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Experienced Mortgage Loan Underwriter

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Country: United States
State: Florida
City: Jacksonville
ZIP: 32256
Salary: 70,000
Posted date: 9/5/2012   all resumes
Contact Info: *******.********@*****.*** ***-***-****
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Resume Text:

Kimberly Hartzog

***** ***** ****** ***** **** 308
Jacksonville, FL 32256

Career Focus

Results-oriented mortgage professional with extensive mortgage and financial experience.

Summary of Skills
● Credit & Income Analysis ● Desktop Underwriting
● Quality Control Audits ● FHA Connections
● FHA Government Guidelines ● USDA LINC
● Risk Assessment ● Freddie Mac WPII
● DTI Ratios/LTV Ratios ● Lender Processing Services


●Selected by Vice President for exclusive training and mentoring program
●Awarded Employee of the Month various months
●Management appointed to provide training and mentoring to peers to meet and exceed company standards

Professional Experience

FHA Business Control Underwriter, 09/2011- Present

Bank of America- Contracted by DISYS – Jacksonville, Florida

●Perform final audit on loans to ensure loan is underwritten, documented and processed in accordance with industry and FHA/HUD guidelines

●Verify the existence and accuracy of credit/income documentation, and acceptable eligibility is used to reach underwriting decision

●Participate in Rebuttal calls with Sr. Management and upfront underwriting staff to negotiate solutions on problem loans

●Coach and develop new hires in Bank of America & FHA policies & Procedures

●Advanced knowledge within FHA & HUD guidelines

Underwriter, 04/2009 - 09/2011

JP Morgan Chase Bank – Jacksonville, Florida

●Underwritten and approved Fannie Mae, Freddie Mac, VA, FHA, USDA, Convention and Sub-Prime mortgages

●Restructured mortgages under the U.S Treasury Department Home Affordability Modification Program (HAMP)

●Reviewed, assessed and reported work product, quality issues, various tests from account on special projects, or requested through Chase Legal Counsel

●Assessed borrower hardship; analyzed housing expenses, calculated self employed and wage earner income

●Represented Chase at mediation hearing along with Chase council via telephone conference

●Worked with investors and government agencies to meet guideline compliance

Loan Mitigation, 09/2006 - 11/2008

GMAC Financial Services – Jacksonville, Florida

●Handled accounts exceeding 60-89 days past due utilizing skip tracing tools

●Resolved individual debtor situations involving delinquency, repossessions and legal actions

●Negotiated with borrowers to bring loan current utilizing extensions and short-term arrangements

Loan Officer, 04/2005 - 10/2005

PHH Mortgage – Jacksonville, Florida

●Originated Home Equity Lines of Credit for potential clients and Home Equity Loans for existing mortgagors

●Took thorough and complete HELOC phone applications; analyze and prequalify applicants financial information to determine viability of the clients desired loan program

●Pulled credit, analyze credit and compare for accuracy with the mortgage borrowers statements

●Performed financial analysis to determine appropriate rate and loan program options

Qualifying Sales Consultant, 02/2003 - 04/2005

ADT Marketing Center – Jacksonville, Florida

●Received inbound sales calls at high-volume national sales center as a result of various marketing campaigns for Home Security Systems

●Sold home security products to existing clients while maintaining and exceeding assigned sales quota

●Provided assistance to current clients in scheduling, installations and creating selling opportunities for additional equipment

●Implemented excellent customer service to clients and continually exceeded sale standards

●Positioned prospect clients for consultations through a critical selling path of gathering information and analyzing their needs


Florida State College – Jacksonville, Florida, United States

Associate of Arts Business Management

Actively pursuing Associate of Arts

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