively contributed to the development and implementation of successful debt collection strategies.Throughout my tenure, I consistently demonstrated professionalism, meticulous attention to detail, and a strong commitment to legal compliance. By closely collaborating with attorneys to create important legal documents, I ensured seamless coordination and strict adherence to requirements. These contributions significantly aided AFCU in recovering debts, mitigating risks, and upholding its financial integrity.Furthermore, I played a critical role in optimizing debt collection strategies by diligently tracking progress and documenting relevant information, including negotiations for repayment arrangements. Through active collaboration with internal stakeholders, I made substantial contributions to the development and successful implementation of effective debt collection strategies.

Roy, Utah, United States

As a Real Estate Collector at America First Credit Union from 2012 to 2014, I performed collection activities for a variety of delinquent loans, including Real Estate Loans, Visa credit and debit cards, lines of credit, secured loans, signature loans, home equity lines of credit, overdrawn shares, and over-limit Visa credit and debit cards.Reviewing delinquent problem accounts, I assessed account statuses, identified reasons for delinquency, and proactively contacted members using effective communication techniques to promptly collect payments while maintaining positive relationships.I excelled in customer service, addressing inquiries and complaints with timely and satisfactory resolutions. Monitoring loans closely, I ensured compliance with payment terms and proactively addressed potential issues.Additionally, I recommended and initiated legal actions, filing small claims court complaints, and managing post-judgment actions such as garnishments. With meticulous preparation of documentation and adherence to policies, I maintained legal compliance.As a Real Estate Collector, I maintained accurate reports, documenting all collection actions and promptly detecting errors to mitigate risks. Upholding confidentiality, I upheld a professional reputation among co-workers and financial institutions.Overall, my contributions resulted in effective and efficient collections processes, showcasing expertise in diverse delinquent loans, proactive communication, and adherence to legal and regulatory guidelines.

In this role, I demonstrated mastery in preparing clear, concise, and impactful written communications while adhering to IRM and local procedures. I conducted extensive research, analyzed diverse sources, and took decisive actions on complex tax issues. This involved obtaining relevant returns, schedules, and necessary information to rectify accounts and records.With a deep understanding of interrelated tax rules, regulations, IRMs, and procedures, I skillfully verified, analyzed, and adjusted taxpayer accounts. Utilizing my expertise in IDRS and online systems, research materials, and advanced tools, I efficiently entered, corrected, and transferred tax account information, consistently maintaining exceptional accuracy and quality standards.Adaptability came naturally to me, enabling me to thrive in a dynamic environment and surpass priorities and cycle times. I efficiently managed document routing through the pipeline to meet critical deadlines, ensuring timely processing.I possess comprehensive knowledge of working with various tax forms, including IMF E file and MEF forms such as 1040, 1040A, and 1040EZ, as well as BMF forms including 94X series, 1120 series, Form 1042 S, Form 7004, Form 8868, and Revenue Receipts. As a job instructor, I provided valuable assistance and guidance to my co-workers, fostering a collaborative and supportive work environment.Engaging actively in team activities, I consistently contributed to boosting team morale and promoting a positive work culture.