BRENDA GRAHAM

105 Cedar Rock Road, Leeds, Alabama 35094

205.699.2857
205.229.4159
brendagraham@windstream.net

Conventional Mortgage Underwriter / Junior Underwriter

QUALIFICATIONS PROFILE
Multi-faceted and dynamic professional with progressive experience in lending pr
ocesses, mortgage banking, and loan restructuring; demonstrated experience in an
alyzing, reviewing, and underwriting complex consumer requests. Consistently mai
ntain the highest possible level of organizational efficiency and compliance eth
ics. Possess strong administration and process management abilities, complemente
d with excellent reporting and communication skills; acknowledged for exceptiona
l negotiation skills and keen attention to detail, combined with deep entreprene
urial spirit and exceptional business acumen.

AREAS OF EXPERTISE
- Leadership and Team Building
- Strong Analytical Abilities
- Product Knowledge
- Funding and Loan Documentation
- Employee Relations
- Client Relations
- Laws and Regulations Compliance
- Strategic Planning
- Conflict Resolution

CAREER PATH

ACRE MORTGAGE AND FINANCIAL INC. ~ Leeds, AL

Net Branch Manager May 2006-Present
Provide direct supervision in producing loans through realtors, builders, and va
rious referrals. Assume full responsibility in the loan application process from
receiving requests and obtaining vital documentations to submitting to underwri
ting and closing. Obtain in-depth knowledge of product procedures and underwriti
ng updates for FHA, VA, and conventional mortgages. Research and analyze various
documents, such as credit reports and appraisals as well as bank statements and
tax returns for accuracy.

THE MORTGAGE PLACE ~ Leeds, AL

Owner, Sub S Corporation Oct 1997-May 2006
Held accountable for brokering numerous confirming and non-confirming convention
al loans, VA loans, and second mortgages. Negotiated with all real estate agents
, builders, and refinancing mortgages. Analyzed and interpreted credit reports a
nd appraisals, precisely calculated income, scanned and assessed tax returns and
bank statements, as well as verified the probability of continuous employment.

JOHNSON & ASSOCIATES MORTGAGE CO., INC. ~ Birmingham, AL

Vice President / Bottom Line Branch Manager / Loan Originator Sep 1988-Oct 199
7
Created and cultivated business relationship with multiple realtors and builders
; took charge in managing applications; and comprehensively analyzed various cre
dit documents appraisals before submission to underwriting.

EDUCATION AND CREDENTIALS

Continuing Education in Mortgage Lending: 2010 ~ AMBA, Birmingham, AL
Nationwide Mortgage Licensing System & Registry (NMLS) Studies: 2010 ~ AMBA, Bir
mingham, AL
Delegated Underwriting Course: 2009 ~ Capstone Institute, Marietta, GA
Continuing Education in Mortgage Broker: 1997-2006
MORTGAGE BROKER LICENSE (STATE OF ALABAMA)
CERTIFICATE OF APPROVAL FOR DELEGATED UNDERWRITING

PROFESSIONAL AFFILIATIONS
Leeds / Moody Real Estate Caravan ~ Pell City Board of Realtors