Manager Management
Resume:
K r isty Heidorn
Jacksonville FL 32256
Cell 719-***-****
*************@*******.***
Objective:
To obtain a contract underwr it ing/ direct hire position, and I am willing to consider relocating to various
locations, where my skills and experience in mortgage underwriting, management, team lead, credit r isk
management, and t raining can be utilized effectively.
E xperience:
Contract Underwri ter – PHH Mortgage, Jacksonville FL – January2010 – Current
Underwri ting VA, FHA, and Conventional mortgage. PHH Mortgage defined the Private Label Mortgage
Outsource Underwri ting model . Underwri ting involves loans from clients from across the United States
i ncluding banks, mortgage brokers, real estate agents, corporations, etc. Manual and DU/LP
u nderwri ting, Fannie Mae, Freddie Mac, and government loans. Credit Risk Management team.
Contract VA Underwri ter - USAA San Antonio TX - July 2009-August 2009
Underwri ting VA government loans, documentation review and sign off, lending authority to 421k, DU,
manual underwri ting. Worked off of a Fiserv system.(reason for leaving: contract requirements completed)
January 2007 - July 2009:
The Best Li t t le Horse House in Hastings, Inc. Hastings, NE
2110 N Elm Avenue, Hastings NE 68901
501(c)3 Non Profit Organization
Manager / Owner / Horse Advocacy Shelter -
Horse Intake, rehabilitation, and re-homing. Cooperation with local and national authorities in equine
neglect and abuse cases, annual tax preparation, accounts payable, accounts receivable, preparing and
f iling Art icles of Incorporation and 1023 Tax forms to obtain 501(c)3 non profit status, adoption contract
p reparation, reference checks, consultation with new horse owners, administration of community service
p rogram, supervision and t raining of volunteers and community service workers, spokesperson for
organization for press releases or public news interviews, bookkeeping, expense budgeting, website
design, development, and maintenance. (note: worked outside the mortgage industry in this field as
mortgage underwr it ing positions did not exist in the Hastings, NE and surrounding area)
October 2004 - November 2006
Novastar Mor tgage, Inc.
4059 Kinross Lakes Parkway, Richfield OH 44286
Team Lead / Underwri ter Mortgage Finance
Wholesale Underwri ting. Conventional FNMA/FHLMC & Subprime Loans, member of audit team for
post-close/pre-sale on the secondary market loan portfolios, appraisal, ti t le, and documentation review
and sign off, lending authority to 1.5 million. Automated underwri ting with custom system based off of
t he Desktop Underwri ter / Loan Prospector models, (Novalinq) as well as extensive manual
u nderwri ting, Team meeting coordination and team supervision in absence of supervisor, fraud auditing,
use of AVM tools. (Reason for leaving: Relocated to Nebraska)
May 2004 - October 2004
National City Home Equity
6750 M iller Road Brecksville Ohio 44141
Underwri ter - Underwri ting in a wholesale environment. Conventional second mortgages,
F NMA/FHL MC, appraisal, t i tle, and documentation review and sign off, fraud review and AVM use.
M anual underwri ting. (Reason for leaving: Opportunity to work as an advanced first mortgage
u nderwri ter to maintain and grow my career.)
(gap = relocation from Colorado to Ohio & maternity)
October 2002 - November 2003
Count rywide Home Loans & Full Spectrum Lending
7150 Campus Drive Colorado Springs Colorado 80920 (Suites 100 and 250)
Underwri ter - Underwri ting in a wholesale environment. Conventional mortgages, FNMA/FHLMC,
appraisal, t it le, and documentation review and sign off, fraud review and AVM use. Countrywide CLUES
automated underwri ting system and manual underwrit ing. (Reason for leaving: Company downsized and
closed branch, all employees layed off)
July 2000 - October 2002
Wells Fargo Home Equity
4455 Arrowswest Drive, Colorado Springs, CO 80907
Operations Processor I I I (Senior) - Member of Mortgage Resource Subprime team, then member of Super
J umbo Conventional FNMA/FHL MC loan department 500k plus loan amounts, underwrit ing authority,
appraisal and t i tle review, condition sign-off, loan processing for conventional loans. (Reason for leaving:
Career advancement opportunity to Countrywide as an underwri ter.)
May 1999 - July 2000
Paradigm Mortgage
6285 Lehman Drive Colorado Springs CO 80918
Assistant to the Regional Branch Manager / Sr. Loan Processor / Trainer - Responsible for the day to day
operations of the branch office, office reports, t raining new loan officers and processors, processing VA,
F HA, Subprime, and Conventional FNMA/FHLMC loans in a retail environment, ordering appraisals,
t i tle work, income verification, vom/vor, certificates of eligibility, fraud review and AVM usage, branch
meetings. (Reason for leaving: Branch closed, owner filed personal bankruptcy.)
Education:
AAS / Agriculture Resource Technology - Equine Management
December 2009 - Western Dakota Tech
References:
Bill Icenhour - Former Supervisor Novastar Mortgage, Inc. 330-***-****
**************@*****.***
Tamara Henry - Former Co-Worker Novastar Mortgage, Inc. 330-***-****
**********@***.***
Monica Kowalski - Former Co-worker Wells Fargo 719-***-****
**************@*******.***
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