Mortgage Underwriter Loan Coordinator
Resume:
Kandy Champion
Knoxville, Tennessee 37938
adwjos@r.postjobfree.com . cell 865-***-****
Profile
Over 20 years’ experience in mortgage lending, and 10 years in Retail Bank Branch. This background includes origination, processing, underwriting both conforming and Non QM, customer service and loan doc review for compliance, audit and collateral documentation such as self-employed income analysis. Detail oriented with the ability to multitask, and to support achievement of overall corporate goals and objectives. Skilled at documenting and communicating complex loan information to a team in a careful and meticulous manner. Core competencies include:
Credit Underwriter
Processing Manager
Compliance - Audit review
Loan Originator
Consumer Lending
Bank Branch Manager
Processor
Loan Coordinator
Career Experience:
Regions Mortgage, Knoxville, TN February 15, 2021, to May 5, 2023
Mortgage Underwriter II (Remote)
Approved lending authority for residential mortgage loans up to conforming limits.
• Underwrote a wide variety of loan products utilizing DU, LP and manual underwriting, including: Fannie Mae, Freddie Mac, Agency, Construction Perm, Renovation Perm, Portfolio, Bi-Weekly, Doctor Loans, etc.
• Analyze all loan documents to determine credit worthiness to be able to make an informed loan decision, which includes: loan application, credit, income, assets, collateral, title, contracts, etc.
• Adhere to all internal and external underwriting guidelines, policies, procedures and Federal/State regulations
• Collaborate with internal partners throughout the loan process to move loans in the pipeline from initial underwriting approval to final loan approval ensuring SLA targets are met
• Manage a daily pipeline of initial underwriting loan reviews, final underwriting loan reviews, reworks and suspended loans and other various tasks.
Set clear and concise conditions for missing documentation to meet investor guidelines. Communicated with both Sales, Processing and closing.
Regions Mortgage, Knoxville, TN October 2018 to February 2021
Mortgage Sales Assistant/ Loan Coordinator
Loan Coordinator for the Knoxville team originators. Gathered conditions for all assigned loans from customers. Kept customers, and real estate agents in the loop on loan status. Handle all compliance issues for the team, as well as ordering of all supplies, and assisted with training for new. Submitted all files to ILR, and helped processor gather any remaining conditions.
Regions Bank, Knoxville, Tn August 4, 2008 to October 2018
FSS, Branch Team Lead, Branch Manager.
Branch Manager for the Fountain City and Halls offices. Responsibilities included training staff, insurung that branch and personal goals were met in consumer lending, business development for business account, and consumer checking account. Personally, met over 200% of all my lending goals.
First Mac Corporation, Scottsdale, Arizona (worked remote from Knoxville, Tn) May 2005 to November 2007
Sr. Underwriter
Credit Underwriter and post purchase auditor for Correspondent loans. Underwrote all loans to meet investor guidelines. Conforming A+, A and B paper. First & 2nd Mortgages, and HELOC’s. Presented and recommended jumbo loans to the credit board for their approval. Maintained all lender files. Trained and coached new lenders on underwriting procedures for loan purchases. Underwriting limit to $650,000.00
Macquarie Mortgages USA, Inc, Memphis, TN (remote from Knoxville, Tn) August 2003 – May 2005
Operations Manager Correspondent Lending
Build and led a team of underwriters and processors for closing loans to be purchased. Completed internal audits on loans to ensure regulatory compliance and operational efficiencies and accuracy. Performed the function of underwriting as needed. Facilitated communications between operations and our correspondent lenders. Underwriting limit $650,000.00.
Precise Financial Services, Knoxville, Tn May 2002-August 2003
Processing Manager/Processor
Processed confirming loans through DU/LP and non-conforming real estate loans. Handled all locks, and pipeline reports. Submitted packages to lender for approvals. Assisted with loan officer training in flow of loan packages, compliance and loan set up.
Planters Equity Lending, a Division of Union Planters Bank (Knoxville, Tn) September 2000- January 2002
VP/Quality Control Specialist
Audited and reviewed each branch to ensure compliance with UP Policy and Procedures. Performed post-closing audit reviews and reported results to executive management. Implemented a master approval process for all brokers and correspondent lenders and handled vendor management.
First Horizon Home Equity, Memphis, TN, November 1988 – September 2000
Regional Manager.
Direct supervision of all retail and wholesale processing staff and wholesale sales agents
for a 4 state Region. Former positions included: Regions Sales Manager, Regional Processing Manager, Branch Manager, and Loan officer. Underwriting approval override to $250,000.00.
Technical Qualifications
MS Office, Word, Excel, PowerPoint, DU, LP, Point, Empower.
Classes taken:
2021 Xinnix - Soar
MBA University – Underwriting – 2010
Appraisal Institution - Foundations of Real Estate Appraisals by Tress - 2012
Foundations of Leadership, Legal aspects of Leadership, Productivity Leadership, Change Leadership – taken through First Horizon Home Loans.
References available on request.
Mark Finston – Chief Financial Officer with FirstMac Corporation - cell - 602-***-****.
Rita Umberger – Underwriter cell 954-***-****
Randy Chappell - Enrichment Credit Union - Mortgage Manager – office – 865-***-****, cell 310-3802
Aaron Madron – Consumer Manager Regions Bank – office 521-5994
Joe Burgin- MacQuire Mortgage – 901-***-****
Joe Dick – Regions Mortgage Underwriting Manager 615-***-****
Brandon Connell - Regions Underwring Manager - 205-***-****
Janette Burgin - Sales Manager – Regions – 865-***-****
Carin Chiles – Regions Loan Officer – 615-***-****
Joan Binnie - Regions Underwriter 573-***-****
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