Mortgage Appraisal Operations & Compliance Specialist

KEARA WATERS

Maineville, OH 513-***-**** ***************@*****.***

LinkedIn: linkedin.com/in/keara-waters-49051076

FINANCIAL SERVICES MORTGAGE OPERATIONS BANKING

PROFESSIONAL SUMMARY

Financial services professional with 12+ years of experience across banking, mortgage operations, customer service, insurance, and administrative support, including 10+ years in mortgage lending and appraisal operations. Experienced in reviewing complex documentation, regulatory compliance, customer and partner communication, and high-volume workflow management. Consistently meets or exceeds production expectations while maintaining accuracy and service quality.

CORE SKILLS

Mortgage Operations • Loan Processing Support • Appraisal Review • Mortgage Compliance • Loan Documentation • Customer Relationship Management • Banking Operations • Administrative Support • Process Improvement • Microsoft Office • CRM Systems • Financial Recordkeeping

PROFESSIONAL EXPERIENCE

U.S. Bank Appraisal Reviewer I

October 2018 – Present

Review residential appraisals for accuracy, completeness, USPAP standards, investor guidelines, internal policies, and regulatory requirements.

Consistently maintain production performance ranging from 90%–159% while managing high-volume, detail-sensitive workflows.

Coordinate appraisal orders, approve fee exceptions, resolve valuation concerns, and support required turnaround times.

Partner with lenders, appraisal management companies, vendors, and internal teams to resolve complex issues and keep mortgage transactions moving efficiently.

SpringHill Suites & TownePlace Suites by Marriott Front Desk Associate

October 2024 – February 2026

Managed reservations, guest accounts, payments, bookkeeping, multi-line phones, and customer concerns in a fast-paced hospitality environment.

Tata Consultancy Services Appraisal Coordinator / Mortgage Customer Service Representative

August 2016 – October 2018

Reviewed purchase contracts and mortgage documentation and coordinated communication among loan officers, processors, underwriters, appraisers, and borrowers.

Assisted customers with refinance inquiries, mortgage options, and documentation while identifying discrepancies that could delay loan processing.

ADDITIONAL EXPERIENCE

UnitedHealthcare Licensed Medicare Insurance Agent 2014–2016

Verizon Wireless Administrative Assistant 2011–2014

EDUCATION

Southern New Hampshire University — B.S. Business Administration, Finance Concentration In Progress

Colorado Technical University — A.S. Business Administration 2017

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