Michael Adam Bratcher Email & Phone Number

Review mortgage documents for missing documents/fraud● Audit loans up to $1M or state max● Manages on average $25M loans per month● Responsible for reviewing loan files to Freddie Mac guidelines● Supports innovative solutions in risk reduction● Ensuring all credit decisions are compliant with corporate, state and fed

Orlando, Florida, United States

Underwrote all application go investors guidelines • Analyzed customers documentation including bank statements, operating agreements appraisals and title work.• Ensure loan submittals meet internal and external eligibility requirements• Underwrote an average of 35 initial loans per month and created documents for closing • Attained high quality and customer service numbers for each quarter

Orlando, Florida Area

Underwrote all applications to Fannie Mae, Freddie Mac and Wells Fargo Guidelines• Analyzed all income documentations including business and personal tax returns and calculated debt to income ratios for eligibility.• Worked with loan originators and loan processors in effort to secure all required documents.• Underwrote an average of 40- initial applications per month • Attained high quality and customer service numbers for each quarter

Leesburg, Florida

Underwrote all applications including personal loans and auto loans• Analyzed P&L reports to increase profitability by understanding of keep charge off accounts low• Developed a strategic marketing campaign targeting auto dealerships to fit our specialized product• Reviewed credit reports and income documentation

Underwrote applications and negotiated auto loans • Reviewed up to 50 auto applications and reviewed with auto dealers.• Reviewed credit reports and income documentation.• Increased territory production by 125% in first month.• Made outbound calls to dealers to increase business and purchase loans

Orlando, Fl

Underwrite applications including unsecured, secured loans, home equity loans credit and auto loans• Analyzed financial statements and pertinent information to determine creditworthiness of prospective customers.• Employee of the month for November 2013 for excellent customer service• Maintained less than a 1% error rate for applications reviewed

Orlando, Fl

Assisted in daily operations for a retail bank, including branch sales, business development, customer service, and credit analysis.• Top Banker in Region for 3rd quarter for total production• Developed new business relationships for additional products

 Met or exceed goal for 5 times Responsible for all phases of the sales cycle including prospecting, negotiating and closing Ranked in the Top 10 within the first month Approved and Denied applications• Manage multiple resources to develop new account opportunities while closing the sale and exceeding targets/quotas.

Exceeded all monthly objectives set by RVP and DEVP 95% of the timeApproved and Denied all Auto applicationsManaged P&L to generate an average of $1 million of profit in my tenure Branch of the Month 6 times and in the top 5 3 times

Exceeded all monthly objectives set by company 98% of the timeIncreased small loan receivables by $200,000 each yearBranch of the Month 8 timesIncreased Branch rankings from 99th to 9 Approved and Denied all small loans Handled all customer relationships and dealer relationships

Education record

Education record