Kevin Orf

Senior DE Mortgage Underwriter

North Branch, MN 55056

adwkg0@r.postjobfree.com

+1-651-***-****

I am open and honest even in difficult negotiations. I prefer to select the most direct route to problem resolution. I keep my supervisors up to date on developments and I am willing to escalate issues to meet the business needs. I strive to understand my customer's needs and focus on providing outstanding service. I have used word, excel, NTS mainframe, CPI, loanquest, Siebel, Encompass, Point and the internet on a daily basis. Work Experience

Protective Security Officer

Constellis/Triple Canopy - Minneapolis-Saint Paul, MN June 2022 to Present

Staff armed Security posts and provided security for the personnel and property of, and visitors to, US Government properties.

1. Protect personnel and property in a professional manner. 2. Meet and deal tactfully and politely with the general public and visitors. 3. Detect and respond to alarms and emergencies.

4. Secure entrances and exits during emergencies.

5. Provide first aid, CPR and aid in emergencies as necessary. 6. Identify, report, delay or detain persons who violate rules and regulations 7. Complete all paperwork and reports as required. Security Supervisor

GardaWorld Security Services - Minneapolis-Saint Paul, MN July 2018 to Present

Multiple security roles at Minnesota Viking, Gophers, Twins and Timberwolves games as well as the Minnesota State Fair and various Mall locations and TCO stadium. I have Supervised teams of Officers ranging in size from 3 to 15 in this role.

Senior Mortgage Underwriter

Homepoint Financial - Remote

April 2021 to May 2022

1. Reviewing, analyzing, and approving FHA mortgages. 2. Evaluating loans to ensure accuracy and completeness. 3. Review and collect all income and asset documentation - including financial statements, credit reports and applicable ratios(ie. debt ratios, loan to value) and other supporting documentation. 4. Prepare income worksheets.

5. Evaluate loan risk and make sound credit decisions, ensuring that loan meets the investor guidelines 6. Oversee processing and underwriting of the file to complete and close per timeline dates of the purchase contract.

Senior Mortgage Underwriter

Supreme Lending - Remote

September 2020 to April 2021

1. Reviewing, analyzing, and approving FHA mortgages. 2. Evaluating loans to ensure accuracy and completeness. 3. Prepare income worksheets.

4. Evaluate loan risk and make sound credit decisions, ensuring that loan meets the investor guidelines 5. Oversee processing and underwriting of the file to complete and close per timeline dates of the purchase contract.

Senior Mortgage Underwriter

LoanStream Mortgage - Remote

May 2020 to September 2020

1. Reviewed, analyzed, and approved FHA and conventional mortgages. Functions included reviewing financial statements, credit reports and applicable ratios (i.e. Debt ratios, loan to value) and other supporting documentation.

2. Evaluated loans to ensure accuracy and completeness. Senior Mortgage Underwriter

Keller Mortgage - Remote

September 2019 to May 2020

1. Reviewed, analyzed, and approved FHA and conventional mortgages. Functions included reviewing financial statements, credit reports and applicable ratios (i.e. Debt ratios, loan to value) and other supporting documentation.

2. Evaluated loans to ensure accuracy and completeness. Mortgage Consultant

M&M Mortgage

October 2018 to September 2019

Analyze borrower's needs and originate residential mortgages. Complete initial underwriting through DU on the web. Counsel borrowers on the lending process and keep those borrowers updated throughout the lending process. I have also become a great resource for all Originators in the office, because of my extensive underwriting background. Extensive community involvement to build and support my referral network.

Maintain past client database for future follow-up purposes. FHA/DE Senior Underwriter

Freedom Mortgage

February 2016 to April 2018

Remote)

Reviewing, analyzing, and approving FHA mortgages. Functions include reviewing financial statements, credit reports and applicable ratios (i.e. Debt ratios, loan to value) and other supporting documentation. Evaluating loans to ensure accuracy and completeness.

Keeping notes and loans organized without actual files since this is a paperless Company. FHA/DE Senior Underwriter

Nations Direct Mortgage

January 2015 to January 2016

Remote)

Reviewing, analyzing, and approving FHA and conventional mortgages. Functions include reviewing financial statements, credit reports and applicable ratios (i.e. Debt ratios, loan to value) and other supporting documentation. Evaluating loans to ensure accuracy and completeness.

