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Customer Service Professional Experience

Location:
Illinois, United States
Posted:
February 02, 2018

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** ****** ****● Algonquin, Illinois *****847-***-**** ● ac4bev@r.postjobfree.com

Linda Klbecka

Summary of Qualifications

Excellent team skills

Superior Mentoring and training skills

Strong written and oral communication skills; ability to interact with all levels of management

Superior critical thinking and comprehension abilities

Extensive negotiation skills and ability

Excellent customer service skills

Multi-task orientated, results driven, effectively manages time and thrives in a fast paced environment.

Over twenty years’ experience in the Banking/Mortgage Industry.

Keen knowledge and understanding of underwriting, auditing, compliance, loan servicing and processing.

Highly developed problem solving skills, with adaptability for changes or unexpected obstacles.

Professional Experience

Freedom Mortgage (12/16 – Present) Remote DE Underwriter

FNMA, FHLMC, FHA, Jumbo

loan products

Extensive knowledge of complex taxes returns, both personal and business

Neighborhood Loans (6/16 – 12/26) Senior DE Underwriter

FNMA, FHLMC, FHA, Jumbo loan products

Extensive knowledge of complex personal and business financial analysis along

with tax returns and balance sheet analysis, including both cash flow and AGI

methods.

Knowledge of MI guidelines and correspondent guidelines with individual lender.

American Financial Network(4/14- 5/16) Senior DE Underwriter

FNMA, FHLMC, FHA, Jumbo loan products

Extensive knowledge of complex personal and business financial analysis along

with tax returns and balance sheet analysis, including both cash flow and AGI

methods.

Through knowledge of MI guidelines,

Key Mortgage Services (11/30/12 - 3/14) DE Underwriter

FNMA, FHLMC, FHA and all Lender guidelines.

Through knowledge of complex personal and business financial analysis and expertise in tax returns and balance sheet analysis, including both cash flow and AGI method.

Knowledge of MI guidelines, FNMA, FHLMC and correspondent guidelines with individual lender.

Kinecta Credit Union (4/12 - 11/12) DE Underwriter

Underwriting file to FNMA, FHA and Credit Union guidelines

Waive Conditions

Submit and review automated findings

Through knowledge of complex personal and business financial analysis and expertise in tax return and balance sheet analysis, including both cash flow and AGI method

Through knowledge of MI policies

DE number available upon request

Lake Forest Bank and Trust (09/11 - 4/12)

Review all loans for compliance to guidelines, and government regulations

Prepared loans to be put on automated system

Reviewed automated finding - DU and LP

Home State Bank (Contract) (10/10 - 5/11)

Submit loans thru DU and underwrite to FNMA guidelines.

Portfolios loans manually underwritten to approved bank guidelines.

Underwrote, residential, investment properties.

No cap on signing authority.

OPUS CMC (8/10 - 10/10)

Due Diligence

Reviewed loans for compliance to approved guidelines

Prepare breaches of approved guidelines.

American Law and Litigation (4/09- 7/10) Senior Loan Litigator

Negotiated settlement of delinquent loans.

Developed system for processing modification requests.

Negotiated modification for customer's delinquent loans using underwriting/modification guidelines.

Counseled customers in approaching modified mortgages.

Worked with corporate Attorneys, FNMA, FHLMC to bring about workable modification for borrowers/customers.

Underwriter/Compliance Specialist (6/08 - 3/09) Genworth

Underwrote loans using Genworth approved guidelines and guideline exceptions to identify error that would trigger the rescission of mortgage insurance certificate.

Identified exceptions and prepared exhibits to present to upper management.

Prepared misrepresentation form with exhibits for upper managements review.

Prepared and sent missing document letter to lenders.

Prepare rescission of coverage letters.

Underwriter (Contract*) (10/98 - 3/09) First Union, Chase, Wells Fargo, Ivanhoe

Financial

Used Desktop Underwriter and Loan Prospector to approve conforming, non-conforming and FHA loans (maximum signing authority $750,000).

Used multiple lenders automated systems for loan approval of ALT A loans.

Worked with underwriting liaison for brokers to lenders in preparing their files for submission and quick approvals.

Underwrote prime, sub-prime, ALT A and FHA loans (DE Number available upon request).

Manually underwritten loans on all assignments.

*Contract underwriting for: Genworth, MGIC, PMI, Radian, RMIC.

Education

Grand Canyon University - Working on Bachelor of Science - Elementary Education and

Special Education.

University of Phoenix - Working on completion of Bachelor of Science/Education.

Western Governors University - Bachelors in Education, transferred to University of Phoenix.

Chicago Conservatory College - Music Education (1968-1972).



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