Vincent M. Scott Email & Phone Number

Houston, Texas, United States

Houston, Texas, United States

United States

Established a profitable niche market and referral base, consistently driving market share and ranking as top producer in funding volume and units for Legacy Home Loans, one of the fastest-growing, minority-owned mortgage bankers in the countrySELECTED SKILLS* Oversees the daily operations of the branch office, implementing productivity, quality, and client-service standards while providing leadership and vision to guide our sales and operations teams to achieve individual and team goals* Expert knowledge of conventional and government loan products and programs * Proactively solicits new residential mortgage business to meet established loan quality and production goals* Establishes, develops, and maintains client referral relationships with Realtors, builders, developers, title attorneys, and other partners to develop new business and/or retain existing business* Keeps informed of all origination, processing, appraisal, underwriting, and closing requirements for both company and investor guidelines pertaining to both governments insured and privately insured mortgages

Every day, I used my expertise to assure that mortgage loan files for our broker clients were underwritten with the highest concern for quality, accuracy, and compliance with appropriate company, secondary market investor standards, and all applicable lawsSELECTED SKILLS* Trained for DE and LAPP/SAR* Underwrote conventional, FHA, and VA files to achieve company premium and profit goals within designated underwriting authority and guidelines, rating rules, insurance laws and regulations, as well as company policies and practices* Clearly communicated FNMA/FHA/VA, corporate, and investor guidelines and made timely, accurate decisions for customers, loan processors, sales associates, real estate agents, and broker partners* Monitored high-volume pipeline to identify areas that required intervention to expedite the mortgage process and took action accordingly to make the financial relationships with our customers fast, simple, and smart

Performed forensic and new sales underwriting for an industry leader that provides servicing solutions, quality control, due diligence, and underwriting services for banks, mortgage companies, and insurance companies throughout the USA showing that transparency and collaboration aren’t just good values but good businessSELECTED SKILLS* Trained for DE and LAPP/SAR* Underwrote conventional, FHA, and VA files to achieve company premium and profit goals within designated underwriting authority and guidelines, rating rules, insurance laws and regulations, as well as company policies and practices* Clearly communicated FNMA/FHA/VA, corporate, and investor guidelines and made timely, accurate decisions for customers, loan processors, sales associates, real estate agents, and broker partners

Addressed credit-related issues and points of risk to ensure that underwriting met quality assurance standards, with signing authority on conventional loans up to $1 million for the largest bank and mortgage servicer in the USASELECTED SKILLSAs Underwriter (2013 – 2014), in-depth experience underwriting FNMA, FHA, and VA loans* Acted as secondary review and escalation point for conventional and government loans, performing complex audits and investigations to ensure quality control and to identify deficiencies, fraud, or noncompliance* Developed and maintained an up-to-date and sound knowledge of multiple loan product guidelines, DU/LP guidelines, and risk assessment tools used to decision mortgage loansAs Case Management Team Manager (2011 – 2013), managed a team of 16 Customer Relationship Associates focused on FHA loan modifications, risk analysis, document validation, strategic team building, call monitoring, and auditing files* Go-to manager for second-level reviews and for complex and difficult customer escalations* Provided daily coaching, feedback, and monitoring to team based on performance-related reports and management initiativeAs Senior FHA Appeals/Loss Mitigation Underwriter (2008 – 2011) promoted to higher-level underwriting designation within Making Home Affordable (MHA) Appeals resolving the most difficult underwriting questions and scenarios for other UWs* Determined borrowers’ eligibility based on analysis of income, asset, credit, appraisal, and title documentation to determine modifications needed to help homeowners in danger of losing their homes using innovative programs that are part of the national MHA Initiative* Consistently met and exceeded management productivity quotas while maintaining the highest standards of integrity and accuracy to ensure files compliant with strict federal, company, and investor underwriting specifications and reporting guidelines, including RESPA, HMDA, and HOEPA/Section 32