Kimberly Salsman

Conforming Underwriter V - Wells Fargo

Vancouver, WA 98664

adt9wf@r.postjobfree.com

360-***-****

Authorized to work in the US for any employer

Work Experience

Conforming Underwriter V

Wells Fargo - Portland, OR

November 2012 to Present

• Analyzes most complex financial and credit information for high dollar customer loans according to business unit standards

• Underwrites high dollar loans with higher aggregate credit exposure and may manage a more complex portfolio

• Underwriting exception work streams that cannot be decisioned through the decision tool

• Compiles, analyzes, and documents loan data and credit risk, borrower and property information

• Determines decisions/exceptions beyond the decisioning authority levels of less experienced underwriters

• Negotiate loan provisions

• Mentors or review analysis of less experienced underwriters and provide credit policy direction to underwriting managers in the field

• Through communication with all parties to ensure prompt qualify service Senior Loan Processor

Guild Mortgage - Vancouver, WA

April 2011 to November 2012

• Analyzes most complex financial and credit information for high dollar customer loans according to business unit standards

• Process and close for the Top Producers/Branch Manager with accuracy and strict investor guidelines

• Compiles, analyzes, and documents loan data and credit risk, borrower and property information

• Ensure all loans meet FHLMC/FNMA/FHA/VA/USDA guidelines

• Negotiate loan provisions

• Mentors or review analysis of less experienced processor and provide credit policy direction to underwriting managers in the field

• Coordinate closings with borrowers and closing agents to ensure all deadlines are met Mortgage Specialist III/Operations Manager

First Horizon Home Loans/MetLife Home Loans

April 2005 to March 2011

• Analyzes most complex financial and credit information for high dollar customer loans according to business unit standards

• Process high dollar loans with higher aggregate credit exposure and manage a more complex portfolio

• Compiles, analyzes, and documents loan data and credit risk, borrower and property information

• Determines decisions/exceptions beyond the decisioning authority levels of less experienced processors

• Negotiate loan provisions

• Mentors or review analysis of less experienced processors and provide credit policy direction to underwriting managers in the field

• Ensure all loans meet FHLMC/FNMA/FHA/VA/USDA guidelines

• Coordinate closings with borrowers and closing agents to ensure all deadlines are met Skills

A/P (Less than 1 year), A/R (Less than 1 year), Business Development (Less than 1 year), Customer Service (Less than 1 year), RECEPTIONIST (Less than 1 year) Additional Information

Skilled professional with over 20 years of experience in the Financial/Mortgage Industry with Staff Management, Underwriting, DE CHUMS ID, NMLS, Loan Processing, Conforming and Non-Conforming and

funding working with several Lenders, Account Executives and Lending Officers. Able to work on a number of mortgage systems. Preformed loan documentation/analysis, Quality Control, Detail-Oriented with outstanding work prioritization skills and aptitudes. SKILLS: Business Development, Customer Service, Extensive Knowledge of Investor Guidelines and requirements, A/P, A/R, Office Proficiency, Adapt Quickly to New Environments, leadership/ management

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