A highly accomplished Mortgage Underwriter with an extensive 26-year track record, offering exceptional expertise in underwriting diverse loan types, including conventional, FHA, 203k, condos, and intricate financial products. Renowned for consistently surpassing deadlines, skillfully reconciling discrepancies, and catalyzing significant revenue enhancements for organizations. Possesses outstanding analytical acumen and a talent for innovative problem-solving. A dedicated advocate of teamwork and unwavering commitment to delivering excellent customer service, I am eagerly seeking a new opportunity to apply my extensive experience and profound knowledge in the mortgage underwriting arena, driving excellence and contributing to the success of a progressive organization. CINDY KELLNER

EDUCATION

Bachelor's Degree in Business

The University of Bridgeport

PROFESSIONAL ATTRIBUTES

• Mortgage Underwriting Proficiency (DE Certified): Adept in underwriting a diverse range of mortgage loans, including conventional, FHA, 203k’s, portfolio/manual, mixed use and condominium loans, while meticulously assessing income, credit, assets, title and collateral to ensure compliance with industry standards.

• Underwriter with more than 10+ years’ experience

• Automated System Expertise: Proficiently utilize the Freddie Mac LP and Fannie Mae DU automated system to streamline the underwriting process for conventional and FHA loans, enhancing efficiency and accuracy.

• Team Collaboration and Mentorship: Proven ability to collaborate closely with loan processors, loan officers, and other teams, fostering a culture of teamwork while mentoring and training new employees to ensure seamless integration into the underwriting department.

• Risk Assessment and Compliance: Expertly assess risk for various loan types, such as FHA, conventional, and FNMA/Freddie Mac loans, encompassing complex properties like condominiums, multi-family units, investment properties, and second homes, while consistently ensuring regulatory compliance.

• Quality Control and Issue Resolution: Demonstrated strong quality control capabilities, actively coordinating with colleagues to prevent delays in loan closures, effectively resolving issues, and contributing to fraud detection and prevention efforts to enhance overall process security and integrity. 522 Shore Road, Apt. 2A, Long Beach, NY 11561 516-***-**** ad2vch@r.postjobfree.com PROFILE SUMMARY

PROFESSIONAL

SKILLS

• Risk Assessment

• Financial Analysis

• Documentation Review

• Decision Making

• Compliance Knowledge

• Strong Communication

• Attention to Detail

• Time Management

• Customer Service

• Problem Solving

PROFESSIONAL EXPERIENCE

Sr. Underwriter

Vivid Mortgages Feb 2023 – May 2023

• Pre-approved loans calculating income, reviewing assets and credit. Columbia Bank – Fairlawn, NJ May 2022 – Jan 2023

• Underwrote conventional, FHA, CRA Loans, Portfolio/Manual loans proficiently, utilizing the Freddie Mac LP automated system to assess borrower eligibility and loan viability.

• Collaborated closely with loan processors to comprehensively evaluate mortgage applications, encompassing factors such as employment histories, creditworthiness, property attributes, and other pertinent details.

• Demonstrated exceptional analytical insight and sound judgment in assessing risk and lending decisions.

• Contributed actively to a collaborative team environment, fostering efficient communication and knowledge sharing among team members.

• Played a pivotal role in ensuring loan applications met regulatory and institutional standards, promoting the bank's reputation for responsible lending practices.

• Maintained a keen awareness of industry trends, guidelines, and compliance requirements to stay updated on the evolving mortgage landscape.

• Effectively communicated underwriting decisions to loan officers and clearly explained any necessary conditions or stipulations.

• Acted as a subject matter expert in underwriting procedures, providing guidance and mentorship to junior underwriters when needed.

• Assisted in streamlining underwriting processes and workflows, contributing to improved efficiency and reduced turnaround times for loan approvals.

• Upheld the highest standards of confidentiality and ethics in handling sensitive borrower information and financial data.

• Underwrote, reviewed conditions and cleared loans for closing.

• Remote Job.

TECHNICAL

SKILLS

• Encompass Software

• Emagic Automated Systems

• Document Analysis

REFERENCES

Available upon request

Sr. Underwriter

East Coast Capital, Melville, NY Jul 2017 – Feb 2022

• Underwrote a diverse range of mortgage loans, including FHA, conventional, and FNMA/Freddie Mac loans, spanning various property types such as condominiums, multi-family residences, investment properties, and second homes.

• Thoroughly reviewed appraisals, titles, and mortgage insurance documentation to ensure strict adherence to lending guidelines and regulatory requirements, maintaining the bank's commitment to compliance and risk management.

• Acted as a mentor and trainer for new-hire employees, providing comprehensive guidance and support to help them become proficient in underwriting processes and procedures.

• Collaborated effectively with loan officers, loan processors, and closing teams throughout the loan lifecycle, offering expertise in file restructuring and guidance to resolve complex issues before, during, and after the loan approval process.

• Demonstrated dedication and a positive attitude by readily assisting colleagues with scenarios, income calculations, and other challenges outside of regular work hours, contributing to a supportive and efficient team environment.

• Underwrote, reviewed conditions and cleared loans for closing.

• Worked On-site and Remotely.

Contractor for Various Lenders Jun 2016 – Jun 2017

• Successfully operated as a contractor for various lenders, demonstrating adaptability and the ability to meet diverse underwriting requirements. Jet Direct Mortgage, Bay Shore, NY Nov 2015 – May 2016

• Established a strong foundation in mortgage underwriting during tenure at Jet Direct Mortgage, specializing in FHA, 203k, conventional, and FNMA/Freddie Mac loans

• Underwrote, reviewed conditions and cleared loans for closing Planet Home Lending, Melville, NY Feb 2014 – Oct 2015

• Contributed to the success of Planet Home Lending by consistently underwriting loans in compliance with industry standards and regulatory guidelines.

• Underwrote conventional, FHA, FHA streamlines, VA IRRL’s.

• Underwrote and worked directly with the wholesales department.

• Underwrote, reviewed conditions and cleared loans for closing Freedom Mortgage, Remote Jan 2011 – Sep 2013

• Worked remotely for Freedom Mortgage, showcasing excellent self-management skills and the ability to maintain productivity while away from the office.

• Collaborated effectively with colleagues and clients across different roles and settings, ensuring smooth and efficient underwriting processes.

• Developed a comprehensive understanding of lender-specific guidelines and procedures, adapting underwriting approaches accordingly.

• Proactively identified and recommended additional documentation to support the underwriting process.

• Played a vital role in issue resolution and preventing delays in loan closures by maintaining strong communication with loan officers and account executives.

• Underwrote, reviewed conditions and cleared loans for closing

• Actively participated in fraud detection and prevention efforts, contributing to the overall security and integrity of the underwriting process.

• Consistently demonstrated a commitment to professional growth and excellence in underwriting throughout various positions and contract work.

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