Brian Dinsmore has over 15 years of experience in various roles within the mortgage industry, including underwriting, closing, funding, quality control, and project management. He is currently working as a Closer/Funder at USAA, where he facilitates the closing process and ensures regulatory compliance. Prior to this, he held underwriting and quality control roles at several other mortgage companies, specializing in areas like compliance audits, risk assessment, and training. Dinsmore has extensive experience in all stages of the lending lifecycle from origination through servicing and securitization.

1. BRIAN DINSMORE
1810 E Palm Ave, Tampa, Fl 33605 | (C) 813-247-5867 | | bcdinsmore@gmail.com
Professional Summary
Expert mortgage industry professional and qualified management producer with over 15 years direct
experience in multiple facets of mortgage Due Diligence, Underwriting, Closing, Funding, and startup
project development. Primary focus in Project Management of RESPA/TILA/TRID Compliance, Post
Closing Servicing review, and Quality Control of loan pools securitized, purchased, assigned, putback, or
sold in the Residential Mortgage Backed Securities market. Specialized training and mentoring expertise in
evaluating the complete mortgage process from loan origination through post closing servicing review to
Investor transfer within the Secondary Market resulting in accurate reporting of market pricing and material
risk analysis. Proven career proficiency in Conventional/VA/HUD/HELOC/USDA Guideline audits,
Fraud/Misrepresentation reviews, Closing/Funding, Federal and State compliance, FHLMC/FNMA
underwriting guidelines, servicing analysis, Institutional Investigation, and Scratch and Dent material risk
assessment.
Experience
April 2016 – Present
USAA (Contract – Peyton Resource Group) - Tampa, Florida
Closer/Funder
 Advanced knowledge of CADENCE, RealEC, Closing Insight, and LAPS underwriting systems to
facilitate accurate completion of individual member Closing Disclosures, Closing packages,
Underwriting Conditions, and all other closing-related tasks.
 Proficient implementation of industry standards, internal procedures, and regulatory requirements
of Conventional and VA loan products to ensure adherence to USAA’s service level objectives,
internal policies and regulatory guidelines.
 Maintain efficient communication with senior managers, underwriters, processors, closers, funders
and 3rd party companies throughout the internal workflow process to assure streamlined issue
resolution and enhance a positive member experience.
 Request and Validate closing loan documentation for accuracy and completeness.
 Proactively identify and resolve all closing and funding issues to exceed S.L.O. intentions and
surmount the members’ expectations in purchasing or refinancing a home investment.
October 2014 – February 2016
Opus Capital Market Consultants, LLC - Lincolnshire, Illinois (Remote)
Independent Mortgage Underwriter
 Forensic credit/compliance reviews/ PHCC audits / Collateral Reviews / QM / RESPA/TRID/TILA
 Implemented procedures for compliance to TRID’s new tolerance rules with a detailed review of the Closing
Disclosure (CD) and Loan Estimate (LE).
 Post January 10, 2013 reviews of Consumer Financial Protection Bureau (CFPB) GSE/QM audits and TQM
loan pools for regulatory compliance and guideline adherence.
 Verified compliance to 2008 Safe Act and regulatory initial disclosure compliance implementation.
 Forensic credit, compliance, and servicing audit of seasoned loans originated 1998 to 2009.

2. Brian Dinsmore 813-247-5867 Pg2
 Completed loan level due diligence audit to lenders approval/guidelines at origination through post closing
servicing review of Loss Mitigation, Modification, Bankruptcy, Foreclosure, and REO process and procedures.
 Expertise in managing client data in the due diligence reporting of quality control reviews to mitigate potential
material risk through maturity of reviewed loan pools.
 Completed Securitization Independence training April 4, 2015.
 Developed effective risk management controls for every phase of the mortgage process to ensure monitoring
of material exceptions and provide a rigorous reporting of required trailing solutions to avoid costly regulatory
cures and penalties.
 Preformed loan level due diligence underwriting review and Quality Control/Quality Assurance Validations on
Regulatory Compliance Remediation Projects/Lookbacks, Fair Lending, UDAAP, Dodd-Frank conformance
and implementation.
 Analyzed credit documents, including, but not limited to, mortgage applications, credit history and income
documents, title documents, appraisals, and all associated file disclosures.
 Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors for
guideline conformity.
 Ensured final reports were uniform, complete, comprehensive, compliant and suitable for use in the client
decision-making process.
September 2013 – September 2014
JCIII & Associates - Tampa, Florida
Independent Mortgage Specialist - Servicing reviews/Seasoned Compliance
 High producer of 12 - 36 month payment history and collection comment servicing reviews.
 Specialty in REO, Foreclosure, and Bankruptcy pricing components and risk analysis. Completed full
payment history cash velocity and collection comment audits for pricing components and successfully
reviewed all servicing and legal related obstructions for tiered exceptions.
 Closely monitored the performance of clients’ specialty loan portfolios and implemented changes to
achieve performance targets.
 Identified problem areas within the loan portfolio, analyzed risks, and recommended appropriate
solutions or exceptions.
 Trained new team members on applying due diligence procedures and regulatory mandates.
 Verified loans adhered to all federal and state compliance guidelines relative to retail mortgage
lending.
 Verified loan credit, income, and assets adhered to original guidelines and approvals.
May 2004 – August 2013
Clayton Services - Shelton, Connecticut / Tampa, Florida
Project Lead/QC/Underwriter
 Dedicated high volume producer with strength in multitasking, team building, employee management,
and client satisfaction.
 Managed multiple teams of 12-100 Underwriters and Quality Control personnel for multiple clients on
Due Diligence pools for Credit Underwriting Guideline audits, State and Federal Compliance adherence,
and full servicing risk audits on varied client loan pools.
 Answered clients' questions about specific exception based reporting for credit guideline adherence,
RESPA/TILA compliance, and consulted on mitigating risk factors uncovered while reviewing 12-36
month payment history audits and collection commentary reviews.

