Team Leader Mortgage Underwriter

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KARA SUE POOVEY

Blue Ridge, TX ***** • C: 972-***-**** • ad3f9w@r.postjobfree.com

SENIOR NATIONAL MORTGAGE UNDERWRITER

Credit Risk Analysts • Partnership Builder • Team Leader & Mentor • Program Developer / Administrator Results-oriented and dedicated underwriting professional with hands-on expertise in completing comprehensive credit analysis and underwriting complex loans and providing recommendations regarding approval/disapproval of offering credit to clients based on risk analysis. Skilled at assessing borrower’s financial statements, identifying credit strengths and weaknesses, and providing detailed and documented analysis of credit value. Adept at maintaining detailed procedural processes, leveraging advanced evaluation skills to improve reporting accuracy/efficiencies while ensuring all processes adhere to defined company policies, procedures, and federal lending regulations to limit potential losses. Areas of Expertise

Strategic Underwriting Operations Planning

Lending Documentation Examination & Analysis

Risk Management & Compliance Strategies

Pipeline Activity Management & Operations

Client / Stakeholder Relationship Management

24 / 48 Hour Credit Decision Recommendations

Quality Control & Performance Management

Automated Underwriting Systems (AUS)

Loan Audit & Risk Assessment Techniques

Team Training / Leadership & Mentoring

Key Skills Assessment

Process Management: Demonstrated experƟse in uƟlizing deep understanding of Fannie Mae, Freddie Mac, and FHA/VA guidelines and requirements to support criƟcal lending operaƟons and manage UnderwriƟng Clearing CondiƟon processes.

OperaƟonal Support: Adept at maintaining detailed administraƟve and procedural processes, execuƟng “Best PracƟce” soluƟons that opƟmize company underwriƟng performance and ensure adherence to industry guidelines and policies.

Team Leadership: CommiƩed to coaching, training, and mentoring teams to idenƟfy gaps between ‘desired’ and ‘actual’ performance and deploy tailored soluƟons that improve producƟvity and overcome obstacles.

Strategic Performer: Readily able to transiƟon from one criƟcal task to another to address urgent/emerging needs, while effecƟvely interfacing with management team to collaborate on issues and resolve problems.

Partner / Client Engagements: Overseeing all aspects of clients’ engagements, including analyzing risk data to idenƟfy issues and determine the borrower’s risk profile and provide tailored soluƟons to meet client’s needs.

RelaƟonship-Builder: UƟlize advanced interpersonal people skills to foster an atmosphere of trust and respect with current and prospecƟve partners and clients, working closely with key decision makers to grow client relaƟons. CAREER SUMMARY

REMOTE MORTGAGE LENDING UNDERWRITER, Multiple locations Senior Mortgage Underwriter / Underwriter II, 01/1992 to Present Built solid career of excellence in underwriting and clear conditions for all CONV/FHA/VA/USDA Mortgage loans & DPA’s. Properly analyze prospective clients' loan application and financial documents to determine underwriting acceptability. Ensure all processes and documentation comply with banking, financial, and industry standards. Analyze accounts to identify risk levels, calculate all income types, and analyze complex financials to determine credit worthiness according to industry guidelines. Skilled in reviewing and processing mortgage modification requests and preparing written credit memorandums. Key Assignments:

SWBC MORTGAGE, San Antonio, TX (05/2020 to 05/2023): Recruited to underwrite and clear conditions for a wide range of mortgage loans for National Underwriting division; managed an active pipeline of 60 + loans a month; exceeded all QA goals; maintained an open communication to report credit risk decisions to several branches nationwide.

NATIONSTAR MORTGAGE, LLC / MR. COOPER, IRVING, TX (08/2019 to 05/2020): Assisted in underwriting and clearing all underwriting conditions for National Wholesale division; managed an active pipeline of 50 to 75 loans a month exceeded all performance and QA goals; maintained an open communication to report credit risk decisions to the clients. KARA SUE POOVEY Page 2

LEADERONE FINANCIAL CORP., Plano, TX (05/2018 to 08/2019): Worked closely with several branch offices naƟonwide to Underwrite & cleared condiƟons on CONV/FHA/VA/USDA Mortgage loans & DPA’s; helped manage all underwriƟng scenario desk acƟviƟes and oversaw highly acƟve underwriƟng pipeline; assisted in training new mortgage processors and loan officers regarding proper use of Encompass System and adhering to industry guidelines; prepared formal reports for all compliance reviews; managed mulƟple projects to ensure all processes adhered to company and industry guidelines.

