Senior Underwriter
Resume:
Kathleen A. Kipilii
Mesa, AZ 85209
480-***-**** (cell)
********@*****.***
Overview: I have over 29 years’ experience in the mortgage industry. I currently hold my DE & SARS. States that I currently underwrite for are FL, GA, TX, OR, AZ, CA, NM, UT, IL, WA and NV.
Fairway Independent Mortgage Corporation 04/17 – Present
Maddison, WI
Sr Mortgage Underwriter - Underwriter – Reviews and verifies all items provided by the borrowers and ensures that they meet CONV/FHA/VA guidelines. Reviews and underwrites for consumer loans originated in assigned regions, assuring compliance with all credit policies and consumer lending regulations.- Validate Automated Underwriting System. Review title requirements, exceptions, and other information obtained for accuracy, completeness, and conformance. Review credit, disclosures, order title, MI and appraisal, if applicable. Complete required checklists/worksheets. Obtain additional documentation needed from all sources. Review and respond to exception reports, internal and external audits, as required.
Credit Risk Oversight Underwriter 05/16-04/17
Higher level reviews of difficult loan scenarios for risk-based underwriting decisions.
Imortgage/Loan Depot 04/13 – 5/16
Scottsdale, AZ
Underwriting Manager - Mentors, monitors, motivates and educates a team of 7-9 underwriters. Responsible for Teams pipeline management of the following types of programs: FHA, VA, USDA, CONV and certain bond loan programs. Train Team Members by communicating rationale behind credit decision, in order to develop growth in underwriters. Evaluate and examine transactions to ensure accuracy, completeness, and compliance with Investor and company guidelines. Answers and Underwrites unusual and/or complex individual consumer requests and products within company and industry guidelines, within signing authority limits. Review financial statements, credit reports and applicable ratios and assist in analyzing if required and assist with renegotiation of loans based on lending guidelines.
Performs timely compliance reviews and performance reviews and feedback to maintain a high level of customer service. Support partnership with operations, processing and Loan Officers.
Imortgage 01/11- 4/13
Scottsdale, AZ
Team Lead/Underwriter III – Responsibilities include assisting in training/transition of new Underwriters into the Imortgage culture and product/program training necessary to ensure quality, consistency and customer service. Review loans and investor guidelines/overlays with team members to ensure compliance with investor requirements. Assist in over-site/monitoring of the team pipeline to ensure service level commitment is maintained to include taking underwriting overflow of additional loans when necessary. During absence of Team Lead perform all back-up team lead responsibilities to include management of pipeline, monitoring and answering emails, assisting with insuring/investor issues, timely response to Loan Officer and Processor questions/needs, reviewing files with underwriters and signing off on conditions while maintaining a full underwriting pipeline consisting of Conventional, USDA, FHA, and VA loans. Review investor guidelines to stay up to date with any and all changes to individual program guidelines. Underwrite to both investor and MI guidelines utilizing AUS and Manual overlays, as well as individual state requirements. Manually underwrite Foreign National program to Fannie Mae Guidelines. Established and maintained a strong and cohesive working partnership with Loan Originators and Processors as well as colleagues in Underwriting, Closing and Insuring / Post Closing to ensure loans close in a timely manner and in accordance with investor guidelines.
Metlife Home Loans 07/09-01/11
Scottsdale, AZ
Underwriter – Reviews and verifies all items provided by the borrowers and ensures that they meet CONV/FHA/VA guidelines. Reviews and underwrites for consumer loans originated in assigned regions, assuring compliance with all credit policies and consumer lending regulations.- Validate Automated Underwriting System. Review title requirements, exceptions, and other information obtained for accuracy, completeness, and conformance. Review credit, disclosures, order title, MI and appraisal, if applicable. Complete required checklists/worksheets. Obtain additional documentation needed from all sources. Review and respond to exception reports, internal and external audits, as required.
Radian Guaranty, Inc. 04/05-07/09
40th/Camelback, Phoenix, AZ
Contract Underwriter (Phoenix Service Center) – Review credit, income, tax returns, asset/income documents submitted by the lender to ensure credit package meets Lender, Secondary and MI requirements and that the collateral is sufficient for Lenders security. Underwrite 1st/combo mortgage applications for several major Investors to ensure loan package complies with selected product guidelines for all types of manual and AU system underwriting, to include LP, DU Asset Wise, Gemstone, Zippy and CLUES/CLOUT. Lending authority up to $650,000.
Genworth Financial 09/04-12/04 and 04/06-07/06
Onsite at JPMorgan Case, Tempe, AZ
Contract Underwriter (Onsite) - Review credit, income, tax returns, asset/income documents submitted by the lender to ensure credit package meets Lender, Secondary and MI requirements and that the collateral is sufficient for Lenders security. Assist Supervisors, Processors, Loan Officers and managers to ensure timely closings and that excellent customer service is provided. Lending authority up to $650,000.
National City Mortgage 07/02-08/04 and 01/05-04/05
Tempe, AZ
Sr. Released Loan Processor – Processed and Underwrote CONV, FHA, VA loan types. Analyzed loan files for credit worthiness and data integrity. Worked with and assisted a group of 5 plus loan officers and over 100 loans in a pipeline per month. Ensured that each loan file was in compliance with regulatory mortgage insuring and NCM guidelines.
First Horizon Home Loans 02/98-08/00 and 10/00-06/02
32nd St/Camelback, Phoenix, AZ
Retail Processor – 02/98-08/00 Builder preferred lender for Courtland Homes. This team of Processors and Loan Officers managed this account for several years. Normal processing duties to include, set up of loan file, mailing out of disclosures, verification of employment, assets, rents, etc and assisting the Sr. Processors with obtaining any missing documentation required to submit a complete credit package to underwriting for review. Processed all loan types CONV/FHA/VA.
Underwriting Assistant – Assistant to the Underwriting Manager and Underwriters on current files to meet final approval standards. Assigned files to each Underwriter in order of importance/urgency under the Underwriting Mgr’s discretion. Answered questions from Processors/Loan Officers on loan scenario’s and loan program guidelines.
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