Krystal Adger

Philadelphia, PA *****

ac53f0@r.postjobfree.com

267-***-****

My previous experiences in the mortgage industry, medical insurance, workers compensation, claims, billing and administrative support has allowed me to provide excellent customer service along with excellent organization, written and oral communication skills which I am able to maintain discretion and confidentiality when communicating with others. These skills will me to be an Asset to an Organization and future advancement. Authorized to work in the US for any employer

Work Experience

IQA Analyst

Indecomm Global Services - Remote

July 2009 to Present

through vendor for local bank)

Review closed loans perform risk analysis and make decision regarding deficiencies identified during the review process, identify transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified, accurately record data and review conclusions, communicate the results of file reviews both verbally and in written format to internal and external customers Underwriter

GMAC

May 2008 to June 2009

Responsible for underwriting to ensure compliance with bank, and secondary market standards. Communicates with Processors, Originators, and other internal and external customers. Meets performance standards and goals established by the bank. Underwrites mortgage loan applications, and evaluates loans in order to maximize organizational profit and minimize risk or loss. Accurately analyze new loans and review conditions received based upon the criteria required for the submitted product type, while meeting established productivity and turnaround time goals. Responsible for ensuring sale-ability of each closed loan, balancing risk management responsibilities with creative judgment to maximize lending opportunities. Senior Underwriter

Bear Stearns

April 2005 to October 2007

Following prescribed guidelines; receive and review loan applications and associated documentation to ensure thoroughness and accuracy. Rework the loan to new terms or identify additional conditions as needed Verify loan-to-value ratios, completeness of application information and credit reports. Analyze credit reports and associated documentation, analyze appraisals and qualify and classify loans according to company guidelines Approve, decline and/or recommend loans within established credit guidelines and approval authority limits, maintain acceptable turnaround times for applications submitted for pre-approval and on funding packages submitted for purchase

Communicate with regional office and/or broker promptly regarding loan decisions and update "Daily Underwriter Tracking Report"

Maintain working knowledge of products, services, regulatory requirements, lending environment, regional variances, standard loan calculations and credit policy Review current procedures and guidelines and recommend new processes as needed Interact with Quality Control, Compliance and Funding for problem resolution, risk evaluation and compliance concerns as needed

Assist with training less experienced underwriters and assist management with audits as required ABFS (Upland Mortgage)

Corporate QC Underwriter

November 2004 to April 2005

Examined overall loan documentation to ensure accuracy and completeness Reviewed loan-to-value ratio, debt-to-income ratios, credit reports, applications, exceptions to ensure each loan meet company standards for sale into secondary market Ensured the loan processing staff or loan officer procured appropriate information necessary to finalize incomplete loan packages.

Underwriter for Cendant Corporate Client

Cendant Mortgage Corporation

August 2001 to October 2004

Performed a quality check on the loans going over all the boiling point plate conditions and reviewed Credit reports thoroughly, double checking all accounts for accuracy Maintained average pipeline of loans anywhere from 60 - 80 loans per month and reviewed, analyzed and made final determination on loan submissions

Reviewed appraisals and/or loan packages and signed-off for team members without designation; Discussions with appraisers about their work to ensure quality of appraisal services Determined maximum financing limits while evaluating Piggyback Home Equity requests; issue approvals Underwrote moderate to complex loans while ensuring compliance was met within federal and state regulatory guidelines

Reviewed declined loans underwritten by associate underwriters; countersign if decline was affirmed or otherwise offer suggestions/alternatives.

Accounts Receivable Claims Representative

NovaCare Rehabilitation

July 1999 to August 2001

Verified insurance coverage, tracked and reported bills backlogged for lack of medical documentation, reviewed EOB from insurance carriers and applied batched payments to patient's accounts Performed in depth examination/resolution of correspondence via queue, telephonic and emails from designated centers of aged reports

Determined and took appropriate course of action to resolve open balances and appeals and followed up on insurance denials to obtain payment

Underwriting Assistant

Chase Manhattan Mortgage

September 1997 to June 1999

Responsible for rendering credit decisions by analysis of the loan application, credit and documentation Primary duties consisted of reviewing credit risks, underwriting a minimum of 150 applications per day and also handling customer follow up

Additional Information

COMPUTER SKILLS

• Microsoft Word

• Excel, Spreadsheet, Data base, Lotus Applications

• Blizdocs, Pronet, Cash, Rumba, Broker Portal

• Idesk Applications, Unifi, and U/W Workbench

• Underwriting with DU/LP, Encompass, Lending QB

• Alt-A, Sub Prime underwriting on contract assignment

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