Mo Brayton

About Mo Brayton

Senior mortgage banking executive with 30+ years of experience leading residential…

Experience

1. First Vice President, Residential Credit Officer

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   Mar 2021 — Present · Renton, WA, US

   Directed and empowered a high-performing operations team, achieving exceptional results by fostering collaboration, accountability and continuous improvement. • Drafted and implemented with staffing streamlined processes and workflow optimizations, resulting in a reduction in expenses while achieving a drastic increase in closings. • Recognized deficiencies in processes, then created and executed comprehensive training programs to enhance the skills and competencies of team members resulting in a remarkable reduction in error rates. • Created written credit standards, policies and procedures for the Residential Lending Department. Implemented comprehensive training sessions to educate staff concerning said policies and procedures, ensuring seamless adoption and adherence to operational standards across the organization. • Implemented efficient scheduling practices and workflow optimizations, resulting in the elimination of overtime while simultaneously boosting productivity and ensuring error-free outcomes.• Collaborated with sales to develop and implement credit policies and procedures that were both in compliance with regulatory requirements and embraced by the sales team. Constantly sought out new and emerging markets and the ability to meet niche customer needs. • Collaborated with senior leadership to establish bank credit risk appetite and implement strategies that aligned with organizational and departmental goals. • Developed and introduced new credit programs specifically targeted for portfolio and CRA lending.• Designed credit programs and guidelines specifically designed to increase deposits to the bank.

Education

• Seattle University

  Doctor of Law (J.D.), business school of law

  1999 — 2003

• University of Washington

  Bachelor of Arts, Foreign Languages and Literatures, General

  1987 — 1991

Skills

• Underwriting
• U.s. Federal Housing Authority (Fha)
• Loans
• Mortgage Underwriting
• Banking
• Home Equity Lines of Credit
• Home Equity Loans
• Mortgage Banking
• Finance
• Real Estate Financing
• Loan Origination
• Mortgage Lending
• Small Business Lending
• Fha
• Credit
• Credit Analysis
• Residential Mortgages
• U.s. Va Loans
• Refinance
• Consumer Lending
• Va Loans
• Credit Risk
• Usda
• Leadership
• Construction Loans
• Loss Mitigation
• Fha Financing
• U.s. Department of Agriculture (Usda)
• Management