Patrick Bruns Email & Phone Number

West Des Moines, Ia

Post Close Package Reviewo Create and maintain Post Close Review Checklist for audit team – changes based upon State, Federal, Investor and Freedom direction.o Assist audit team with issues and problems when finding deficiencies in post close packages and act as point of escalation when deficiencies cannot be cured by the auditor.Monitor Loan Estimate (LE), Closing Disclosure (CD) Audits and other audits by directiono Monitor LE and CD audit results conducted by the audit team.o Provide support for audit team to ensure audits are consistent and correct.o Report LE and CD findings to the production regions monitored.o Audits by direction can vary depending on QC findings.Train employees and Create Procedures in the Audit areas.o Recognition training of documents found in Post Close Packages for purchase and refinance transactions to complete Post Close package audit.o Basic processing and underwriting guidelines including understanding Automated Underwriting System findings, acceptable VOEs, and appraisals, FHA and VA underwriting forms.o Grading and auditing loan packages prior to submission to the processing and underwriting departments.

Regulatory, System or Compliance Changeso Support Legal and Compliance, Underwriting, Production Services and Call Center Management to determine what changes are needed to procedures and systems when regulatory, investor or Nationwide’s direction is received.o Document and communicate directly with the IT department when changes are needed to the originating systems for compliance with regulatory, investor or Nationwide changes. Test IT updates to ensure changes are correct. Mortgage Agents (Loan Officers)o Responsible for Mortgage Agent training including Conventional, FHA, VA and Jumbo product. o Create or update Mortgage Agent procedures, job aids and communicate changes.o Call Center point of contact for problems or issues.Production Services o Responsible for training including auditing files to determine if file can be purchased from correspondents and meet secondary market guidelines.o Production Service’s point of contact for problem solving when questions arise from correspondent lenders not covered in procedures.o Maintain procedures, job aids and communicate changes when changes are made.Correspondent Channelo Maintain the Nationwide’s Correspondent website lending manual, forms, training tabs when regulatory, investor or Nationwide directs changes to lending policies.o Assist Account Executives with time sensitive issues.o Communicate changes to correspondent partners when changes are made to policies and procedures.Underwritingo Create or update Underwriting procedures. Mortgage Agent Supervisor/Lead Oct 2005 - May 2007 • Directed call center sales team with sales training to meet individual and company goals with loan applications.Mortgage Agent Aug 2002 – Oct 2005• Sold Conventional, FHA, VA and Jumbo products in a call center environment ensuring customer received the best product and price that Nationwide could offer for the borrower’s current situation.