KAREN K. GLOVER

**** ****** **** #****

Austin, TX 78724

469-***-****

EDUCATION

Ben C Rain High School -Mobile, AL 1969

WORK HISTORY

*/** ** */** Approved Mortgage -Greenwood, IN QUALITY CONTROL MANAGER Remote Position -Hired as permanent employee when Mortgage lnsource Services was sold. Responsible for all Initial QC Review for all files whether they were to be underwritten in-house or sent outside. Responsible for Pre-Fund audits of all in-house loans, especially self-employed borrowers and any with FIC0 scores 680 or less. Responsible for Post Close audits of 100/o of all funded loans each month to encompass all loan types. Compose monthly QC Reports in regards to the audits and submit to upper management. Laid off due to low volume. 3/20 to 6/22 Mortgage lnsource services -Lexington, KY SENIOR UNDERWRITER Remote Position -Contract Company. Contracted out to Approved Mortgage from 4/1/20 to 1/31/22. Responsible for the front-line underwriting of retail conforming and non-conforming loan files to meet client and FHMA/FHLMC guidelines. Files include investment, self-employed with multiple businesses and rental properties. Signing authority through file audit of

$750,000. Responsible for completion of no less than 5 new files per day as well as all suspense files and daily condition review. Laid off. Business sold. 12/08 to 9/13 Wells Fargo Home Mortgage -Bloomington, MN -LEVEL 4C UNDERWRITER Responsible for the front-line underwriting of retail conforming and non-conforming loan files to meet client and FHMA/FHLMC guidelines. Signing authority through audit of $750,000. Responsible for completion of no less than 5 new files per day as well as all suspense files and daily condition reviews. Assisted Processors in obtaining their lc authority through file audit and data base entry. Laid off due to low volume.

3/08 to 8/08 Wells Fargo Home Mortgage -West Des Moines, lA -LEVEL 4C UNDERWRITER Responsible for the front-line underwriting of retail conforming and non-conforming loan files to meet client and FHMA/FHLMC guidelines. Signing authority through file audit of $750,000. Responsible for completion of no less than 5 new files per day as well as all suspense files and daily condition reviews. Assignment ended due to low volume. 7/07 to 2/08 Wells Fargo Home Mortgage -Melville, NY - LEVEL 4C UNDERWRITER Responsible for the front-line underwriting of retail conforming and non-conforming loan files to meet client and FHMA/FHLMC guidelines. Signing authority through file audit of $750,000. Responsible for completion of no less than 5 new files per day as well as all suspense files and daily condition reviews. Assignment ended due to low volume. Office Closed. 7 06to6 Ov Aurora Loan Services - Englewood CO -SENIOR LOAN UNDERWRITER Responsible for the front-line underwriting of retail conforming and non-conforming loan files to meet client and FHMA/FHLMC guidelines. Signing authority through file audit of $1,000,000. Responsible for the completion of no less than 10 new files per day as well as all suspense files and daily condition review. These loans were paper quality of A+ through D-. Laid off. 3/05 to 6/06 Wells Fargo Home Mortgage -West Des Moines, lA -LEVEL 4C UNDERWRITER Considered a One-N-Done for one very high producing Loan Officer. Responsible for the Processing, Underwriting and Closing of all loan files for this LO, both conforming and non- conforming retail loans. This LO closed on average of $10 million per month, with loans ranging from $500000 up to a lst mortgage of $3,500,000 and 2nd of $1,500,000, which all required special handling and processing, and many exception requests. Assignment ended due to low volume.

7/90 to 3/05 Contract Mortgage Loan Underwriter -

Worked for various organizations and clients to accomplish such tasks as front-line underwriting for all grade loans from A+ to D-, full re-undervriting of closed loans, due diligence, legal review of loan documents including paper trail of assignments and endorsements according to client specifications and agency guidelines, i.e., FNMA, FHLMC, FHA and VA. Have accomplished these tasks for both Contract companies and Mortgage Insurance companies such as GE, GIC, TRIAD and AMERIN. I also have experience in processing and closing loans for these companies on a contract basis. Approved Mortgage

107 North State Road 135 . Suite 301. Greenwood, IN 46142 Phone 317-***-**** . Fax 317-***-**** . NMLS 122171 January 20, 2023

RE: Karen Glover Employment Recommendation

To Whom lt May Concern:

ln my twelve years of working in the mortgage industry,I have very seldomly found a person as dedicated to doing the right thing than Karen Glover. She came to Approved Mortgage at a time when we most needed her services to help us have the best two and a half years in our 30-year illustrious existence. Karen is very meticulous about doing what is best for the client, but also protecting the interests of the Company she represents. I know nobody more "Team First" than Karen.

Karen has demonstrated a willingness to go the extra mile. Her determination to find the answer, whether good or bad, makes her the perfect trustworthy candidate for any future position she may hold. She has many years of Fannie/Freddie underwriting experience well beyond mine, but her biggest achievement during her tenure with me was diversifying her Government lending knowledge. I believe an employee/team member who demonstrates these abilities to learn is easy to assimilate into any organization, benefiting all. I would more than recommend Karen to any organization willing to hire her for her willingness to go the extra mile as well as her desire to always get the job done with the team in mind. Sincerely,

• .. ``

Joel S. Asbury

SVP, Operations Manager

NMLS ID: 383616

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