Kelly J. Collins

Lexington, KY 859-***-**** ad016n@r.postjobfree.com Linkedin.com/in/kelly-collins-L249 Sr. Mortgage Underwriter

SUMMARY

Sr. Underwriter with 15+ years of experience in the Real Estate Financial Industry. Specializes in underwriting FHA, Conventional, USDA/RHS, and Housing Agency loans for KY, IN, TN, & TX. Proficient in developing creative solutions and implementing objective loan decisions. COMPETENCIES

Risk Assessment

Keen Attention to Detail

Strong Communication ability, both verbal & written

Proficient with Encompass, GUS, DU & LP systems

Highly Organized

Excellent Mathematical Skills

EXPERIENCE

SENIOR UNDERWRITER

4/2023 – 10/3/2023

GRAND RIVER MORTGAGE COMPANY, LLC

Underwrite Conventional, FHA, USDA/RHS loans

DE MORTGAGE UNDERWRITER

11/2018 – 12/2022

STOCKTON MORTGAGE

Underwrote Conventional, FHA, USDA/RHS, & Various State Housing Agency loans.

Maintained a 48 Hour turn time on 55-60 New loans each month.

Maintained a 24 Hour turn time on 65-70 Resubmissions each month.

Achieved above turn times with 1% or less in QC errors.

Proficient with Encompass, GUS, DU & LP systems

Delegated Underwriter for KY Housing Corporation. DE MORTGAGE UNDERWRITER

11/2011 – 10/2018

REPUBLIC STATE MORTGAGE

Underwrote Conventional, FHA USDA/RHS, & Various State Housing Agency loans.

Maintained a 48 Hour turn time on 35-40 New loan each month.

Maintained a 24 Hour turn time on 40-50 Resubmission each month.

Achieved above turn time with 1% or less in QC errors.

Proficient with Encompass, GUS, DU, & LP systems

Delegated Underwriter for KY Housing Corporation. MORTGAGE LOAN ORIGINATOR

02/2011 – 11/2011

STOCKTON MORTGAGE

Originated Conventional, FHA, VA, USDA/RHS, & KY Housing loans. MORTGAGE LOAN ORIGINATOR

10/2008 – 02/2011

FRANKLIN AMERICAN MORTGAGE

Originated Conventional, FHA, VA, USDA/RHS, & KY Housing Loans.

Closed 8-10 Purchase loans each month.

Closed 10-15 Refinance loans each month.

Maintained a pipeline of $3,000,000 Monthly.

Proficient with GUS, DU, LP, Caylx Point systems HOME LOAN CONSULTANT

06/2006 – 10/2008

COUNTRYWIDE HOME LOANS

Originated Conventional, FHA, VA, USDA/RHS & KY Housing loans.

Developed extensive business partner relationships with Realtors & Builders

Provided training to new partners for FHA, VA, USDA/RHS, & KHC loan products, and all Industry changes.

Closed 7-9 Purchase loans each month.

Closed 9-10 Refinance & HELOC loans each month.

Maintained a pipeline of $1,500,000, with average loan amount of $131,000. SR DE UNDERWRITER II

10/2003 – 06/2006

COUNTRYWIDE HOME LOANS

Conducted comprehensive evaluations of a variety of complex, high-risk mortgage loan applications to determine underwriting decisions and final course of action, on Conventional, FHA, VA, USDA/RHS, & KY Housing loans.

Underwrote an average of 210 Purchase & Resubmission loan each month.

Maintained a 1% or less QC error rate.

Coached 20+ Loan Officers & Loan Processors on technical underwriting issues, problems, & questions. SENIOR BANKIKNG OFFICER

10/2001 – 10/2003

REPUBLIC BANK & TRUST CO.

Originated Conventional, FHA, VA, USDA/RHS, KHC, and Bank Portfolio loans.

Developed full Banking Relationships with all Loan Customers.

Closed an Average of $2,000,000 each month in Purchase & Refinance loans.

Trained new loan officers in FHA, VA, USDA/RHS, & KY Housing lending guidelines.

Increased personal portfolio production by 75% in 2003. EDUCATION

University of KY, Lexington, KY

Microbiology Major / Chemistry Minor

Community Volunteer History

Mortgage Bankers Association – Educational Committee Member

Lexington Board of Realtors – Educational Committee Member

Operation Read – English as a Second Language Instructor, & Board Member

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