KIMBERLY MIDDENDORF

Stanwood, WA M: 425-***-****

advjms@r.postjobfree.com www.linkedin.com/in/KimberlyAMiddendorf Goal-oriented underwriter with 10+ years mortgage experience in FHA(Reverse) and Conventional Loans. Strong skills in customer service, appraisal, credit and income analysis. Extensive experience in team management, data collection and pipeline management. SKILLS

Type 100+ WPM

Experienced with mortgage industry online/web

functions such as: Lexis/Nexis, The Work Number

(TALX), Salary.com, Business Objects, LandSafe,

Realview, FraudGuard, Fraud Manager, FHA

Connection, Interthinx, SAM (GSA), LDP, Firmex, Flood Data Services, AllRegs, Data Verify and Collateral Underwriter

Proficient in Microsoft programs including Excel, Word, Outlook and Teams

Familiar with Access Point, Encompass,

ReverseWare, Ros/RevStar, ReverseVision, Next

Technologies, XDocs, BayDocs, Adfitech, Share

Point, Blitz, MyKey, EAD and SugarCRM

EXPERIENCE

UNDERWRITING MANAGER/DE UNDERWRITER, HOMECISION

9/2021 – 11/2022

Lead/supervise 3 employees

Prepare daily reports

Pipeline management

Annual employee reviews

Team member coaching

Cover underwriters’ pipeline while they were out of the office.

Manually underwrite all files.

Apply compensating factors.

Review manufactured homes and condominiums.

Analyze and determine insurability of reverse mortgage credit and collateral packages incorporating Bank’s preferred risk strategy and compliance requirements.

Responsible for complete initial, condition and closing (clear to close) review.

Review of loans using third party validation programs for collateral and credit packages including FraudGuard, Data Verify and RealView.

Positive reviews on performance, communication, and time management.

No loans of mine were returned from investor or FHA for insurability issues.

Unlimited loan approval.

80+ loans underwritten per month with 60+ to funding. UNDERWRITER II, GUILD MORTGAGE

8/2020 – 9/2021

Evaluate automated underwriting systems findings report and research product and program guidelines to insure each loan scenario is acceptable.

Identify adverse credit events and determine acceptable seasoning and rebuilding of credit. 2

Calculate wage earner, fixed income, rental, and self-employment income.

Evaluate depository, investment, and retirement assets for cash to close and reserves.

Review appraisal reports and forms to determine whether the market value and subject property condition is acceptable.

Verify data integrity across loan origination systems and automated underwriting systems.

Remotely located and recognized multiple times for superior customer service, production, time management and ability to multitask.

Recognized for underwriting 100 loans in one-month multiple times. Exceeded monthly underwriting goals. DE UNDERWRITER, PREMIUM SECURITY INC

1/2020 – 8/2020

Review mortgage documents to ensure insurability of reverse mortgage including, credit and collateral packages incorporating Bank’s preferred risk strategy and compliance requirements.

Responsible for complete initial, condition and closing (clear to close) review.

Review of third-party validation programs for collateral and credit packages from FraudGuard to RealView.

Positive reviews on performance, communication, time management, flexability and loan quality.

Unlimited loan approval authority.

LEAD DE UNDERWRITER, TMAC

8/2018 – 12/2019

Analyze and determine insurability of reverse mortgage credit and collateral packages incorporating Bank’s preferred risk strategy and compliance requirements.

Responsible for complete initial, condition and closing (clear to close) underwrite including application of third-party validation programs for collateral and credit packages from FraudGuard to RealView.

Positive reviews on performance, communication, and loan quality.

Assisted in customizing the origination platform Reverse Express, setting up the process flow from origination to closing.

Assisted servicing in QC review of purchased loans and review of trailing documents. Processing of initial application packages, including scanning and review of application documents. Ordering FHA case number, CAIVRS, appraisal and title.

Only DE underwriter on staff with unlimited approval authority. DE UNDERWRITER, RESOLUTE BANK

8/2016 – 6/2018

Analyze and determine insurability of reverse mortgage credit and collateral packages incorporating Bank’s preferred risk strategy and compliance requirements.

Responsible for complete initial, condition and closing (clear to close) underwrite including application of third-party validation programs for collateral and credit packages from FraudGuard to RealView.

Remotely located with minimal supervision and positive reviews on performance, communication, and time management.

Unlimited loan approval authority.

Excellent loan quality with no files returned for insurability issues (NOR). 3

12/2014 – 8/2016

UNDERWRITER, GOLDWATER BANK

EDUCATION

NAMU-CMMU – CERTIFIED MASTER MORTGAGE UNDERWRITER 1/30/24

NAMU – CCUP – CERTIFIED IN COMMERCIAL UNDERWRITING & PROCESSING 2/7/24

CAMPUS MORTGAGE – FHA DIRECT ENDORSEMENT

CAMPUS MORTGAGE – LAPP/SAR UNDERWRITER “STEP BY STEP INSTRUCTION”

CAMPUS MORTGAGE – DODD-FRANK ROLL BACK – “NEW RULES DEFINED”

FHA CHUMS ISSUED: 10/2007

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