Front End Underwriter

KAREN L. GREENE

503-***-**** advard@r.postjobfree.com

Licensed mortgage professional seeking opportunity wherein my collective mortgage lending experience may be utilized. Superior verbal and written communication skills with a cheerful outlook and a strong work ethic. Proven ability to make informed decisions and recommendations in multiple scenarios. Excellent analytical skills with ‘outside the box’ thinking. Results oriented with outstanding organizational and time management skills. LOS: Encompass, Calyx Point, CORE, Net Oxygen and IMX. NMLS License 214986: OR and FL.

P R O F E S S I O N A L E X P E R I E N C E

NEXTUS LENDING/VISTA POINT JULY 2021 - SEPTEMBER 2022 Senior Underwriter – Front End QM and Non-QM (Volume drop) Non-QM senior underwriter of DSCR, Asset Dissipation, Bank Statement, P&L, 1099 and Full Doc purchases and refinances. Responsible for accurate calculations of employed/self-employed income including acceptable bank deposits, DTI/DSCR ratios and title, insurance, and collateral review. Effectively communicated decisions and rationale with Account executives, Account managers and Brokers. LOS: Encompass.

CLARO MORTGAGE TECHNOLOGY/ CONTRACT UNDERWRITER OCTOBER 2020 - JULY 2021 COMMERCE, CLAYTON AND SPROUT MORTGAGE.

Remote

Underwriter III – Front End QM and Non-QM (secured permanent position with Vista) QM, Non-QM and Agency senior underwriter of first mortgage purchases and refinances. Completed credit, collateral and income analysis of full doc, W2, self-employed income including 1065’s, 1120S, 1120, Schedule C, Schedule E, 12 and 24 month Bank Statements, Asset Dissipation and DSCR loans. LOS: Encompass.

FIRST REPUBLIC BANK JULY 2017 -MARCH 2018

Portland, OR (Portland volume dropped)

Senior Loan Specialist-Front End/Portfolio and FNMA Underwriting Front end senior underwriter responsible for processing and underwriting FNMA and portfolio mortgages. Completed set up, performed complex income analysis of corporate and self-employed returns. Calculated debt ratios, reviewed collateral, set, and cleared conditions, followed through to funding. Assisted in off-site location overflow due to local drop in volume. LOS: Net Oxygen

WELLS FARGO HOME MORTGAGE JAN 2009 - MAY 2017

Beaverton OR, Vancouver WA, Orlando, FL

Underwriter III

Front End/Fulfillment - Senior underwriter responsible for quality decisions first mortgage purchases, refinances and HELOC. Proficient in wage and self-employed income analysis: 1120S, 1065, Schedule C and E. Lending and exception authority up to $1MM. Completed thorough review of credit, character, collateral, and capacity to assess risks and compensating factors. Attained top ten percentile of national underwriter data base in production and quality with 100% QIS rating within first quarter with a 98.7% annual average. HELOC/Subordinations - Top producer of cash out Jumbo, Wealth Management, Investor sold and private banker transactions Selected to complete second level reviews/QA. Collaborated, developed, initiated process to reduce negative audit findings achieving 100% adoption and utilization. Trained national staff of fifty plus Underwriters. Lending and exception authority for cash out and rate/term subordination requests up to $500,000. Demonstrated ability to meet tight deadlines, high production success while maintaining high quality work. Loss Mitigation - Completed project which included implementing fraud detection. Assessed hardship situations. Analyzed varying forms of financials to derive actual DTI to decision file. KAREN L. GREENE

503-***-**** advard@r.postjobfree.com

KLASSIC LENDING GROUP, LLC

Oregon JUNE 1998 -2008; MAY 2018 – DEC 2022

Licensed Broker/ Originator

Successfully built and developed small local company. Hired, trained, managed a team of up to 20 originators. Specialized in NINA, NINEVA, Stated and other Alt-Doc scenarios. Closed as a result of the industry implode in 2008. Reopened May 2018 after lay-off from First Republic Bank. Licensed surrendered 11/2022. LOS: Calyx IMX

Oregon, Washington

Sales/Account Executive 1996-1998

Mortgage procurement software sales and presentation. Researched, solicited new accounts for the regional broker community. Increased profitability of newly launched company until the company was acquired. Outside sales was then brought on site in California.

EDUCATION

California State University Sacramento, Bachelor of Arts in Communications Honors/Awards: Summa Cum Laude / Golden Key Honor Society

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