3. Brian Dinsmore 813-247-5867 Pg3
 Trained new team members on applying due diligence procedures and regulatory mandates. Specialty
focus on risk assessment of non-performing and re-performing payment history and collection
comment reviews. This included specialized experience in procedures leading to potential material
client specific concerns related to Bankruptcy, Foreclosure, and Legal adherence to Municipal, County,
State, and Federal regulations and statutes.
 Performed in-depth reviews of loan files ensuring compliance with lender and FNMA/FHLMC guidelines,
State and Federal regulations, Fraud reviews including 3rd party verifications of associated parties and
legal reviews.
 On site FHLMC Project lead for specialized "SWAT" team focused on servicer compliance to Federal
HAMP program. Led Institutional Investigations team related to HAMP/TARP compliance targeting
program deficient servicers for on-site compliance training.
 Assisted servicing teams on loss mitigation and modification to program procedures within reps and
warrants on securitized loan pools.
 Performed Due Diligence Underwriting, Putback Guideline rebuttal, Collateral, and Compliance reviews
on conforming and non-conforming residential mortgages.
 Closely monitored the performance of current and non-performing portfolios of specialty loans and
implemented institutional pricing adjustments based on client specific risk factors to achieve
performance targets.
 Maintained friendly and professional client interactions beyond internal management expectations to
facilitate strong continued business relationships for the organization.
 Identified problem areas prior to reviews by analyzing tape data for trends and tendencies of individual
pools that pinpointed unanalyzed risks and presented appropriate solutions when appropriate.
June 2003 – April 2004
The Response Company - New York, New York
Mortgage Consultant/Closer/Funder
 Frontline mortgage closer/funder for Conventional Prime and Subprime loans, FHA and VA loans.
Responsible for pre and post closing audit of all agency loans prior to funding for compliance to
organizational guidelines.
 Exceeded production expectations of funding 20-50 agency loans per day including a post closing
review audit.
 Trained new team members on applying post closing sale procedures and regulatory mandates.
 Audited and documented all processes and procedures for the post closing department to FNMA
standards.
 Adhered to all Federal and State compliance guidelines relative to retail mortgage lending.
 Interviewed clients to determine current income, expenses, insurance coverage, tax status, assets, risk
tolerance and other information needed to meet underwriting guidelines for funding.
December 2002 – May 2003
RPI - Irvine, California (Remote)
Closer/Funder
 Interviewed clients to determine current income, assets, expenses, insurance coverage, tax status, risk
tolerance and other information needed to satisfy underwriting conditions and regulatory requirements.
 Exchanged correspondence with title companies and loan officers/brokers to satisfy remaining PTC,
Closing, and Prior to Funding conditions required by underwriting guidelines

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April 2000 – October 2002
Choice One Services - Tampa, Florida
Closer / Funder / Post closing auditor
 Reviewed loans for conformance to Chase Wholesale underwriting guidelines and satisfaction of all closing
conditions prior to funding.
 Worked with regional South Florida offices to assist in all aspects of the mortgage process from
origination to closing.
January 1998 – September 2001
SITEL/General Motors - Tampa, Florida
Legal/Arbitration
 Arbitrated lemon law filings on behalf of GM through the Better Business Bureau.
 Negotiated settlements with opposing council.
January 1993 – February 1998
Cramer, Haber, McDonald P.A. - Tampa, Florida
Runner/Asset Location Manager/ Bankruptcy Specialist
 Attended 341 Bankruptcy hearings on behalf of Beneficial/Household to negotiate settlements on
secured property.
 Exceeded the clients’ expectations by negotiating redemption of debt on secured property with a 55%
redemption
rate exceeding the clients’ highest expectations of 30%.
 Responsible for all legal filings of Motions, Orders, Recording of judgments, Tax stamps, and
Probate/Guardianship.
 Skip tracing and Asset location specialist for in house collection department.
 Assisted on loan closings for PUD represented by the attorney’s partners. Attended over 150 loan
closings in house. Responsible for providing legal research and assistance for Real Estate law associates.
 Created reports on deteriorating trends and fiscal year end losses for collection department on
commercial debt.
May 1991 – December 1993
Barbara Realty - Tampa, Florida
REO Inspector / Specialist
 Responsible for weekly drive by or interior inspections of 20-50 REO properties held by Barnett Bank.
Inspection would report any property damage, inspection and satisfaction of prior bids, and follow up of
general maintenance.
April 1999 – October 2001
12th Man Films LLC - Tampa, Florida
Producer / Cameraman
 Producer of full length feature film documentary We Believe.
An inside look into 6 diehard Tampa Bay Buccaneer fans as they carry through the 2000 NFL football
season and hopeful Super Bowl run. We Believe was released under exclusive contract at Regal
Channelside Cinemas on October 2001.
 Honorable mention at the Wanee Music and film Festival.