Underwriter
Resume:
TAE HO (THEO) KIM
EXPERIENCES:
**/** – 7/2018 PARAMOUNT EQUITY/LOANPAL – IRVINE, CA
REMOTE UNDERWRITER
Remote Front-end production underwriting for the conventional conforming with AUS including DU and LP.
6/15 – 10/16 GREENLIGHT LOANS/NATIONSTAR/MR COOPER – IRVINE, CA
UNDERWRITING TEAM LEAD
Serving underwriting team w/ second review/signatures, assist UW production, & a catalyst between processing/sales.
12/13 – 6/15 MEGA CAPITAL FUNDING – CALABASAS, CA
UNDERWRITING MANAGER
Wholesale production underwriting management for the conventional conforming and non-conforming loans.
2/13 – 11/13 LENDERFI – CALABASAS, CA
SENIOR UNDERWRITER
Front-end production underwriting for the conventional conforming with AUS including DU and LP.
8/09 – 2/13 BANK OF AMERICA – WESTLAKE VILLAGE, CA
AUDITOR II/QC DEPT & WSG (REPS AND WARRANT) DEPT
Underwrite / audit closed files for nationwide all loan channels. Investor Audit Impasse negotiation against GSE.
4/08 – 8/09 LOS ANGELES COUNTY - LANCASTER, CA
LIBRARIAN
3/06 – 3/08 SHEARSON MORTGAGE - WOODLAND HILLS, CA
GOLD TEAM LEAD / SENIOR UNDERWRITER/ WHOLESALE DEPT
Management of 5 operation team (UW & Processing) members & 5 loan officers, pipeline management, underwriting, training, second signatures, exception approvals, trouble shooting, and a member of final loan committee.
7/05 – 3/06 METROCITIES MORTGAGE, – WHOLESALE, SHERMAN OAKS, CA
UNDERWRITING MANAGER / WHOLESALE DEPT
Provide daily UW solutions with crisis management, second signatures, resolution of conflicts between sales and operations, policies and procedures for UW, trainings for both UW and sales, and signing authority up to $3 million.
4/04 – 6/05 COUNTRYWIDE HOME LOANS, WEST HILLS, CA
SENIOR UNDERWRITER/ CLD PRIOR DEPT
Underwrite manually and/or with AUS (CLOUT, DU, & LP) high risk A paper first & second loans with Countrywide reps and warrants in Prior Department. Signing authority up to $1 million.
08/03-04/04 HSBC, ENCINO, CA
SENIOR UNDERWRITER/ RETAIL DEPT
Underwrite first (conventional conforming & non-conforming) with AUS (including DU, LP, & AAP), second, & CRA mortgages with signature authorization up to $600K.
03/98-07/03 COUNTRYWIDE HOME LOANS, WEST HILLS, CA
SENIOR UNDERWRITER/ CLD HELOC DEPT
Analyze and evaluate income, credit, asset, and collateral for second fixed and home equity line of credit. Underwrite and Review condition to meet company and investor guidelines. Sign off conditions to aid in prompt funding. Complete Section 32 and High Cost worksheets.
02/97-02/98 GREAT WESTERN BANK, CHATSWORTH, CA
DISTRICT LOAN OFFICES COORDINATOR/ CORP OFFICE
Nationwide administration, troubleshoot, computer technical support, dispatch technical services & hardware, aid in processing & underwriting, daily record inputs, and compliance audit.
04/94-01/97 FIRST FEDERAL BANK, SANTA MONICA, CA
LOAN OFFICE SUPERVISOR / SPECIAL SVC REP.
Administration - underwrite, quality control processing, interact with corporate office, and consult to loan officers. Loan production - processing & underwriting, and interactively communicate with loan officers.
Loan Service - tax impound set up & analysis, and general ledger audit.
01/91-03/94 BESTWAY FINANCE CORPORATION, LOS ANGELES, CA
BROKER OFFICE MANAGER
Supervision of processors & loan officers, pre-underwrite, train processors & loan officers, trouble shoot, applicant consultation customer service, liaison to mtg. wholesalers, calculated rate locks, commission & fees.
09/89-12/90 STALLION MORTGAGE INTERNATIONAL, LOS ANGELES, CA
MORTGAGE BANKER LOAN OFFICER & PROCESSOR
Marketing, real estate agent contacts, customer service relations, loan processing, and condition follow ups.
EDUCATION:
SAN JOSE UNIVERSITY -SCHOOL OF INFORMATION SCI ENCE - M.A. DEGREE
UCLA - Double Majored in Economics and Japanese B. A. DEGREE
LANGUAGES: Fluent in English, Korean, and Japanese & proficient in Networks, Softwares, and Databases.
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