Mortgage Underwriter Time Delivery

DINA MARIE KRSKA

**** * ******* ****** **** **** Chandler, AZ 85225• 630-***-**** • *********@***.***

Highly analytical, organized, and versatile professional offering many years of extensive experience in underwriting, financial management, team management & financial systems analysis, QA/QC Auditing and portfolio review. Demonstrated proven track record of employing keen attention to detail in reviewing portfolios and conducting investigations to verify compliance with set standards. Analyzed processed and approve loans in the areas that include Purchase & Refinance, Conventional, Conforming, Non-Conforming, Alt-A, Self-Employed Borrowers, Primary, Secondary & Investment Properties, Sincere and honest individual with high level of personal and professional integrity. Recognized as a dependable leader and coach with exceptional expertise in maximizing resources and an ability to motivate and encourage others.

Areas of Expertise: • Wholesale & Retail Mortgage Banking • Fraud Investigation • Due Diligence & QC/QIS Experience • Risk Assessment • Corporate Tax Returns • Loan Processor/Officer Support • Team Building/Mentor • Fannie Mae/Freddie Mac • Purchase & Refinance Loans • Account Management • Conventional Mortgage Underwriting • Manufactured Home underwriting • Consumer Underwriting • Retail Branch Management • Team Management • Affordable loans, HARP, Home Line of Credits/Loans • Conforming, Alt-A, Self-Employed Borrowers, Primary, Secondary & Investment Properties, • Due Diligence to ensure loan salability and Underwriter quality

EDUCATION AND TRAINING: Thornton Community College, South Holland, IL - Business and Financing Applications: Mortgage Builder, MLCS IMB ISC Fiserv, Desk Pro, Laser Pro, Optis Loan Works, Lan Tracking System, Core, LIS, Mortgage Builder, MLCS, Zippy, EDE, Blitz-Docs, Net O, ICDP Omni, CLMS Attended several classes on team building, fraud and compliance training, underwriting and processing training, total customer satisfaction, various bank seminars, train the trainer, and quality. SKILLS & KNOWLEDGE: Excel, Outlook, Word, Internet Explorer/Chrome, Manual Underwriting, Desktop Underwriter (DU) LP, underwriting loans, Fannie Mae and Freddie Mac program requirements, Mortgage Insurance U/W thru MGIC, UG, ESSENT, Compliance and Quality Control Auditing, PowerPoint, Adobe

BUSINESS EXPERIENCE:

MUFG/Union Bank March 16, 2020, to Present

Tempe, AZ Senior Underwriter/Analyst/Officer Consumer Loan Operations

Responsible for the approval and management of loans in pipeline (Consumer Retail, purchase, refinance, conventional, assisted in non-conforming project upon hire, & Commercial PPP loans…underwrite all types of income, for primary, secondary and investment properties. Analysis of credit, assets, income, title and appraisals to ensure proper due diligence in document review, including but not limited to PMI compliance, adherence to program guidelines and requirements… Communicating with residential lending sales, and operations staff regarding loan decisions, conditions, scenarios, and underwriting guidelines

Wells Fargo June 3, 2019, to March 2020 Chandler, AZ

Non-Conforming Underwriter 4 Correspondent Operations

Responsible for the approval and management of loans up to $2.250M (purchase, refinance, conventional non-conforming, self-employed borrowers, primary, secondary and investment properties, manufactured homes)., Manual frontline underwriting, analysis of credit, assets, income, title and appraisals to ensure proper due diligence in document review, adherence to program guidelines and requirements. Maintain and manage internal and external relationships to exceed position deliverables. Review complex financial documents, calculate borrower income and tax return analysis including calculating income. Setting priorities and ability to multitask helped me to routinely exceed organizational goals.

