Mortgage Underwriter

Kylle Hall

**** ***** ***** **, *******, GA *****

202-***-**** · **********@*****.***

I HAVE ACHIEVED

** ***** ******** ******* ********** related to all aspects of operations, sales, underwriting, pipeline management, processing and closing.

12 years underwriting experience with FHA/DE/CHUMS and VA/LAPP/SAR certifications,

Top underwriting producer over the past 10 years, zero defaults.

A strong work ethic and organizational skills with the capacity for multitasking, meeting critical deadlines and an effective liaison to all levels of management and staff

Exceptional communication and interpersonal skills, high quality customer service vital to capturing repeat and referral business

Consistent High Scoring Annual Performance Reviews.

Always demonstrated willingness to learn and undertake new responsibilities.

An understanding that people like to buy/do business with people they like. PROFESSIONAL EXPERIENCE

First Federal Bank (formerly CBC National Bank), Atlanta, GA Senior Underwriter 2014-2024

Job responsibilities: Underwrite FHA, VA, Conventional, ARM, MFH loans for purchase. Review all documentation from clients to determine if loan is a good investment for FFB. Verify income and employment, review credit history, and scrutinize assets and liabilities. Review automated underwriting systems through DU/LP. Review all aspects of appraisal, title, and hazard, requesting more information if needed. Responsible for liaison between both internal and external customers. BB&T Correspondent Lending, Atlanta, GA

Underwriter III 2013-2014

Job responsibilities: Review USDA, FHA, VA, and conventional loans for purchase. Review all documentation from correspondent lender to determine if loan is a good investment for BB&T. Verify income and employment, review credit history, and scrutinize assets and liabilities. Review automated underwriting systems through DU/LP. Review all aspects of appraisal, title, and hazard, requesting more information if needed. Responsible for liaison between both internal and external customers. Matt Martin Real Estate Management, Arlington, VA

Vendor Manager 2011- 2012

Job Responsibilities: Managing and growing a long-term relationship with real estate agents, appraisers, closing attorneys, and business owners. Providing the management team with ideas to improve the development of new software. Responsible for developing and delivering successful strategies to maximize dealers’ sales growth. Maintains direct working relationships with existing vendor base to support current and future business needs. Accountable for achieving sales volume in assigned territory, and handling transactions associated with supporting vendor business. Monitors and analyzes dealer trend reports, rolling report and daily sales reports. Communicating with Business Development Director and Business Development Management team. Executive Asset Management Fannie Mae Team, Atlanta, GA Asset Manager Team Lead/Corporate Trainer for Fannie Mae Guidelines 2008-2011 Job Responsibilities: Managing a team a team of 8. Directed Staff Supervision, Training & Motivation, providing individual performance evaluations quarterly. Managing problem solving and public relations between the company and Fannie Mae. Ensuring my team used and delivered the Fannie Mae program to its full effect. Pull and analyze reports daily for new properties, listed properties, properties under contract, and closings. Providing coaching, mentoring, and recommendation with ideas for performance improvement. Motivating team to achieve daily/monthly/quarterly/yearly goals. Developed training materials and hosted webinars, as well as facilitate training classes. Oversee implementation of my Team. Option One Mortgage Corporation, Atlanta, GA

Account Manager III, Team Lead, Subject Matter Expert / Instructor, Captive Branch in Pune, India 2004-2008 Job Responsibilities: Travel to our captive branch in Pune, India every 3 months to facilitate underwriting training for all new associates. Develop and enhance training materials to adhere to Option One and H&R Block guidelines. Facilitated training as well as tested all new associates. Supervised staff provided motivation and new learning materials, as well as troubleshooted any floors issues. Provide individual performance evaluations monthly with coaching/mentoring. Motivate team to reach underwriting goals given by management. Maintaining weekly calls with corporate office. Responsible for all underwriting files prior to distribution. Liaison between Option One, real estate agents, appraisers and closing attorneys. Maintain department performance program given by Corporate Branch. Pull and analyze reports daily for new loans, listed properties, properties under contract, and closings.

Wilmington Finance, Inc., Atlanta, GA

Mortgage Processor III 2002-2004

Job Description: Receive the loan from data entry, underwrite for accuracy, and make sure all stipulations are collected prior to closing. Complete knowledge in reviewing credit, assets, liabilities, title reports, insurance, proof of residence, appraisals, and any other stipulations needed. Input all loan information efficiently and accurately into system. Responsible for ensuring all loan documentation complies with our investor’s policy. Ensured high quality customer service vital to capturing repeat and referral business. Top performer each month and trains any new hire asset managers if needed. Perform any additional duties/activities assigned by management.

EDUCATION

Bachelor of Science - Business Administration-International Business Elon University, Elon, NC

1998- 2002

3.6 GPA

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