Miriam Braga Email & Phone Number

West Hartford, Connecticut, United States

Avon, Ct 06001

Responsible for the review and disposition of all loan types. Experienced in FHA, VA, USDA, CHFA, with some experience in RENO loans and 203K, Designations include SAR, DE, CRU. Responsible for the clearing of all Post Closing and QC findings. Worked with both Retail and Broker loans. Heavy Broker and LO contact on all loans in pipeline. Minimum number of loans underwritten 40 per month.

Manchester, Ct

Manchester, Ct

Responsible for the reviewing and decision of all loans types. Restructuring of deals when loans did not meet guidelines as submitted. Reviewing of appraisals and disclosures to ensure proper compliance with product and guidelines.

Manchester Ct

Areas of expertise include, FNMA, VA, FHA,FHLMC,USDA, CHFA, MBA CRU. Reviewed all loan types including state housing loans. Responsible for credit and appraisal reviews. Ensured that loan met all product guidelines and compliance.

Remote

Majority of loans reviewed were Government, FHA/VA. Responsible for reviewing of appraisals to ensure collateral. Reviewed all credit documentation to ensure that loan met all required product and compliance guidelines.

Fort Washington Pa

Responsible for the reviewing and decision of all loans types. Restructuring of deals when loans did not meet guidelines as submitted. Reviewing of appraisals and disclosures to ensure proper compliance with product and guideline

Bloomfield Ct

Responsible for the reviewing and decision of all loans types. Restructuring of deals when loans did not meet guidelines as submitted. Reviewing of appraisals and disclosures to ensure proper compliance with product and guideline

Responsible for reviewing and researching all investor repurchase requests from FNMA and FHLMC. Decision either as concurring for repurchase or appeal. Responsible for requesting of all wires to be submitted to investor for reconciliation of loan repurchase.

Responsible for the underwriting/approving of FHA/VA government files. Responsible for the restructuring of deals when loans did not meet guidelines as submitted. Reviewed appraisals and disclosures to ensure proper compliance with product and compliance guidelines.

Responsible for the underwriting/approving of FHA government files. Worked strictly with Wholesale Brokers. Responsible for the restructuring of deals when loans did not meet guidelines as submitted. Reviewed appraisals and disclosures to ensure proper compliance with product and compliance guidelines. Traveled extensively to other branches across the US to facilitate in times of heavy volume and training of new hire employees. Was part of creating and implementing of a new automated… Show more Responsible for the underwriting/approving of FHA government files. Worked strictly with Wholesale Brokers. Responsible for the restructuring of deals when loans did not meet guidelines as submitted. Reviewed appraisals and disclosures to ensure proper compliance with product and compliance guidelines. Traveled extensively to other branches across the US to facilitate in times of heavy volume and training of new hire employees. Was part of creating and implementing of a new automated underwriting system specifically for Vertice. Show less

Responsible for all areas of New Hire Training, including Compliance and Skill Development on a nationwide basis. Also included in these responsibilities was the creation of new Training Modules and setting of Policies and Procedures. Edited and perform Quality Control on the different training manuals as well as creating different programs for different skill levels. Also did Branch Evaluations and Assistance in times of heavy volume.

Processed all files from beginning to close. Reviewed all credit docs and appraisals upon receipt. Addressed all deficiencies and the resolution of such as quickly as possible to assure salability. Underwrote all conventional products as well as Home Equity Lines and Fixed 2nds. Worked with Desktop Underwriter and Loan Prospector.

Supported and assisted the Branch Manager and Home Loan Consultants during heavy volumes by accepting applications/documents and processing as required. Underwrote all conventional loan products as well as Home Equity Lines of Credit and Fixed Rate 2nd Mortgages. Responsible for creating Policies and Procedures for the office. Supervised 3 Loan Processor and 2 Loan Closers.

Responsible for Quality Control of all Home Equity Lines and Fixed 2nds. Addressed and resolved all deficiencies as quickly as possible to assure loan saleability. Acted as a liaison between customers and Loan Servicing Dept.

Processed all files from beginning to closing. Reviewed all credit docs and appraisals upon receipt. Addressed all deficiencies and the resolution of such as quickly as possible to assure salability. Underwrote all conventional products as well as Home Equity Lines and Fixed 2nds.