JENNIFER L. KOPECK

*** ****** ***** **. ******, IL 60543 • (630) 488 - 7144

ad1qw7@r.postjobfree.com

SUMMARY

• Analytical Sr. Lead Underwriter with expertise in loan management. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.

• I am highly known for my strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.

• Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close.

PROFESSIONAL SUMMARY

LeaderOne Financial LLC July 2019 – Present

Team Lead FHA / DE / VA SAR - Lapp / USDA / Jumbo

• Team Leader who works with little to no direction (Remote)

• Analyzes risk by running manual calculations and/or preparing experience-credit quotes; works with Sales team and other partners to ensure the final proposal will meet the needs of the borrower

• Mentor the Team of Underwriter’s providing responses to procedural, product, guideline, and system questions and updates

• Handle all file and scenario escalations from Sales Managers and Sr. Loan Officers

• Consistently top performer

• Following Investor Guidelines; receive and review loan applications and documentation to ensure completeness and accuracy

• Analyze appraisals, credit reports and documentation, ensuring proper qualifications according to company guidelines.

• FHA, SAR VA, Conforming and Non-Conforming Expertise The Federal Savings Bank Oct 2018 – July 2019

FHA / DE / VA SAR / Lapp Underwriter

• Consistently top performer- who works with little to no direction (Remote)

• Following Investor Guidelines; receive and review loan applications and documentation to ensure completeness and accuracy

• Analyze appraisals, credit reports and documentation, ensuring proper qualifications according to company guidelines.

• FHA, SAR VA, Conforming and Non-Conforming Expertise LeaderOne Financial LLC (SAME AS CURRENT EMPLOYER) May 2015 – August 2018 FHA / DE / VA SAR / Lapp Underwriter

• Consistently top performer - who works with little to no direction (Remote)

• Following Investor Guidelines; receive and review loan applications and documentation to ensure completeness and accuracy

• Analyze appraisals, credit reports and documentation, ensuring proper qualifications according to company guidelines.

• FHA, SAR VA, Conforming and Non-Conforming Expertise Fay Servicing July 2014 – May 2015

Underwriter (re-located)

• Following Investor Guidelines; receive and review loan applications and documentation to ensure completeness and accuracy.

• Analyze appraisals, credit reports and documentation, ensuring proper qualifications according to company guidelines.

• Conforming and Non-Conforming Expertise.

JP Morgan Chase October 2007 – July 2014

Underwriter (December 2011 – July 2014)

• Reviewed borrower’s profile, credit history, collateral and all income statements.

• Verified and validated supporting income, asset and liability documentation to ensure the correct calculations are utilized for qualifying purposes on both Conforming and Non-Conforming files.

• Consistently a Top Underwriting Performer in Volume and Quality. Team Lead (October 2007 – November 2011)

• Managed a team pipeline of 200-300 loans per month.

• Designated Reviewer for pre-funding internal audits to ensure compliance with company policies, guidelines, consistency of information, and proper process procedures were followed.

• Reviewed loan application package for accuracy and reconciled application against system input.

• Verified and validated supporting income, asset and liability documentation to ensure the correct calculations were utilized. People’s Choice Home Loans June 2006 – April 2007

Sr. Account Manager (Company Closed)

• Reviewed borrower’s profile, credit history, collateral and all income statements.

• Trained new Account Managers and Setup. Assisted other departments with various job functions within a team environment.

• Increased top Account Executive’s production numbers by 25% each month. Encore Credit Corporation July 2002 – June 2006

Regional Operations Manager (Company Closed)

• Supervised all aspects of wholesale team, Underwriting, Account Management, and Setup.

• Completed annual reviews and monthly progress reports for growth and development for 20 to 25 FTE’S.

• Performed second signature file reviews of counter-offered and denied files with lending authority at $2.5 Million.

• Completed monthly file audits ensuring compliance, regulatory and all internal policies and procedures were followed.

• Increased department production by 25% monthly.

• Developed the Account / Processing Manager Training Program and Manual for Companywide use. ADDITIONAL EXPERIENCE

Fremont Investment and Loan (Senior Account Manager) 2001 – 2002 Countrywide Home Loans (Senior Loan Specialist) 2000 – 2001 Liberty Lending (Regional Operations Manager) 1997 – 2000

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