CINDY KELLNER

DE Certified/Chums

*** ***** ** *** **, Long Beach NY 11561

Phone: 516-***-**** email: ad3wa4@r.postjobfree.com

EMPLOYMENT

Columbia Bank – Fairlawn, NJ May 2022 – Jan 2023

East Coast Capital - Melville, NY Jul 2017 – Apr 2022

Jet Direct Mortgage - Bay Shore, NY Nov 2015 – Jun 2017

Planet Home Lending - Melville, NY Oct 2013 – Oct 2015

Freedom Mortgage - Marlton, NJ Jan 2011 – Sep 2013

Senior Underwriter

.Underwrote various types of mortgage loans: FHA (203B/203K), conventional, retail, wholesale, manual, condominiums, multi-family residences, investment, second home, FHA streamlines/VA IRR.

.Reviewed credit history, income, assets, and other financial information.

.Confirmed DTI and LTV were within acceptable risk levels.

.Automated system expertise required for conventional and FHA loans. Used the Freddie Mac LP and Fannie Mae DU systems.

.Resolved quality control & fraud review issues as occurred.

.Reviewed title reports and requested additional documentation as required.

.Requested alternative documentation as original conditions could not be obtained.

.Confirmed appraisal values were in line with standards and all adjustments were satisfactory.

.Logged in SSR’s and Appraisals.

.Reviewed documents for mortgage insurance companies prior to submitting.

.Assisted colleagues with credit, income, assets, collateral, title and other challenges.

.Current awareness of changing underwriting guidelines.

.Made decisions on loan approval, denial or counteroffer. Reviewed loan conditions prior to closing.

.Cleared and signed off on loans. Confirmed most recent AUS agreed with URLA, 1008 or FHA loan transmittal.

EDUCATION

Bachelor of Science in Business Administration - University of Bridgeport

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