BMO Harris Bank – Service date: December 2016 – December 2018 Naperville, IL

Mortgage Underwriter/Team Lead

Responsible for the approval and management of loans up to $1.250 M (Consumer Retail, purchase, refinance, conventional, self-employed borrowers, primary, secondary and investment properties, manufactured homes). Conducted, Manual Underwriting, Fannie Mae/DU, FHLMC-LP frontline underwriting, analysis of credit, assets, income, title and appraisals to ensure proper due diligence in document review, including but not limited to PMI compliance, adherence to program guidelines and requirements. Based on my strong knowledge of federal and state regulatory requirements, I was also responsible for loan investigations, appropriately reporting mortgage fraud and discharging of those loans. Underwrites consumer auto loans, home equity lines/Loans of credit and credit cards in compliance with lender and investor standards while managing overall credit risk. Strong focus placed on timely and accurate responses to audits. Maintain and manage internal and external relationships to exceed position deliverables. Reviewed complex financial documents, calculate borrower income and tax return analysis including calculating income. Executed thousands of loans initiatives with cross-functional collaboration with customer service, creditor relations, and loan originator. Provided a tailored experience for customers by providing education on positive aspects of debt settlement and assistance with navigation of the process. Setting priorities and ability to multitask helped me to routinely exceed organizational goals. Consults with senior executives to drive business goals through aligned strategies, consolidated suppliers and policies. Provided oversight and mentoring for less experienced co-workers to ensure on time delivery, compliance and accuracy.

First American Mortgage – Service date: January 2015 – November 2015 Tempe, AZ

Contract Underwriter Manager

**Supervised a team of 20 people branch staff, which would include coaching, disciplinary and annual reviews** Responsible for the approval and management of loans up to $3.5M (Consumer Retail, purchase, refinance, conventional, non-conforming, self-employed borrowers, primary, secondary and investment properties, manufactured homes)., Manual Underwriting and Conducted Fannie Mae/DU, FHLMC-LP frontline underwriting, analysis of credit, assets, income, title and appraisals to ensure proper due diligence in document review, including but not limited to PMI compliance, adherence to program guidelines and requirements. Based on my strong knowledge of federal and state regulatory requirements, I was also responsible for loan investigations, appropriately reporting mortgage fraud and discharging of those loans. Underwrites conventional residential loans, consumer auto loans and credit cards in compliance with lender and investor standards while managing overall credit risk. Strong focus placed on timely and accurate responses to audits. Maintain and manage internal and external relationships to exceed position deliverables. Reviewed complex financial documents, calculate borrower income and tax return analysis including calculating income. Executed thousands of loans initiatives with cross-functional collaboration with customer service, creditor relations, and loan originator. Provided a tailored experience for customers by providing education on positive aspects of debt settlement and assistance with navigation of the process. Setting priorities and ability to multitask helped me to routinely exceed organizational goals.

Credit Union West – Service date: October 2014 – January 2015 Glendale, AZ Real Estate Specialist III

Examine residential loan packages, assess risk and set parameters and terms for approval, and maintain uniformity and high-quality standards, modification and/or rejection. I was a part of a very collaborative team with sales and other internal departments to set goals to meet or exceed internal performance expectations, monitoring industry trends and improving the overall customer experience. I continually looked for opportunities to improve the process and expedite the loan process while adhering to all regulatory guidelines and requirements. As a function of these relationships, I was continually learning and researching system features.

EARLIER CAREER EXPERIENCE

Bank of America – Service date: January 2014 – October 2014 Phoenix, AZ Senior Credit Analyst

Wintrust Mortgage – Service date: October 2012 – December 2013 Rosemont, IL Team Manager

Wells Fargo Home Mortgage – Service date: October 2010 – October 2012 Downers Grove, IL

Mortgage Underwriter 3

Washington Mutual / Chase Bank – Service date: 2003 –2010 Downers Grove, IL

Team Underwriting Manager

CITIZENS FINANCIAL SERVICES, Palos Heights, Illinois Service date: 1998-2003

Area Vice President / Branch Manager

References upon request

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