Kimberley Shoulder

Tampa, Florida

708-***-****

Kimberleyshoulder@yah

oo.com

PROFESSIONAL EXPERIENCE:

FIRSTSOURCE MORTGAGE 9/2020 – 5/2023

AE Wholesale / Loan Processor (Remote F/T)

Processes mortgage loan applications for submission to underwriting. Works on clearing conditions and closes loans prior to purchase agreement expiration date. Essential Functions:

● Upon loan approval, review DO/LP findings and prior to closing coordinate with Loan Officer to ensure all conditions are cleared and customer experience is uninterrupted.

● Order appraisal through Appraisal Firewall system. Order appraisal accordingly.

● Update pipeline and enter tracking data in Encompass system to track and follow-up on files submitted to underwriting; including dates of contract to ensure that loan decisions are timely.

● Provide a commitment letter, counteroffer, or adverse action notice in accordance with regulatory requirements, indicating any conditions required on the Notice of Loan Approval (NOLA).

● Process and order all necessary application and closing documents, including but not limited to, payoff information, survey, insurance, condominium questionnaires, subordination requests, flood certification, verification of employment/assets, completes title commitment review, and coordinates to ensure accuracy.

● Complete Change of Circumstance documents and coordinate closing with the LO’s and title company.

● Once clear to close, review files for completeness, to include receipt of payoff and insurance information, verification that all conditions have been satisfied, title requirements have been met and rate expiration dates allow for adequate processing time.

● Complete closing package provides loan officer with preliminary closing figures to be reviewed.

● Compare loan estimate to closing disclosure and determine if any TRID tolerance violations and/or cost to cure calculations exist.

● Computer Proficiencies: EPIC, XDOC, Loancare, Insight, Tableau, Microsoft Teams, Calyx Pointe & Encompass

A AND N MORTGAGE 3/2020 – 8/2020

Forensic Underwriter (Contract)

● Determine problems with loans

● Evaluate failed risk assessments, investigate fraud, and make recommendation

● Examine loan documents and disclosures that is performed to uncover possible lender overcharges that are caused by miscalculations of interest charges, monthly payments, amortization, or loan balance

● Would recommend forcing a loan modification or rescind the loan altogether INTERFIRST MORTGAGE 01/2020 – 03/2020

Senior Underwriter (Contract)

● Evaluate financial strength of borrowers to determine risk and repayment capacity

● Knowledge of loan products to help restructure denied loans for subsequent approvals

● Maintain compliance with lending, government, and underwriting requirements

● Follow through with borrowers, loan processors, loan originators, and management throughout the entire underwriting process

● Credit and income analysis, cash flow analysis, LTV, and DTI ratios PREMIER MORTGAGE FUNDING, INC, 12/1999 – 01/2020

Mortgage Underwriter Mortgage Underwriter:

Promoted within 8 months of initial hire to provide underwriting services within large, full- service regional mortgage lender offering both conventional and government loan programs.

● Results: Balanced the need for loan- volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability.

● Achieved the second highest loan funding rate (totaling 12.8 M. in FY 2011) among a 14- member underwriting team.

● Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting FHA, VA, and Fannie Mae loans.

● Provided meticulous attention to detail in underwriting mortgage. Evaluated the financial strength of borrowers to determine risk and repayment capacity.

● Leveraged knowledge of loan products to help restructure turned down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements.

● Demonstrated excellent follow through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process. Lending and Underwriting Guidelines, Credit & Income Analysis, Cash Flow Analysis, Risk Management Assessment, Loan-to

-Value Ratios / Debt -to- Income Ratios, Conventional & Government Mortgages, Conforming & Non-Conforming Loans, ARMs, Loan Closing, Funding & Documentation, Account Service Excellence

EDUCATION / CERTIFICATIONS:

Bachelor of Finance, Real Estate, DePaul, Chicago, IL

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