Kathi J. Edge

Richland, WA *****

509-***-****

adr2od@r.postjobfree.com

Employment Goal

To obtain a position as an, Underwriter, Analyst, or Forensic Underwriter in a Remote capacity only. Full time permanent position using existing mortgage underwriting skills and all I.T. skills enhanced and obtained through Associates Degree. All DE, CHUMS, SAR, and VA LAPP designations are in good standing but not active at this time. Goal is to segue back into FHA/VA Underwriting in an appropriate amount of time.

Employment/Education History

Underwriter III, Remote

March 2021/March 2022

Company Name available upon interview.

Frontline Residential Mortgage Underwriter 100% Remote. Underwrote loans for approval/pend/denial, follow-up conditioning, closing/funding condition reviews and sign-offs. Included various DU, LP, AUS, (FNMA and FHLMC) and Data Verify report clearance.

Mortgage Loan Processor/Underwriting Analyst

Nordstrom Financial Services September 2009/March 2021 *Remote Position

Process, analyze and pre-underwrite a wide variety of Conventional and FHA/VA mortgage loans with my extensive underwriting expertise, to ensure timely approvals and rapid closings. Review credit, income, title and appraisal documentation. Collect and document loan conditions. Due to my commitment to customer service, fine attention to detail, excellent communication skills, and excellent time management ability, all duties were initially accomplished while attending school full time and obtaining my degree from Kaplan University graduating with a 4.0 GPA. *Functioned in this position on an as-needed basis during the transition of company owner relocation.

Full Time Student

Kaplan University

Associate of Applied Science Network Administration

Summa Cum Laude 4.0 Graduate

Attended school remotely, allowing me to work remotely full time and maintain full time school status. During this time I learned that my analytical and decision-making skills, organizational strengths as well as my soul truly remain with Underwriting! *Inducted into the Phi Theta Kappa International Honor Society during this time.

Loan Specialist II

Countrywide Home Loans

September 2005/April 2006

Duties included but not limited to, processing Conventional, FHA, and VA loans. Managed a large pipeline of loans from disclosing, ordering and reviewing title, income, credit and appraisals. DU though CLUES system, reviewing and signing off conditions, to drawing closing documents and dispersing them to the appointed escrow company for closing. In-house software system, EDGE, was used for all steps of processing as well as drawing closing documents.

Membership Coordinator

W.A.M.B. - Washington Association of Mortgage Brokers

February 2002/September 2005 *Remote Position

Recruited new members to the association and brought old members back into the association. This included creating and maintaining contact information, tracking status of calls and responses, and any additional statistical information for each broker contacted from our database. These calls also served to gather information, opinions and input that are vital to the associations' directors. My efforts affected an over 20% increase in membership. Provided the Board of Directors a comprehensive monthly report of all activities, information, and new members.

General Manager

BAYPORT MORTGAGE, LLC

December 1998/February 2000

This company was an ABA between CTX Mortgage and John L. Scott Realty. I established and opened this company from inception to operating. I obtained all State, Federal, FHA and VA Licenses with the benefit of my direct endorsement standings with each lender. Set up all computer systems for administrative functions, loan processing, originating, and all communication with the CTX home office in Dallas, Texas. This included a WAN station operated by Windows NT. Established relationships with Real Estate Agents and Brokers, originated and processed loans, completed all administrative functions necessary to the daily operation of the company.

Underwriting Manager

WESTERN SUNRISE MORTGAGE

February 1996/May 1996

Managed underwriting department including in-house and contract underwriters as well as assistants. Underwrote VA, FHA and Conventional mortgage loans. Handled all challenging files in second review capacity while maintaining constant contact with brokers in a resource and training capacity. Approved Staff Appraisal Reviewer with VA LAPP designation authority. Maintained excellent rapport with local FHA and VA staff.

Contract Underwriter

MGIC

August 1995/February 1996

Contract underwrote incoming conventional mortgage loan files from all clients of MGIC according to MGIC regulations and standards. Established and maintained excellent customer service communications with all clients.

Underwriting Manager

CITYBANK

August 1993/August 1995

Managed underwriting department. Underwrote all FHA and VA mortgage loans submitted through wholesale as well as in-house originations. Packaged loan pools and negotiated sale of each pool to FNMA and FHLMC to the secondary market. Obtained status as Approved Staff Appraisal Reviewer with VA LAPP designation authority, to include Washington, Oregon and Idaho. Obtained FHA CHUMS Direct Endorsement Underwriter designation. Supervised and participated in the insuring and shipping of all loans to FHA and VA. Acted as primary guideline resource for loan officers and processing staff.

Underwriter

EMPIRE OF AMERICA

June 1992/August 1993

Underwrote Conventional mortgage loans. Established excellent customer service relations with brokers. In the prolonged absence of an Underwriting Manager, acted as such, including training new underwriters and junior underwriters. Assisted the Branch Manager in the absence of an Operations Manager as well. Completed all Scott Potter Tax Return Analysis seminars and Mortgage Insurance sponsored appraisal review classes.

Brokered Loan Administrator

Fireman’s Fund Mortgage Corporation

January 1990/June 1992

Established and directed all functions necessary to facilitate the timely and systematic flow of all brokered and in-house loan submissions from receipt of loan through closing. Completed all pre-underwriting reviews, evaluated all closing conditions and coordinated the procurement of any documentation from all brokers. Directed training seminars for loan officers and processors on site in their offices. Hired and managed an assistant brokered loan coordinator.

Agricultural Loan Processor

Farm Credit Services

March 1988/January 1990

Completed computer registration of all new loans. Manually prepared closing documents for all Commercial Agricultural Operating Loans. Completed funding and disbursement for all Real Estate secured loans as well as chattel loans with UCC filings. Disbursed approved monthly draws from operating budgets. Prepared monthly loan committee action and servicing reports. Processed partial releases of land parcels, rate conversions and re-amortizations. Acted as backup for loan closings.

Loan Processor

First Federal Savings

May 1986/February 1988

Manually processed, closed, funded and shipped FHA, VA, and Conventional mortgage loans. Facilitated primary contact with all buyers and agents from origination through closing. Initiated and maintained sole responsibility for all loans originated under the First Time Homebuyer program. Conducted the closings of all loans and conferred with underwriters on all loan conditions. Maintained Notary Public.

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