Keeping notes and loans organized without actual files since this is a paperless Company. Senior Underwriter, MGIC(Contract)

MGIC

July 2014 to December 2014

I work on the contract underwriting team for MGIC which means that I underwrite mortgages for clients of MGIC who are in need of underwriting help due to a peak in business or a shortage of underwriters. Flexibility and the ability to learn new underwriting systems, company processes and guidelines quickly is a key to this position. I am expected to know the Fannie Mae and Freddie Mac guidelines very well and be able to quickly get comfortable with the company guidelines to begin underwriting mortgages with very little training on the software.

FHA/DE Senior Underwriter

Lakeview Loan Servicing, LLC

June 2013 to April 2014

Remote)

Reviewing, analyzing, and approving FHA and conventional mortgages. Functions include reviewing financial statements, credit reports and applicable ratios (i.e. Debt ratios, loan to value) and other supporting documentation. Evaluating loans to ensure accuracy and completeness.

Keeping notes and loans organized without actual files since this is a paperless Company. FHA/DE Senior Underwriter(remote)

Loan Simple, Inc

December 2012 to June 2013

Remote)

Reviewing, analyzing, and approving FHA and conventional mortgages. Functions include reviewing financial statements, credit reports and applicable ratios (i.e. Debt ratios, loan to value) and other supporting documentation. Evaluating loans to ensure accuracy and completeness. In this position I am also much more responsible for training processors and Loan Officers in the art of loan documentation since it is a remote position with Loan Officers all over the country who go through no formal training with Loan Simple. Many of the Loan Officers are very inexperienced as well as the processors whom they hire that may or may not have any experience. Keeping notes and loans organized without actual files since this is a paperless Company. FHA/DE Underwriter

Wells Fargo Home Mortgage

August 2010 to December 2012

Reviewing, analyzing, and approving FHA and conventional mortgages. Functions include reviewing financial statements, credit reports and applicable ratios (i.e. Debt ratios, loan to value) and other supporting documentation. Evaluate loans to ensure accuracy and completeness. Sr. Mortgage Consultant

AmRes Mortgage

October 2007 to September 2010

Analyze borrower's needs and originate residential mortgages. Complete initial underwriting through DU on the web. Counsel borrowers on the lending process and keep those borrowers updated throughout the lending process. Extensive community involvement to build and support my referral network. Maintain past client database for future follow-up purposes. Contract Underwriter

Manpower Professional(Wells Fargo)

June 2009 to August 2010

Reviewing, analyzing, approving and underwriting conventional mortgages. Functions include reviewing financial statements, credit reports and applicable ratios(i.e. Debt ratios, loan to value).

Sr. Mortgage Consultant

Trinity Mortgage

February 2007 to October 2007

Analyze borrower's needs and originate residential mortgages. Complete initial underwriting through DU on the web. Counsel borrowers on the lending process and keep those borrowers updated throughout the lending process. Maintain past client database for future follow-up purposes. Mortgage Banker

Community National Bank

September 2005 to February 2007

Analyze borrower's needs and originate mortgages. Complete initial underwriting through DU on the web. Counsel borrowers on the lending process and keep those borrowers updated throughout the lending process.

Loan Officer

River City Mortgage

September 2003 to September 2005

Originate first mortgages, underwrite files initially using DO, then converting loan to DU on the web for continued underwriting. Building

Realtor and other referral contacts, as well as counseling borrowers throughout the lending process. Lending Center Supervisor

Washington Mutual Bank

December 2001 to September 2003

Supervised and trained a staff of two processors & closers, 1 Staff Underwriter and temporary staff as needed. Processed and closed an average of 25 files at all times as well. Worked directly with Loan Officers and staff to develop new and more efficient processes to move loans through the pipelines.

Processor/Level 2 Underwriter and Tele-Sales

Wells Fargo Home Mortgage

April 1998 to September 2001

I started as a loan processor and worked my way up to a level 2 underwriter and was in the process of training to become a level 3 underwriter before I decided to go into the Sales department for the last year. While in the sales area I was given the chance to train a newly hired staff of about 30 to complete loan applications and do initial underwriting on new loans. I was chosen because of my extensive knowledge of the sales and underwriting processes. I also had underwriting authority to speed up the process. Assistant Branch Manager

TCF National Bank

March 1996 to April 1998

Education

Associate

Skills

• Mortgage Loan

• Cellular

Certifications and Licenses

NMLS #1796143

January 2019 to December 2019

Driver's License

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