Scott Brownlee

Experience

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  Blakely Texaco

  Jan 2004 - Jan 2012

  Customer Service Representative / Assistant Manager

  Worked closely with customers to address service issues and inquiries. Performed a wide range of basic mechanical services. Handled cash receipts and payments. Managed administrative duties including making daily deposits, customer account management, accounting records, and opening and closing of business.

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  Financial Foundation Group

  Jan 2013 - Jan 2014

  Acclerated Management Trainee

  Conducted outbound calls to prospective leads to promote the benefits of refinancing with Foundation Financial Group.Attained a solid understanding of the products, services and advantages FFG offered, including residential mortgage lending/refinancing, property/casualty insurance for home and auto, life insurance, and retirement services. Worked with customers to identify the best product solutions to meet their needs, while resolving concerns or reservations.Gained a wealth of information on the mortgage and loan industry, as well experience working one-on-one with potential and existing customers and other professionals in all areas of mortgage and finance. Position required the ability to work well both independently and as a productive member of the team. Show less

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  MiLEND, Inc

  Jan 2014 - now

  Concurrent to Division Manager role. Review loans to determine compliance, customer qualification, and the best product options from multiple mortgage products to meet each borrower’s needs, requirements and financial expectations.Act as a liaison between clients and underwriters to secure all items necessary for successfully close of loans. Uphold a customer-centric focus, and maintain quality business relationships to ensure the best customer experience possible.Expert knowledge of Desktop Underwriter and Loan Prospector (DU/LP). Extensive experience utilizing Encompass. Show less Control all HECM oversight. Quickly assess and determine, via acquisition of pertinent financial data and compilation of specific loan scenarios, whether a Home Equity Conversion Mortgage (HECM) will provide an individual consumer with a better product option over a more traditional loan. Work with a wide range of top-industry loan officers and mortgage consultants.Explain costs, pay-out options and features of all products, and counsel customers on best options. Secure all necessary information and documentation. Ensure each customer understands the loan process from application through closing. Monitor conformity of terms and expectations.Administrate the HECM software and ensure it is up-to-date with the most current loan products, compliant documents, and rates based on LIBOR. Track, update and maintain loan officers’ license status and information.Collaborate on marketing strategies working with the Marketing Team. Identify potential HECM borrowers and target markets, and secure new business opportunities through multimedia advertising.Notable Achievements during MiLend Tenure:Top processor and the most requested by loan officers and mortgage consultants within Operations. Hold the record for most closed loans in a single month.Comprehensive knowledge and understanding of the loan and mortgage industry from every aspect of the business operation and every point-of-view, including sales, products, processing, marketing, compliance, communications, training, human resources, financial solutions, fraud identification/mitigation, quality customer service, and more.Gained extensive expertise in a wide range of loan types, including FHA (Federal Housing Administration), VA (Veteran Administration), Conventional loan products (Fixed and Adjustable rate), HECM (Home Equity Conversion Mortgage), and HELOC (Home Equity Line of Credit). Ensured loan qualifications and full compliance. Show less Brought on board to grow and lead an up-and-coming services department. P&L accountability. Started with three employees and rapidly built a successful division; recruiting, training and managing a top-caliber sales team of 17 loan officers and consultants, 13 of whom would go on to be promoted to other leadership roles throughout the company.Optimized and strengthened the loan application and disclosure process, and trained consultants on best practices and communication skills; reducing loan application timeline from 2 hours to 30 minutes, while significantly improving data accuracy, proper acquisition of all required documentation, and successful submission of applications to underwriting.Delivered training on TRID compliance, escrow accounts, loan application disclosures, acquisition of title documents, appraisals, and payoffs, FHA loans, Conventional loans, VA loans, USDA loans and brokered loans, reading key documents (insurance policies, titles, credit reports) and income calculations, and how to identify and mitigate fraud. Show less

  • Senior Loan Processor / Compliance

    Jan 2019 - now

  • HECM Division Manager

    Jan 2017 - now

  • Loan Services Manager

    Jan 2016 - Jan 2017

  • Loan Processor, Operations

    Jan 2015 - Jan 2016

  • Loan Officer / Sales

    Jan 2014 - Jan 2015