Mortgage Underwriter Sales Manager

KRISTY BLIX

Skills

• Sales Training

• Networking

• Account Management

• Pipeline Development

• Sales

• Prospecting Clients

Work History

Heritage Bank- Willmar, MN Mortgage Underwriter, 10/1/2020 to 8/25/2022

• Review initial loan decision to ensure correct rates and terms of varies lenders, FHLMC, Fannie Mae, MHFA, SDHA, Private Lenders. Review conditions to ensure compliance with company guidelines as well as all state and federal regulations.

• Review appraisal, income, assets and other qualifying documents

• Met hour timeline consistently, turning around applications quickly with firm approval or denial decisions

• Reviewing all loans on line with software of Encompass Director of Business Development, 05/2016 to 10/1/2020 Assessments International Inc – Eden Prairie, MN

• Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit.

• Leveraged industry trends and competitive analysis to improve customer relationship building.

• Consulted with product development teams to enhance products based on customer data. National Sales Manager, 11/2015 to 05/2016

Badiyan Inc. – Bloomington, MN

• Established and maintained budgets, quotas and regional territories for team members to drive consistent growth.

• Exceeded targets by building, directing and motivating high-performing sales team.

• Monitored customer buying trends, market conditions and competitor actions to adjust strategies and achieve sales goals.

• Collaborated with internal teams and suppliers to evaluate costs against expected market price points and set structures to achieve profit targets. Senior Mortgage Underwriter, 2014-2015

Wells Fargo– Mpls, MN

• Worked with processing team members to communicate errors and obtain missing information for current applications.

• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.

• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.

• Met-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.

• Verified integrity of applicants' information to minimize fraud.

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.

• Developed and maintained relationships with local real estate agents.

• Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.

Senior Mortgage Underwriter, 10/1982 to 08/2007

Wells Fargo/Bell Mortgage/GE/Radian/ChemicalBk – Mpls, MN

• Worked with processing team members to communicate errors and obtain missing information for current applications.

• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.

• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.

• Met-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.

• Verified integrity of applicants' information to minimize fraud.

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.

• Developed and maintained relationships with local real estate agents.

• Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.

Education

Bachelor of Arts: Business Administration And Management, 05/1982 University of St. Thomas - Saint Paul, MN

Certifications

Direct Endorsement Government Loans

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