Kenneth Pace Email & Phone Number

Sugar Land, Texas, Us

Expertise in mortgage lending products, policies, procedures, and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), and UnitedStates Department of Agriculture (USDA). Secured required credit and compliance documentation and loanpackages to comply with operational and investors policies and procedures through calculating all forms ofincome (wage earner, retirement, and self-employed). Reviewed appraisals, homeowners insurancecoverage, bank statements, and title commitments.

Mclean, Va, Us

• Actively monitor the bank’s credit exposure • Identify and work to resolve credit issues with existing clients• Work closely with assigned sales reps, underwriters, closing specialists and portfolio analytics team• Review application and financial documents for accuracy and completeness• Implement approved processes by providing ad-hock training to partners • Host team calls to work through impediments in pipeline

Developed and maintained an in-depth understanding of Mortgage Lending products, policies, processes and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA), and portfolio products. Obtained required credit and compliance documentation for assigned applications from internal clients, external clients, vendors, and third-party sources. Submitted mortgage loans to Underwriting ensuring BB&T Mortgage and investor policies and procedures are met, including calculating all forms of income (wage earner, retirement, self-employed), reviewing real estate appraisals, calculating appropriate homeowners insurance coverage, specific mortgage product program income and ratio requirements, analyzing bank statements to determine sufficient required assets. Conducted proactive and effective pipeline management in accordance with performance standard expectations and efficient workflow optimization.Efficiently utilized automated mortgage processing system.Developed and nurtured collaborative working relationships with co-workers, clients, business partners and vendors. Obtained required credit and compliance documentation for assigned applications 4-time recipient of BB & T "Purple Cow" award for excellence in closing error-free loans in less than 30 days turn time Office center just rated #1 nationwide for closing greatest % of loans and achieving 109% of goals with the least amount of errors

Ensured compliance with company, secondary market investor and government standards Analyzed and reviewed loan documentation for accuracy and completeness Analyzed employment profile, credit strength, property characteristics Applied internal guidelines and insurer guideline to the credit decision process. Partnered with processing to attain outstanding documentation needed to complete requirement as stipulated on the commitment. Verified accuracy of supporting employment, down payment, appraisal and final documentation received.

Charlotte, Nc, Us

Provided solutions through lending and companion products that require complex sales techniquesUtilized multiple system applications to navigate enterprise products and recommend profitable solutions from unstructured inbound and outbound sales leads via telephone or internetSkillfully crafted lending products with companion products and pricing that result in customer salesCollaborated with other business units to expedite post-sales issues and problem resolutionRecognized as a product knowledge expert

Analyzed detailed financial and credit data, matching customer needs with an appropriate loan program and level of riskOriginated high quality loans which meet company and government guidelines while providing excellent customer serviceDevelop relationships with real estate professionals, builders, and other business referral sourcesInformed prospective and existing customers of programs, rates, policies, underwriting requirements, and loan proceduresDeveloped and maintain a high degree of visibility

Business Administration And Management, General

Education record