Kollyn Yearry

aduj2z@r.postjobfree.com 810-***-**** ***6 Lake Lapeer Dr, Metamora, MI 48455

SUMMARY

Senior Underwriter with a vast knowledge in FHA, Rural Development, VA, Fannie Mae and Freddie Mac Products

SKILLS

• Evaluate loan risk and determine loan application validity in LOS/AUS

• Review Applicants Credit History

• Determine the applicant’s income & ability to repay the loan debt

• Establish loan specific guidelines are met along with any company/investor overlays

• Complete income analysis worksheets and/or cash flow analysis

• Analyze Collateral Risk

• Assist Loan Officers and other staff with regards to product questions and scenarios

EXPERIENCE

Senior Underwriter, Legend Lending September 6, 2022 – November 14, 2022 Retail underwriter – Mid America Mortgage retail division was acquired. Senior Underwriter, Mid America Mortgage August 15, 2018 – September 5,2022 Retail Underwriter - Reviewed and decisioned all loan files along with appraisal review. Completed VA credit standards course through WEBLGY January 2019 and again 2022. Obtained certification to underwrite TSAHC, TDHCA and many other DPA programs utilized in states in which we are licensed.

Senior Underwriter, Cason Home Loans, July 2012 – August 2018 Retail Underwriter - Reviewed and decisioned loan files along with appraisal review. Responsible for pre-underwriting and clearing conditions on VA loans with investors and made any required changes insuring our loan data matched for closing and permanent file. Attended many trainings and stayed current on industry changes. Maintained extreme knowledge in all loan programs (FHA, VA, RD & Conventional) contributing to the underwriting department being second to none.

Mortgage Loan Originator, Cason Home Loans, June 2010- July 2012 Obtained Mortgage Loan Originator License –

Originated FHA, Conventional, VA and Rural Development loans and assisted top producing loan officer(s) in meeting underwriting requirements and closing deadlines. Results: Production increased while company expectations/goals were exceeded. Loan Originator/Manager, Mac-Clair Mortgage Corp, Sept 1997 – June 2010 Originated Loans (FHA, VA, RD and Conventional) and developed a large team of loan officers. Trained team on how to pre-qualify, take thorough applications, collect underwriting conditions. Conducted office presentations and created marketing strategies and materials. Continually met corporate closing quotas and applications taken both personally and managerially.

EDUCATION & TRAINING

FHA Appraisal Training – Chicago, IL

Completed Fundamentals of FHA Underwriting

Fannie Mae/Freddie Mac Appraisal Evaluation Training – Novi, MI Fannie Mae Self Employed Income Analysis Training

VA Credit Standards Course – WEBLGY

TDHCA – Online Certification

TSAHC – Online Certification