Loan Processor Lending Manager
Resume:
Kelly Carr
Jackson,WI *****
Detail-oriented and highly adaptable, with extensive years of experience in mortgage lending, stay-at-home mother seeking to re-enter the workforce as an Underwriter or Processor to provide a commitment to excellence for the company.
Underwriter
Waterfield Mortgage Company
July 1998 - September 2006
●Underwriting conforming loans for the midwestern region of a national lender, this included the use of an automated/paperless system. Responsibilities included analyzing loans to determine AU/DU Risk Factors.
●Consistently exceeded the average number of loans required per day
●Ability to synthesize complex and diverse information
Equitable Mortgage Company
May 1997 - July 1998
●Underwriting non-conforming A through D loans for an extremely fast paced mortgage company, currently licensed and operating in 18 states.
●With a large sales staff, all loans originated as well as underwritten out of the West Columbia office. The company's loan volume mainly consist of 1st and 2nd mortgage refinances of SFR, Condos, 1-4 family residences, manufactured homes, as well as land contracts.
Loan Processor
Palmetto Mortgage Company
January 1997- May 1997
●Loan processing of FHA, VA, and Conventional loans.
●Involved with all investor correspondents and was the mediator between investor, originator, and customer.
●In May 1997 Palmetto Mortgage Company was liquidated.
Mortgage Lending Manager
Arkansas Stage Bank
January 1995 - July 1996
●Employed with the bank decision to begin making secondary market loans.
●Began correspondent lending relationships for the Bank with First Commercial Mortgage and Chemical Mortgage (now Chase Manhattan Mortgage).
●Completed 15 test case reviews necessary to obtain Direct Endorsement status with HUD.
Kelly Carr 3151 Wildflower Lane
Jackson,WI 53037
Arkansas Stage Bank - continued
●Responsible for recruiting new mortgage lending business from a tri-county area and succeeded in capturing the major market share of the area.
●Supervised staff and responsible for underwriting all government loans.
●Responsible for completing pipeline, volume and income reports for the Bank’s Board of Directors and preparing an annual budget for the department.
Loan Officer
Telcoe Federal Credit Union
October 1994 - January 1995
●Interviewed applicants for mortgage and customer loans.
●Handled the processing and loan approvals.
●Responsible for vault cash, including ordering money to supply the Branches needs.
●Daily recapped the Branch business and balanced the Branch.
Loan Processor
One National Mortgage Company
October 1990 - October 1994
●Mortgage loan processing involving review and analysis of supporting credit and property documentation for loan approval.
●Reviewed all verification and documentation for compliance with applicable guidelines.
●Prepared credit analysis ensuring a borrower’s ratios did not exceed applicable guidelines.
●Reviewed closing documents to ensure the loan was closed in compliance with the underwriter’s requirements and all-statutory and regulatory requirements.
Certifications
●VA LAPP #6855
●CHUMS #0596
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