Mortgage Loan Specialist

Gretta Kubis

** ****** **., *********, ** ***** ad5lxi@r.postjobfree.com 910-***-****

EDUCATION: University of North Carolina at Chapel Hill, Chapel Hill, NC - Bachelor of Science - Biology/Chemistry

SKILLS: Residential Lending & Underwriting Guidelines Credit & Income Analysis Collateral Analysis

Cash Flow Analysis FNMA CU Risk Assessment FHA DE Conv, FHA & USDA Mortgages Conforming & Nonconforming Loans ARMs

PC SKILLS & SYSTEMS USED: Encompass & Motion, DU, LP & GUS AUS Systems, FHA Connection, Teams, Windows, MS Word, Excel, Outlook Supplemental Training: Appraisal analysis, credit reports, bus & personal tax returns for self-employment analysis EXPERIENCE:

State Employees Credit Union, Asheville, NC November 1, 2023 to Present MSS Financial Services Representative

Provide members with customer service regarding all banking related services including opening & closing accounts, preforming transactions between accounts including bill payments, unlocking online accounts & assisting members with successful access, & answering all member questions regarding their transactions, accounts, & general banking information. Crescent Mortgage Company, Remote/Atlanta, GA April 2015 to September 2022 Underwriter

Perform initial, condition & final analysis of credit & collateral for Conventional, USDA, FHA, Mtg Insured, & bank portfolio loan programs

Underwrite to Fannie, Freddie, GUS & FHA guidelines; ensure credit soundness & compliance with company & investor standards

Excel in analysis of personal & bus tax returns, income/asset docs, appraisals & credit docs to determine credit eligibility

Determine & document loan conditions and/or alternative options if needed & effectively communicate requirements & decisions in precise manner to maintain positive relationship with internal staff & external customers

Adept at keeping up with changing lending guidelines, new programs & company processes Work efficiently remotely. Reliable in daily schedule & performance with exceptional communication. First Citizens Bank & Trust Company, Hendersonville, NC January 2012 to March 2015 Underwriter

Perform credit & collateral analysis for Conv, USDA, NCHFA, Jumbo, Mortgage Insured, & bank portfolio loan programs

Examine & underwrite to Fannie, Freddie, GUS, & multiple industry lender guidelines to ensure soundness, business value, & compliance with company & investor standards Experienced in reviewing personal & business tax returns, legal documentation, appraisals, title reports, & credit documentation to determine credit eligibility Maintain current knowledge of lending guidelines & industry regulations & Adoptable/Flexible in a fast-paced changing environment

Maintain pipeline of 50+

REFERENCES - available upon request

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