Mortgage Underwriter Real Estate
Resume:
Alabaster, AL *****
*********@*****.***
Lisa Kelley
Technical Skills:
DU, LP, Mortgage LOS, Word, Excel, Outlook
Work Experience:
November 2021 – February 2024
US Bank
Senior Mortgage Underwriter
Analyze income, creditworthiness and assets of borrower(s)
Underwrite loans to portfolio, jumbo and agency standards including AUS systems
Complete and analyze cash flow of businesses for self-employed borrowers including but not limited to Sch C, 1065, 1120-S, 1120, Profit & Loss statements, Balance Sheet, Pass Thru entities and Rental properties
Heavy focus on manual underwriting of loans to comply with bank and federal compliance.
Maintain and manage high loan volume SLA's while ensuring compliance with government and bank guidelines
Analyze documentation provided for final loan approval to ensure meets company and government standards and guidelines
Review title commitments for legal ownership, potential defects, easements, right of ways; proactively research public records to verify title issues and resolution
Communicate with loan officers, loan processors, management and other lines of business, as applicable, to provide additional explanations and support for information/documentation to resolve issues in order to obtain a full loan approval.
September 2011 to November 2021
BBVA USA (acquired by PNC Bank)
Senior Mortgage Underwriter (January 2014 to November 2021)
Specialized in clients with Reg O and Reg H status, jumbo and high loan amount ($1,000,000+), medical professionals, manual underwriting of loans, Employee Loans
Analyze income, credit strength and assets of borrower(s)
Borrower qualification based on assets
Complete and analyze cash flow of businesses for self-employed borrowers including but not limited to Sch C, 1065, 1120-S, 1120, Pass Thru entities also Rental properties
Heavy focus on manual underwriting with complex/multiple income streams
Home Equity/2nd Mortgage when needed
Work in Commercial department during the Covid PPP loan program
Maintain and manage high loan volume SLA's while ensuring compliance with government and bank guidelines
Mortgage Loan Processor III (September 2011 to January 2014)
Review loan applications and customer documentation for completeness and accuracy and update loan system as required
Verify loan structure meets loan product parameters as set forth by Risk and Underwriting standards
Review Underwriting conditions and ensure that all necessary documentation is collected, accurate and updated in loan system to receive Final Loan Approval from Underwriting.
Address sales and customer questions throughout the loan process
Prepare loan files for final audit review and closing
Review and understand all documentation required to complete loan process including but not limited to income/asset/credit documents of all types, appraisals, title company documents, AUS results
Accurately calculate wage earner and self-employed income
Work with internal and external contacts to resolve problems/issues to find the best possible resolution
Chosen by management for ThinkTank project with Underwriting and Operations management; determine best ways to improve processes between Processing and Underwriting; improve submission to Underwriting, reduce turn times and identify top issues from both sides to achieve identified goals
Education:
Herzing College Homewood, AL
Graduated December 2003
Associates in Computer Information Systems
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