Mortgage Underwriter Shipping Supervisor

Kimberly Pieris

704-***-**** Charlotte Area, NC *******@***.***

Sr. FHA/Agency/Manual Mortgage Underwriter

Top producing Senior DE Underwriter with 20+ years of experience in automated and manual underwrite abilities with highest level authority in FHA and Agency conforming loans. Passionate about underwriting excellence and providing homeownership opportunities for customers. Methodical approach allows informed decisions combined with common sense. Practices sound lending judgment while safeguarding the company from potential business risks. Team player who loves to mentor others, learns easily and looking for stability. Key highlights include:

Hard working dedicated employee that thrives in fast pace environment.

Work remotely while exercising good judgement consistent with risk philosophy and policies.

Ability to prioritize tasks and streamline processes to improve ease of doing business with sense of urgency.

Handle conflict, frustrations and disappointment constructively through open dialogue allowing ability to resolve issue, applying constructive criticism and to create solution using out of the box logic while looking out for the best interest of the customer with service minded approach.

Generates superior customer satisfaction levels with both internal and external customer.

Analyzes creditworthiness, while adhering to all regulatory and compliance requirements.

Demonstrate positive support when experiencing changes in work responsibilities and quickly adapts to work within new structure, process and requirements seamlessly. PROFESSIONAL EXPERIENCE

Wells Fargo – Boca Raton, FL / Charlotte, NC 2012 – 2022 Senior DE/Agency Underwriter in National Decisioning Service Department Achieved highest level agency 4A and FHA 4F authorities using decision engine DU/LP as well as able to manual underwrite. Crossed trained in National Decisioning Service Dept providing second level review of all decline loans, auditing for errors, suggesting counteroffer options or complete declinations if applicable. Promoted to highest level agency 4A manual underwrite team in 2019 working complex zero credit score files/relocation for overseas borrowers.

Reviewed complex financial documentation including self-employed tax returns and foreign documentation.

Promoted to FHA containment team in 11/2016 with highest decisioning authority of 4F for credit/appraisals due to high quality, accountability and integrity.

Consistently achieved highest productivity and performance bonuses.

Maintained all authority levels, certifications and annual compliance requirements including NMLS#1527725. Utilized additional training opportunities for self-development.

Received recognition awards for Top Underwriter for Productivity, Excellence in Quality for continuance of 100% accuracy, Service Excellence Awards for delivering exceptional service and willingness to go above and beyond, Winner of Underwriting Champion Breakfast Club and shared Success Awards from peers.

Volunteered to partner with teammates to train/mentor new hires and upscaling existing peers.

Joined state of the art underwriting facility utilizing industry-recognized “best in class” paperless computer system

“Core” and proficient using three monitors.

Exercised good judgement consistently with Wells risk philosophy, policies and procedures. K. Hovanian American Mortgage – Boynton Beach, FL 2000 – 2012 DE/Agency Underwriter/Shipping Supervisor/Processor Performed FHA underwriting with fast paced builder owned mortgage co. Joined as a processor, received promotion to shipping supervisor then promoted to underwriter. Attained DE Underwriting Certification in 2002.

Expert in review of appraisals for new construction properties. Responsible for determining eligibility and value. Verified all standards were met to protect HUD, investor, lender and borrowers’ interest.

Continuously turned over large loan volume with precise accuracy.

Received excellence awards in productivity, quality and customer loyalty.

Successfully worked with Texas Division which handled 90% of all rush closings.

Coordinated project and obtained insurance on 150 late submission FHA/VA loans.

Reviewed and maintained daily reports for Outstanding Conditions, Mortgage Status, and Closing Calendar.

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