Kima Ortiz

Reseda, CA ***** • 469-***-**** • adzy00@r.postjobfree.com

Professional Summary

Meticulous and detail-oriented professional with communication skills to connect with clients and understand and meet needs. Displays expertise with team cohesiveness from different disciplines to coordinate and uses knowledge to vigorously advocate for customers. Develops optimal strategies for organization and delivering projects on schedule.

Work History

VA/FHA/ Conventional Underwriter, 09/2021 to 04/2022

Interlink Mortgage – Remote, TX

Performed final approvals and reviewed 100's of loan files through verifications process including adherence to multiple builders, investor and FHA/VA guidelines and compliance with 98% accuracy rate

Enhanced quality control standards improving production compliance and reducing number of loan rejections

Partnered with business customers to improve gaps in understanding of intake and updating requirement documents for more efficient completion of applications

Reviewed non-conforming loans for credit, assets and income worthiness including self - employed borrowers and loans held in LLC and trusts

Analyze new construction documents, title, appraisal, and NOV for accuracy

Confirmed all government documentation in files including all DU findings and FHA/VA disclosures.

VA/FHA/Conventional Underwriter, 12/2020 to 08/2021

Guild Mortgage – Remote, TX

Risk assessment for income/credit analysis and documentation review

Assist mortgage loan personnel with product guidelines, required loan documents and approval conditions.

Implemented teaching cycle for incoming underwriters teaching them knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages reducing new hire ramp up time by 25%

Work collaboratively with team members to drive 1+ million dollar deals to successful closing and funding

VA/FHA/Conventional Underwriter, 11/2019 to 11/2020

Caliber Home Loans – Remote, TX

Underwrote FHA, VA, and conventional refinance loans of credit applications within SLA

Applied established guidelines of government agencies and second market investors to determine credit worthiness of borrower

Working knowledge of underwriting criteria utilized by FHA, VA and Conventional financing guidelines set forth by FNMA

Examined loan file documentation to determine acceptability of borrower's credit histories, adequacy of liquid assets and financial capacity in relation to loan requests.

VA/FHA/ Underwriter, 11/2016 to 08/2019

Mr. Cooper/Nationstar Corporation – Remote, TX

Calculated income based on investor guidelines

Reviewed appraisal ensuring that appraisal meets all guidelines

Ensured that loan was properly notated, and all findings documented

Maintained 6-8 loans daily while averaging 95% accuracy for all qualified loans

Skills

Impact Assessment

Report Preparation and Presentation

Performance Improvement

Critical Thinking

Product Recommendations

Performance Evaluation and Optimization

Team Member Development

Requirements Specifications

Education

Human Service/Management, 2015

University of Phoenix - Dallas, TX