Processor Underwriter
Resume:
TamiJo Kolessar
Chester, NY *****
**********@*****.***
EXPERIENCE
Complete knowledge of mortgage underwriting guidelines and restrictions for conventional, government (FHA, VA) insured loan programs. Work collaboratively with team members and management to drive a successful closing and customer satisfaction.
UNDERWRITING SPECIALIST • AMERICAN ADVISORS GROUP • 2/2022 – 10/2022
*Reverse Mortgage – Forensic review of Jumbo reverse mortgage loans for red flags, guideline acceptability and accuracy.
*Implement and oversee changes in underwriting procedures.
*Maintenance and review of lender guidelines. Update and manage guidelines verifying the most recent guidance available to underwriters.
* Manage and train underwriters as educational needs are warranted.
*Manage and review loans prior to closing verifying salable loans.
*Work directly with upper management report underwriting needs and training needed.
*Troubleshoot and resolve loans with post-closing issues. 2
DE UNDERWRITER • HOMESTEAD FUNDING • 7/2020 – 1/2022
*Underwrite Conventional, FHA, Reno and VA loans.
*Daily review of updates to mortgage guidelines.
*Strengths in risk management, income/credit
analysis/collateral and documentation review.
*Timely and accurate completion of compliant loan packages facilitating volume growth while preserving quality.
*Adhered to turn times. Fast paced turnover of underwriting loan volume.
DE UNDERWRITER • HOMEBRIDGE FINANCIAL • 10/2012 –
6/2020 (TWO ROLES)
DE Underwriter - 6/2015-6/2020
*Underwrite Conventional, FHA, Reno loans and ensure all guidelines are met.
*Manage daily pipeline and stay within turn times
*Review of income documentation, all credit and collateral for acceptability to current guidelines.
*Verify each loan meets all applicable guidelines prior to clearing.
Senior Processor - 10/2012-6/2015
*Senior processor with lending authority. Work directly with the borrower(s), loan officers, realtors, and title company.
*Review all loan documentation in detail.
*Leveraged knowledge of loan products.
*Restructured turned-down loans for subsequent approvals. 3
*Underwrite loan within lending authority.
*Maintained compliance with lending, underwriting and government requirements.
SENIOR PROCESSOR • PROSPECT MORTGAGE • 8/2008 –
9/2012
*Oversee complete pipeline for the branch.
*Supervise junior processors to ensure all loans were worked on in a timely manner and completed within an acceptable turn time.
*Processed loan from application through loan clearance.
*Follow-up with borrowers, loan originators and management throughout all phases of the loan process.
*Complete review of income, assets, credit and collateral for underwriting submission.
EDUCATION
CLARKSTOWN HIGH SCHOOL NORTH
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