Mortgage Loan Chase Bank

KENNETH J. GILLESPIE

RESIDENTIAL MORTGAGE PROFESSIONAL

CONTACT: 630-***-**** / ***********@*****.***

PROFILE

35+ years of residential mortgage lending experience. Underwriting experience: Prime, Sub-Prime, Agency, Non-Agency, Conforming and Non-Conforming mortgage loan types. Experienced with various LOS, AU, and AI loan software systems. Proficient with DU/LP. Have had FHA/DE and VA/LAP designations. Have held single signing authority of $1,000,000 with tacking authority of $4,000,000. Knowledgeable with Federal and State specific regulatory requirements. Underwritten and audited mortgage loan files from all 50 states. Underwritten all types of borrowers and all types of properties. Extensive knowledge and experience in most areas of mortgage lending operations: originations, processing, underwriting, closing, post-closing, auditing and due diligence. Very effective project leader and problem solver with a hardworking mentality and a focus on quality and accuracy. Solid supervisory experience. BETA Team experience. Involved with loss mitigation and fraud detection/mitigation. Honesty and integrity are paramount attributes.

EXPERIENCE

INTERFIRST MORTGAGE COMPANY

5/11/2020 – 5/27/2022

Mortgage Appraisal Review Specialist

Responsible for the technical review of appraisal reports for all types of residential real estate property types. Determined the overall quality and acceptability of the subject property and the strength of the estimate of market value. Developed, implemented and maintained the external appraisal transfer function. Developed and implemented a training program for all new hires and current employees. Conducted quality audits on current and previous appraisal reviews.

HUNTINGTON NATIONAL BANK

2/2014 – 10/2017

Senior Appraisal Review Analyst

Reviewed residential appraisal reports for conformity to established corporate and secondary market requirements and regulations. Reviewed all types of residential real estate properties. Developed, implemented and maintained various production and quality control reports. Reviewed loss mitigation appraisal reports.

WELLS FARGO BANK

5/2013 – 11/2013

Senior Residential Underwriter III

Underwrote non-conforming residential mortgage loans. Reviewed and analyzed all types and forms of income, credit, asset, collateral, regulatory disclosure, and legal documentation. Determined overall conformity of loan submissions to applicable corporate and secondary market guidelines. Issued appropriate binding loan determinations.

CHASE BANK

2/2011 – 5/2013

Residential Loan Quality Review Analyst

Audited conforming, post-closing, residential mortgage loans for overall conformity to corporate and secondary market guidelines. Reviewed regulatory and legal documents for compliance. Issued loan level errors and omissions reports.

EDUCATION

Master of Business Administration

BENEDICTINE UNIVERSITY June 1987

Bachelor of Arts

NORTH CENTRAL COLLEGE June 1984

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