Mortgage Underwriter Early Childhood

HK Heidi Kemp

Mattawan, MI ***** 269-***-**** *********@*****.***

PROFESSIONAL

SUMMARY

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Experienced sr mortgage underwriter with over 27 years of experience in the mortgage industry . Excellent reputation for resolving problems and improving customer satisfaction.

SKILLS Terms Definition

Application Reviews

Product Education

Customer Proposals

Loan Restructuring

Property Evaluation

Credit History Review

Loan Product Knowledge

Loan Feasibility Assessment

Desktop Underwriter

Automated Underwriting Systems

Creditworthiness Determination

Government Lending

Government Standards

Variance and Risk Analysis

Mortgage Lending Requirements

Eligibility Requirements

File Organization

Analytical and Critical Thinking

WORK HISTORY MORTGAGE UNDERWRITER 05/2002 to CURRENT Amerifirst Home Mortgage Kalamazoo, MI

Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

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

Applied grades to each loan application based on established criteria to keep institutional risk low.

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

EDUCATION Associates Early Childhood Education 08/1995 Lake Superior State University, Sault Ste. Marie, MI CERTIFICATIONS FHA DE underwriter, VA SAR

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