Mark Braudaway Email & Phone Number

Underwrite new FHA, VA, Non-QM, multifamily up to 25 units and DSCR purchases and refinances

Dallas-Fort Worth Metroplex

Underwrite new FHA, VA & Conventional refinance and purchase loans for the Retail channel

Dallas/Fort Worth Area

Underwrite new purchase and refinance FHA, VA, Non-QM and Conventional loans in the Retail Channel

Dallas/Fort Worth Area

Underwrite new refinance and purchase VA, FHA and Conventional loans in both the Consumer Direct and Broker Direct channels

Dallas/Fort Worth Area

Underwrite new refinance and purchase FHA and Conventional loans

Dallas/Fort Worth Area

Conventional, FHA and VA Underwriter. Purchases and refinances. Consistently ranked in the top 5 in production company wide with excellent QC audits. Pipeline consistently runs 70/30% Government to Conventional.

Dallas/Fort Worth Area

Established the first Single Point of Contact Team, (SPOC), handling Pre-fund and Post Purchase reviews for Correspondent Lending. Team was created by me while I was an Underwriting Team Lead, once the Credit Quality Team grew to additional have additional employees, I was named the manager of the team.• Reviewed and responded to Quality Control findings, Underwriting Performance Review results as well as any re-purchase questions. • Resolved all Shipping related issues that required corrections to the system or 3rd party documentation• Directed Underwriters on the most complex transactions to ensure business originated was in accordance with credit policy, investor guidelines, regulatory compliance for all loan types.• Manage a team that controlled different aspects of the reviews• Rebut repurchase requests from Fannie Mae and Freddie Mac while communicating with the Correspondent from which the loan was purchased in efforts to resolve without repurchase• With the creation of the SPOC, hours have been saved from the production staff with group handling all the issues instead of the Underwriter or Pre-Purchase Reviewer• Un-cured Material defects are kept consistently below 3%

Dallas/Fort Worth Area

Established the first Single Point of Contact Team, (SPOC), handling Pre-fund and Post Purchase reviews for Correspondent Lending. • Reviewed and responded to Quality Control findings, Underwriting Performance Review results as well as any re-purchase questions. • Resolved all Shipping related issues that required corrections to the system or 3rd party documentation• Directed Underwriters on the most complex transactions to ensure business originated was in accordance with credit policy, investor guidelines, regulatory compliance for all loan types.• Managed a small team that controlled different aspects of the reviews• With the creation of the SPOC, hours have been saved from the production staff with group handling the all the issues instead of the Underwriter or Pre-Purchase Reviewer

Dallas/Fort Worth Area

Re-underwrote high risk loans such as Self Employed, Low FICO scores and High Fraud scores. FHA and Conventional loans were reviewed. Conditions were sent to the lender to complete to Stearns Lending's requirements. Constant focus on quality and quantity was maintained. I was the only front-line underwriter in the office while the others worked remote. This made me the primary contact for Underwriting questions from the Correspondent Purchasers, Quality Control and Sales.

Irving, Tx

Risk Manager, accountable for the credit quality and underwriting culture in the Retail Business channel for CitiMortgage.• Communicated and implemented credit policy practices throughout the Retail Fulfillment Centers' credit authority delegated staff including Underwriters and AUS certified processors. • Reviewed and responded to Quality Control findings, Underwriting Performance Review results as well as any re-purchase questions. • Provided leadership resulting in increased vendor audit score from 90% to more than 98% based on SLA of 97%.• Directed Underwriters on the most complex transactions to ensure business originated is in accordance with credit policy, investor guidelines and regulatory compliance. • Maintained a partnership with sales and operations and provided communication of all credit policy updates. • Advised the Deputy Chief Underwriter of issues and trends that required additional training for Underwriters and Processors. • Coached, mentored and developed junior underwriters to ensure a consistent application and interpretation of credit policy to all of the decision-makers within the channel. • Delivered Training and completed audits for new underwriters and provided recommendations for credit signature levels to Deputy and Chief Underwriter.• Charged with a $1.5 million signing authority with experience underwriting loans up to $5 million.

Plano, Tx

Underwriter in the Platinum Privileges area of Fulfillment with a SASE authority for FHA Level 1 and Conventional Level 6 (highest possible) with a $2 million signature amount. • Underwrote Conventional and FHA purchases and refinances including Texas 50(a)6. • Provided training to underwriters on Complex Financial Statements including Personal and Business Tax Returns. • Quickly became one of the most accurate and productive underwriters in the department.

Irving, Tx

Accountable for Risk Management along with the credit quality and underwriting culture of the Retail Business channel. The role requires interfacing primarily with Vendors such as Accenture/Zenta and Sutherland as well as internal Underwriters.• Communicated and implemented credit policy practices throughout the Retail Fulfillment Centers' credit authority delegated staff which included Underwriters and AUS certified processors.• Reviewed and responded to Quality Control findings, Underwriting Performance Review results as well as any re-purchase questions. • Directed Underwriters on the most complex transactions to ensure business originated was in accordance with credit policy, investor guidelines and regulatory compliance.• Maintained a partnership with sales and operations and provided communication of all credit policy updates.• Advised the Deputy Chief Underwriter of issues and trends that required additional training for Underwriters and Processors. • Coached, mentored and developed junior underwriters to ensure consistent application and interpretation of credit policy to all of the decision-makers within the channel.• Delivered Training and completed audits for new underwriters and provided recommendations for credit signature levels to Deputy and Chief Underwriter. • Granted a $1.5 million signing authority with experience underwriting loans up to $5 million.

Dallas/Fort Worth Area

Underwriter for higher risk loans using manual underwriting or AUS system. • Partnered in the training of the new Underwriters. • Selected to serve on the committee review team for Risk. • Audits rank among the best with a rolling 13 month average of over 99% and was recognized as one of the most productive underwriters in the channel. • Completed 2nd level declines and reviews of loans from junior underwriters as needed and maintained a $1 million signing authority and overall experience with underwriting loans up to $5 million.

Irving, Tx

• Assisted in training new Underwriters and provided support to seasoned underwriters for questions on non-routine issues.• Selected to join the committee review team for Risk. • Audit ranks among are consistently among the best at 99.3% and achieved either 1st or 2nd in total decisions issued for the entire channel with a $750,000 maximum loan signing authority.

Irving, Tx

Answered underwriting emails for team Onyx regarding questions on Fannie Mae, Freddie Mac and some FHA requirements.

Provided underwriting for incoming Retail Network files which included Texas loans.• Successfully transitioned from manual underwriting to exclusive use of AUS.• Reviewed the Title, Appraisal, Income and Credit Report for accuracy; cross-referenced with Nationstar guidelines and State and Federal laws.• Partnered with the Processor and Manager on alternative loan options when the current submission did not qualify.• Coached new Branch Managers and Processors on Nationstar processes and systems.• Gained experience with FNMA, auditing/quality control, appraisal review and secondary marketing.

Shreveport, Louisiana

Solicited new loans. Also provided support to the Branch Manager in training of new Loan Officers.