Beth Cochran
Hebron
Summary
Dynamic Underwriting Manager with a proven track record at Kind Lending, excelling in risk assessment and team leadership. Spearheaded initiatives that improved quality scores by 60%, while developing training programs that enhanced operational efficiency. Expertise in FHA, VA, and Conventional lending, coupled with strong communication skills, drives successful loan processing and customer satisfaction.
Overview
9
9
years of professional experience
Work History
Underwriting Manager
Kind Lending
Santa Ana
04.2025 - Current
- Managed underwriting processes to evaluate risk and determine loan eligibility.
- Collaborated with sales teams to ensure smooth loan processing and customer satisfaction.
- Developed underwriting policies to streamline operations and enhance decision-making efficiency.
- Identified areas of improvement within the organization's underwriting department.
- Assisted in the development of training materials for new hire underwriters.
- Prepared presentations outlining current credit risk management initiatives for executive review.
- Analyzed credit risk data to identify potential financial threats.
- Facilitated discussions with senior management on strategic risk initiatives.
Regional Underwriting Manager
The Lender
11.2023 - Current
- Manager of Underwriting division, direct reports -35
- Working aside COO on new product development-6 new product 2024
- Improved Quality scores by 60%
- Management of interal/external credit guides, matrices and company polices.
- Extensive background in NON-QM, FHA, VA, USDA, Commerical, and Conventional
- Direct relationship with investors on product development
- Design and implement training programs for onboarding and continued growth for employees
- Partner with risk/QC departments to ensure remediation of any loan defects
- Wholesale envirnoment, excellent communication with sales,sales managers, customers (brokers), teams (peers) to ensure successful process of loan.
Director- Underwriting Manager
Homepoint
09.2020 - 10.2021
- Management of 20 underwriters
- Streamline underwriting processes for diverse portfolio of VA, FHA, and Conventional
- Coached and mentoring underwriters to keep within expected SLA's
- Sharp focus on quality and efficiency
- Extensive background in Conventional, FHA, USDA and VA.
- Wholesale environment, excellent comminucation with sales partners and brokers, giving 1solutions and product knowledge.
- (laid off)
Regional Operations Manager
Northwest Bank
12.2019 - 09.2020
- Management of 25 employees
- Increased productivity of mortgage underwriting team of 55%
- Liaison between sales and operations
- Risk management to ensure all loan defects are cured
- Assisted in role out of operations center, management employee scorecards
- Extensive background in Conventional, FHA, USDA,NON QM and VA.
- Encompass expert
- Retail envirnonment, excellent communication with sales to partner with operations to be successful team
Underwriting Manager
American Financial Network
10.2016 - 10.2018
- Management of 8 underwriters
- Extensive background in Conventional, FHA and VA.
- Liaison between sales and underwriting
- Maintain quality and SLA's expectations
- Effective communication between teams and design and implement training to improve efficiency
- Expert in encompass and Optimal Blue software
- Retail environment, excellent communication with sales parnters/giving solutions/product knowlege guidance.
- (laid off)
Education
Fundamentals of Change Management -
Quantum Consultants
01.2023
Associates - Art in Hotel, Tourism and Event Management
Columbus State Community College
01.2016
Skills
- Risk assessment and analysis
- Underwriting policies
- Training program development
- Quality control
- Customer relationship management
- Team leadership and building
- Credit risk management
- Communication skills
- NON QM Lending
- FHA/VA/USDA
- Conventional lending
Timeline
Underwriting Manager
Kind Lending
04.2025 - Current
Regional Underwriting Manager
The Lender
11.2023 - Current
Director- Underwriting Manager
Homepoint
09.2020 - 10.2021
Regional Operations Manager
Northwest Bank
12.2019 - 09.2020
Underwriting Manager
American Financial Network
10.2016 - 10.2018
Fundamentals of Change Management -
Quantum Consultants
Associates - Art in Hotel, Tourism and Event Management
Columbus State Community College