BRENDA MCNULTY

Columbus, OH 43230
614-337-2601
mcnultyb1028@gmail.com
www.linkedin.com/in/brendamcnulty/



CAREER SUMMARY

Dynamic Financial Professional with over 15 years of success leading mortgage operations such as loan underwriting,
closing, processing, default, REO (Real Estate Owned) and foreclosure.
Known to leverage vast knowledge of current compliance, including HUD-1 settlement statements, Good
Faith estimates and Conventional / Government lending regulations.
Committed to training, staff development, and customer service to drive long term profitability. Keen sense
of client and business needs with excellent ability to identify and mitigate risk.
Recognized for driving productivity to optimize efficiency, performance, and quality. Serve as vendor and
investor liaison, interfacing with tact and ease.
Proven to employ analytical acumen to rapidly identify error and fraud. Highly adept at translating strategic
planning into actionable initiatives to achieve goals.

Core Competencies
Loan Underwriting Regulatory Compliance Income, Asset, Collateral Evaluation
Quality Assurance Loan Closing/Processing Conventional /Government Investor Guidelines
Risk Mitigation Pipeline Management Process Improvement & Optimization
Strategic Planning Database Management Operations Management
Needs Assessment P&L Management Training and Development


SELECTED ACCOMPLISHMENTS

Designed and implemented training tool to streamline process increasing productivity for new loan closers.
Developed training curriculum for loan originators and processors presenting revised HUD- 1 settlement
statements and Good Faith estimate (GFE) procedures in relation to job functions.
Taught staff to efficiently stack and ship closed-loan packages in alignment with current investor guidelines.


PROFESSIONAL EXPERIENCE

JPMORGAN CHASE - Columbus, OH 2011 to 2013
Conventional / Default Underwriter
Underwrote delinquent mortgage loans to qualify for modifications using FHA, VA and USDA Waterfall guidelines.
Earned passing score on three required underwriting tests and test cases in the first round.
Selected to transfer three months into tenure to address deficiency in default underwriting.
Contributed to income, credit, asset and appraisal underwriting for mortgage originations and modifications.
Ensured continuous compliance with company policies as well as Federal Housing Authority (FHA), Veteran
Affairs (VA), United States Department of Agriculture (USDA), Fannie Mae (FNMA) and Freddie Mac (FMAC)
procedures and regulations.
Instrumental in achieving monthly team goals for income and quality control scores based on external audits.
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PROFESSIONAL EXPERIENCE (continued)


Accomplishments
Key contributor to achievement of audit ratings of 90%+ to attain team goals. Leveraged aptitude for
multitasking and organization to meet daily decision quota. Remained abreast of most recent laws related to
banking guidelines and statutory requirements.
Recognized for delivering accurate compliance and executive-level reporting.

BANK OF AMERICA - Columbus, OH 2003 to 2010
Mortgage Loan Closer
Exclusive loan closer for team of up to 15 high-functioning internal and external loan originators.
Coordinated closing package documents for title companies related to conventional and government loans,
exceeding 125 loans per month.
Approved all Hud-1 settlement statements and funded loans.
Received all closed-loan packages, evaluating for signature and document deficiencies requiring revision prior to
shipping deadlines.
Prepared and shipped all finalized loan packages to home office according to investor guidelines.
Interfaced with loan officers, customers, and realtors throughout loan lifecycle.

HUNTINGTON NATIONAL BANK - Columbus, OH 1992 to 2003
Mortgage Loan Processor / Closer
Performed loan processing operations and compiled borrower documents illustrating income and assets together
with credit reports, and property appraisals to provide informed loan decisions.
Obtained, reviewed and submitted documents to underwriter for final approval within established deadlines.
Accurately entered loan information into LOS (Loan Origination System) for processing, ensuring all areas were
complete and in line with company policies and investor guidelines.
Transferred to closing department in year six and mastered closer functions for all loan types and investors.


EDUCATION

Bachelor of Arts (BA) in Liberal Arts Humanities, Florida State University - Tallahassee, FL

TECHNICAL SKILLS
AD (Agent Desktop), DU (Desktop Underwriter, MSP (Loan Servicing Platform), Data Verify, DW
Microsoft Office, Word, Excel, FHA connection, CAIVRS