K R I S T I N W R I G H T

S E N I O R U N D E R W R I T E R

Sacramento, CA 707-***-**** adyu1w@r.postjobfree.com

Multiple DPA certifications

Bond loans certification

Staff Appraisal Reviewer Certification (SARS) / LAPP

Direct Endorsement Underwriting Certification

California Housing Finance Agency Certification (CALHFA)

WISH

GSFA

C E R T I F I C A T I O N S

November 2019 – October 2022

Senior Underwriter • Goldwater Bank • Sacramento, CA

Managed Direct Endorsement, Veteran Affairs and Conventional loans

Highlights:

oAchieved highest Goldwater loan funding rate in FY2021 (totaling $273M+), averaging 72 loans per month.

oReceived 6 “Circle of Excellence” awards, recognizing performance exceeding industry benchmarks and corporate goals

June 2011 – November 2019

Senior Underwriter • Finance of America • Concord, CA

Managed Direct Endorsement and Veteran Affairs loans

Highlights:

oDeveloped enhanced workflow to decrease average loan processing time by 18% (4 days)

February 2009 – June 2011

Junior Underwriter • CMG Mortgage • San Ramon, CA

Assisted Senior Underwriters in the execution of Federal Housing Administration loans

Highlights:

oReceived 96% client satisfaction score on CMG performance survey

E D U C A T I O N —

Solano College – Fairfield, CA

K E Y S K I L L S —

Credit Risk Analysis

Financial Analysis

Auditing & Regulatory Compliance

Effective Communication

Creative Solutioning

S O F T W A R E —

Encompass

BytePro

Desktop Writer

Loan Prospector

Calyx Point

FHA Connection

VA Webology

Microsoft Office

E X P E R I E N C E

With a proven track record of effectively assessing loan applications and mitigating risk, I make informed decisions to ensure profitable outcomes for lending institutions. My expertise includes thorough financial analysis, meticulous attention to detail, effective collaboration with colleagues to achieve organizational objectives, and adherence to industry regulations. I am adept at evaluating creditworthiness, verifying documentation, and conducting comprehensive risk assessments. Seeking an underwriter position in an organization where I can continue to expand my skillset.

O B J E C T I V E

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