Kathleen Hansen

Elgin, IL 847-***-**** ad1ru3@r.postjobfree.com

Analyst

Seasoned analytical professional with a proven track record performing credit, risk and compliance analysis within the Financial markets. Skilled in bank and government regulatory policies, procedures, and guidelines.

Provided counter-offer proposals and dispute resolutions as necessary. Ensured loan submissions meet internal and external eligibility requirements for salability.

Core Competencies

Research Credit and Forensic Analysis Problem Solving Communication Customer Success Management Collaboration Accounting Functions Sales & Operations Compliance Risk Management

Professional Experience

Self Employed

Personal Assistance and Hospitality Services 2023 - Present

U.S. Bank - Remote 2020-2022

Underwriter II

Specializing in portfolio, jumbo, non-conforming Credit Analysis. Maintained and effectively communicated with internal staff and business partners to maintain the highest level of customer service and company Service Level Agreements. Evaluated residential loan applications in accordance with industry and line of business standards and policies.

Key Accomplishments:

Analyzed income, credit and collateral to determine customers worthiness, capacity to repay and to minimize risk to the bank.

Reviewed loans within current agency and internal guidelines to assure salability to our investors. Facilitated renegotiations when necessary.

Evaluated residential loan applications in accordance with industry and line of business standards.

JP Morgan Chase – Downers Grove, IL 2017-2020

Underwriter

Accountable for reviewing income, tax returns, financial statements, credit reports, appraisal and title in order to determine the continuity and commitment of our client’s loan and lending practices.

Key Accomplishments:

Maintained a timely flow of Underwriting and clearing loan conditions.

Communicated Underwriting results and current guidelines with our originating partners.

Reviewed loans within current agency and internal guidelines to assure salability to our investors. Facilitated renegotiations when necessary.

Communicated effectively with internal staff to maintain the highest level of customer service and company turn times.

PNC Bank – Lombard IL 2016-2017

Quality Assurance Analyst – Temporary Assignment

Audited loan package submissions for quality, completeness and proper execution.

Verified employment history and income calculations were conclusive for loan approval.

Reviewed all sources of funds to close and reserves per Fannie and Freddie Guidelines.

Additional Experience

Opus Capital Markets Consulting, LLC

Forensic Analyst

Keller Williams Team Realty

Real Estate Broker

Bank of America

Sales Assistant to Regional VP & Sales Team

Customer Success Manager

Compliance Officer

Quality Assurance / Risk Management

LaSalle Bank Home Lending

Loan Counselor/ Customer Success Support

First NLC Financial Services

Credit Analyst

Argent Mortgage

Credit Analyst

Chicago Board of Trade -

Smith Barney Associate

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