PRIMARY RESIDENTIAL MORTGAGE, INC., Plano, TX (08/2008 to 04/2018): Served as Senior NaƟonal Underwriter, charged with evaluaƟng and examining mortgage loan transacƟons to ensure accuracy and completeness of all documentaƟon and clearing all underwriƟng condiƟons for mulƟple branch offices naƟonwide.

COUNTRYWIDE HOME LOANS, Plano TX (01/2008 to 07/2008): Excelled in this fast-paced environment, reviewed and processed underwriƟng/mortgage modificaƟon requests for FHA/VA New ConstrucƟon & Refinance projects NaƟonwide.

MARKET STREET MORTGAGE, Dallas, TX (05/2006 to 10/2007): As a Regional Underwriter consistently met all underwriƟng producƟon goals; provided 2-3 decisions in Ɵmely manner thus meeƟng the 48-hour underwriƟng turnaround Ɵme and 24-hour turnaround Ɵme for all clearing condiƟons for client throughout Texas and Oklahoma region.

GMAC MORTGAGE CORPORATION, Plano, TX (10/2005 to 04/2006): ProacƟvely managed acƟve pipeline of 50 to 75 loans a month to support all underwriƟng, loan funding and closing acƟviƟes; served as peer-to-peer mentor to jr. underwriters.

COUNTRYWIDE HOME LOANS, McKinney, TX (01/2005 to 09/2005): Supervised and directed all branch operaƟons as the Branch OperaƟons Manager, led and directed daily acƟviƟes of the operaƟons staff to properly process, underwrite, and close mortgage loans; opened branch and trained staff on company products and procedures accurately/quickly.

AIG/UNITED GUARANTY, Dallas, TX (11/2004 to 12/2004): Served as contract Senior Underwriter for over 80 lenders for a full-scale broker and wholesale book of business.

ALLIED HOME MORTGAGE CAPITAL CORP., Greenville, TX (08/2004 to 10/2004): Met and maintained all underwriƟng producƟon goals; conducted thorough loan file analysis to ensure compliance with Fannie Mae, Freddie Mac, FHA, VA guidelines. ADDITIONAL EXPERIENCE

Senior Underwriter (01/2004 - 08/2004) • BSM FINANCIAL, L.P., Richardson, TX Senior Underwriter (06/2003 - 01/2004) • WASHINGTON MUTUAL, Plano, TX Branch OperaƟons Manager/Underwriter (04/2001 - 05/2003) • COUNTRYWIDE HOME LOANS, North Dallas & Garland, TX Senior Loan Specialist/Underwriter (03/1998 - 04/2001) • COUNTRYWIDE HOME LOANS, North Dallas & Garland, TX Jr. Underwriter (10 /1997 - 02/1998) • FIRST NATIONWIDE, Plano, TX Senior Loan Specialist (08/1997 - 10/1997) • ARDEN MORTGAGE, Richardson, TX Senior Loan Specialist (07/1996 - 07/1997) • ACCUBANC MORTGAGE CORP, North Dallas, TX Senior Loan Specialist (04/1995 - 07/1996) • FIRST AMERICAN BANK, Plano, TX Senior Loan Specialist (03/1994 - 03/1995) • METMOR FINANCIAL, INC., North Dallas, TX Loan Specialist (03/1993 - 03/1994) • INDEPENDENCE BANK, North Dallas, TX Loan Specialist (01/1992 - 03/1993) • CHOICE MORTGAGE, Richardson, TX EDUCATION BACKGROUND

NORTHEASTERN OKLAHOMA A&M JR. COLLEGE, Miami, OK

Associate of Arts in Business AdministraƟon

AccounƟng CerƟficaƟon

Technical Skills:

MS Office (Word, Excel, Outlook), Encompass, DataVerify, DataTrack, Edge, EHousing Bond Loans, Virginia Cadance

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