Download PDF


To obtain a professional loan analyst position, utilizing my extensive knowledge in VA loan guidelines while establishing useful mentor and colleague relationships that facilitate professional development.


General Diploma

Wayne Memorial High School


Tom Batton

Mr. Bratton is in charge of writing policy for all FHA/VA mortgage banking. Mr. Bratton is located in NJ at a corporate office.

Work experience

Dec 2011Apr 2013

VA Loan Specialist

  • Assisted all VA Origination and Operations with VA specific issues that needed clarification.
  • Trained,mentored and lead the Certificate of Eligibility Team
  • Wrote 120 page VA Reference Manual which was passed onto Legal and is now used by the UW department to reference Chase Policy
  • Worked directly with the Chase Head of FHA/VA  Credit Risk Management and Senior Vice President of the FHA/VA Underwriting  to create a VA Max Loan calculator which is now used by the Underwriting department
  • Analyzed specific unresolved VA issues and reported findings to Senior Vice President to assist Forensic Underwriting
  • Documented research to re-create the process of obtaining proper Entitlement and to insure loans were salable per Ginnie Mae Guidelines; which resulted in a simple calculator in Excel still used today in qualifying eligibility and entitlement.
  • Challenged and corrected policy that conflicted with VA and Ginnie Mae guidelines and reported findings to the Head of FHA/VA  Credit Risk Management who verified and corrected the error.
  • Awarded Chase Mortgage Banking Spot Award; the first Spot award given to an operations team member.
Jun 2007Jun 2008

Mortgage Banker

Quicken Loans
  • Consulted with clients about their current and future needs to help them achieve their financial goals.
  • Established an ongoing financial service relationship with clients.
  • Used state-of-the-art technologies to conduct credit, underwriting, and financial analyses while also qualifying clients for various loan programs.
  • Evaluated alternative loan programs and affordable financing options.
  • Educated and advised clients on the home buying process and how to better manage their mortgages.
  • Assisted clients through the application to closing loan process and troubleshot any transaction issues.