Experienced Mortgage Loan Underwriter |
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Resume Text:
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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
Accomplishments
●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
Education
Florida State College – Jacksonville, Florida, United States
Associate of Arts Business Management
Actively pursuing Associate of Arts
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