Open To Work
Amy Kulinski
Milwaukee,WI
Summary
Detail‑oriented mortgage professional with exceptional communication and time‑management skills. Proven ability to manage multiple priorities efficiently in fast‑paced environments. Demonstrate strong expertise in credit analysis and client relationship management, streamlining complex loan workflows while maintaining strict adherence to underwriting guidelines and regulatory standards.
Overview
23
23
years of professional experience
2
2
Certifications
Work History
Sr Loan Officer
Northwestern Mutual Credit Union
Milwaukee, WI
07.2025 - Current
- Respond promptly and accurately to inquiries from members regarding their accounts and services offered by the credit union.
- Maintain knowledge of available loan products, processing procedures and underwriting guidelines.
- Process loan requests by coordinating the acquisition of credit reports, appraisals, and preliminary title reports.
- Evaluate loan applications to extend underwriting approvals or denials based on detailed document review.
- Comply with federal and state regulations concerning consumer and mortgage lending.
Loan Origination Assistant/Loan Processor
Cherry Creek Mortgage (dba Guild Mortgage Co)
Germantown, WI
03.2018 - 07.2025
- Reviewed clients for creditworthiness and loan preapproval.
- Built relationships with clients, internal and referral partners to support lending and sales growth.
- Proficient with LOS software and CRM tools to ensure timely updates and exceed monthly targets
- Communicated with customers daily to request information and monitor key dates to obtain information by deadlines.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Assisted loan officers with origination and closing processes to Fastrack procedures and promote teamwork.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
Licensed Benefits Counselor
Mercer Employee Benefits Center
Milwaukee
06.2017 - 03.2018
- Managed a high volume of daily inbound calls from clients and families, assisting with claims, benefits selection, and approval processes.
- Demonstrated mindfulness and proactively resolved coverage conflicts, ensuring accurate benefit provision.
- Explained benefits to plan participants in easy-to-understand terms in order to educate each on available options.
- Observed strict procedures to maintain data and plan participant confidentiality.
- Checked employees' benefits enrollment for accuracy and inputted all data into [Software].
Independent Agent
Healthcare Solutions Team
Milwaukee
12.2016 - 08.2017
- Collaborated with clients and insurance providers to resolve coverage issues and handle escalations, using critical thinking skills to secure comprehensive client coverage.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
- Evaluated customer needs and feedback to drive product and service improvements.
- Informed clients of policies and procedures.
Customer Relations Manager/Mortgage Loan Processor
JPMorgan Chase & Co
Milwaukee
10.2009 - 01.2014
- Sustained high-capacity pipeline of time-sensitive accounts by prioritizing tasks and managing time efficiently to ensure client needs addressed.
- Managed escalated service concerns adeptly, preserving customer loyalty.
- Facilitated communication between clients and various departments.
- Managed multiple loan files simultaneously while maintaining quality standards.
- Analyzed and validated borrowers' income, credit reports, and property appraisals to ensure accurate underwriting documentation.
- Oversaw progress of each loan application from initiation to completion ensuring timely fulfillment.
- Communicated updates to customers about loan status during processing phase.
Regional Sales Manager
GB Home Equity
Milwaukee
01.2003 - 06.2008
- Guided sales representatives in boosting performance and deepening product knowledge.
- Delivered insightful recommendations to management regarding product offerings based on customer feedback.
- Cultivated relationships with key accounts through personal visits and phone calls.
- Guaranteed adherence to company policies and procedures.
- Managed customer inquiries efficiently and escalated concerns when appropriate.
- Sustained precise records of all sales activities.
Education
Associate of Science - Business Administration and Management
American InterContinental University
Schaumburg, IL09-2016
Skills
- Problem-solving skills
- Effective communication
- Credit analysis and evaluation
- Team collaboration
- Time management
- Proficiency in Encompass and Desktop underwriter
- Customer relationship management
- Loan processing and servicing
- Critical thinking
- Documentation review and loan file assessment
- Quality control
- Detailed Oriented
- Knowledgable in RESPA and other compliance
- CRM software
Certification
NMLS Certification
Mortgage Originations License
Accomplishments
- Achieved Top Processor Award by completing loans with accuracy and efficiency.
- Received “Top Producer” sales award in 2004-2007.
- Awarded 5-Keys of Excellence for excellent customer service.
References
References available upon request.
Work Preference
Job Search Status
Open to workWork Type
Full TimeLocation Preference
RemoteSalary Range
$27/hr - $30/hrTimeline
Sr Loan Officer
Northwestern Mutual Credit Union
07.2025 - Current
Loan Origination Assistant/Loan Processor
Cherry Creek Mortgage (dba Guild Mortgage Co)
03.2018 - 07.2025
Licensed Benefits Counselor
Mercer Employee Benefits Center
06.2017 - 03.2018
Independent Agent
Healthcare Solutions Team
12.2016 - 08.2017
Customer Relations Manager/Mortgage Loan Processor
JPMorgan Chase & Co
10.2009 - 01.2014
Regional Sales Manager
GB Home Equity
01.2003 - 06.2008
Associate of Science - Business Administration and Management
American InterContinental University