Operations Manager Underwriter

Location:

Posted:

November 20, 2022

Karyn M Montenaro

** * *" Street

Columbus Ohio *3215

*****@***.***

Mortgage Professional with 28 years mortgage experience as a Loan Underwriter, Fannie and

Freddie, FHA DE, VA SAR and USDA

Underwriting Employment History:

2015 to November 2022 Senior Underwriter with Equitable Mortgage

2013-2015 Operations Manager/Underwriter with First Financial Bank

2007-2013 Operations Manager/Underwriter with Equitable Mortgage

1998-2005 Contract Underwriter with United Guaranty and MGIC

e Responsible for underwriting complete product offerings including automated and manual

underwriting of mortgage loans.

e Analyze and evaluate residential loan applications in accordance with industry and business

unit standards.

e Demonstrate sound judgment in the analysis of required documentation while mitigating

organization risk through appropriate decision making.

e Indepth knowledge of all legal, compliance, regulatory and investor requirements for the

product set.

e Develop and maintain a loan underwriting portfolio consistent with guidelines for credit

quality and Investor or Insurer standards.

e Respond to quality control and audit reviews when requested in a timely manner.

e Approve and/or deny loans within certain limits and make credit structure and loan eligibility

decisions.

e Proactively suggest program alternatives for customers who do not qualify for terms initially

submitted.

¢ Ability to manage and underwrite a big pipeline of loans with speed and accuracy

Education:

Bachelor of Arts

Ohio Dominican University

Columbus Ohio