Risk Assessment Mortgage Underwriter
Resume:
KELLI MCCHRISTIAN
******************@*****.*** 909-***-**** Yucaipa, CA 92399
Summary
I am a highly skilled results-driven professional with 27 years of professional expertise who is eager to apply my diverse skillset to drive success in any industry. My proven track record, sound decision making and ability to maintain high accuracy and quality levels, along with my determination to succeed and commitment to excellence, will be an asset to any organization. I thrive in all work conditions whether it be a small or large office environment and am highly motivated working in remote or hybrid situations as well if needed.
Skills
Ability to work effectively in a fast-paced, deadline-driven environment.
Strong analytical skills with the ability to interpret complex financial information.
Leadership and mentorship abilities to support junior team members and contribute to the team’s success.
Detail-oriented with high accuracy and quality levels.
Excellent communication and interpersonal skills, creating positive relationships with clients and colleagues.
Extensive experience in analyzing complex documentation to ensure compliance with regulatory guidelines and mitigate risk.
Proficient in mortgage underwriting software systems such as Core, LIS and DU/LP.
Thorough understanding of mortgage lending regulations and guidelines.
Experience in drawing loan documents and funding.
Quick to learn in new opportunities.
Experience
Senior Mortgage Underwriter Wells Fargo, NA - San Bernardino, CA 10/2011 - 05/2023
Assess mortgage applications, reviewing applicant financial documents, credit history, employment history, and property details to determine eligibility for loans.
Analyze complex financial information, including tax returns, bank statements, and credit reports, to assess borrowers' ability to repay loans and evaluate risk.
Ensure compliance with company policies, industry regulations, and underwriting guidelines, including Fannie Mae, Freddie Mac, FHA, and VA standards.
Communicate effectively with loan officers, processors, and borrowers to obtain additional documentation, clarify information, and address any concerns or questions.
Make underwriting decisions based on thorough analysis, balancing risk factors, loan-to-value ratios, and creditworthiness to approve or deny mortgage applications.
Provide guidance and mentorship to junior underwriters, offering training on underwriting practices, policy updates, and regulatory changes.
Collaborate with internal departments, including legal, compliance, and quality assurance, to resolve complex underwriting issues and ensure loan files meet all requirements.
Conduct periodic reviews and audits of underwriting files to maintain quality standards, identify areas for improvement, and implement corrective actions as needed.
Senior FHA Mortgage Underwriter Bank of America/Countrywide - Redlands, CA 03/2001 - 09/2011
Conduct comprehensive analysis of mortgage applications to determine eligibility for FHA-insured loans, evaluating borrower creditworthiness, income documentation, and property appraisal reports.
Ensure compliance with FHA guidelines, policies, and underwriting standards, maintaining a thorough understanding of HUD regulations and updates.
Review complex financial documents, including tax returns, W-2 forms, pay stubs, and bank statements, to assess borrowers' ability to repay loans and mitigate risk.
Utilize underwriting software systems such as FHA Connection and Total Scorecard to input application data, obtain automated underwriting findings, and generate credit risk assessments.
Make underwriting decisions based on careful analysis of loan-to-value ratios, debt-to-income ratios, and credit profiles, ensuring loans meet FHA eligibility criteria.
Collaborate with internal teams, including compliance, quality assurance, and closing departments, to resolve complex underwriting issues and ensure loan files meet FHA requirements.
Stay informed about industry trends, regulatory changes, and FHA program updates through ongoing training, seminars, and professional development opportunities.
Education and Training
Redlands Unified School District Redlands, CA 06/1993
High School Diploma
Accomplishments
Customer Service Excellence Awards
Quality Service Awards
Certifications
Direct Endorsement Underwriter Certification
References
:
Ronald Young
Position: Operations Manager
Company/Organization: Bank of America Home Loans
Contact Information: 909-***-****
Email: **********@*****.***
Paul Borrell
Position: Lending Manager
Company/Organization: Wells Fargo Home Loans
Contact Information: 909-***-****
Email: *******@*******.***
Sharon Hartman
Position: Senior Mortgage Underwriter/ Mentor Trainer
Company/Organization: Wells Fargo Home Loans
Contact Information: 760-***-****
Email: ***********@***.***
Fadi Abu-Hajar
Position: Senior Mortgage Underwriter / Mentor/Trainer
Company/Organization: Wells Fargo Home Loans
Contact Information: 626-***-****
*********@*****.***
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