Carolyn Mcknight
Lawrenceville,GA
Summary
Dedicated Mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Experience in Government, various Conventional Program & a vast amount of State Bond Programs. DE, VA certified, active with both agencies.
Overview
8
8
years of professional experience
Work History
Sr Mortgage Underwriter
Supreme Lending
Lawrenceville, GA
05.2021 - 02.2022
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Sr Mortgage Underwriter
ARC Home Loans
Newark, NJ
05.2020 - 04.2021
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Sr Mortgage Underwriter
LoanDepot
Phoenix, AZ
12.2019 - 04.2020
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Sr Mortgage Underwriter
Caliber Home Loans
Austin, TX
07.2013 - 12.2019
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Education
Associate of Arts - Accounting And Finance
Miami Dade College
Miami, FL03.1979
Skills
- Automated Underwriting System (AUS) , which include FMMA and Freddie DU and LP
- Income Evaluation
- Attention to Detail
- Problem Solving
- Property Evaluation
- Verbal and Written Communication
- Sound Judgment
- Multitasking and Prioritization
- Customer Service
- Analytical and Critical Thinking
Timeline
Sr Mortgage Underwriter
Supreme Lending
05.2021 - 02.2022
Sr Mortgage Underwriter
ARC Home Loans
05.2020 - 04.2021
Sr Mortgage Underwriter
LoanDepot
12.2019 - 04.2020
Sr Mortgage Underwriter
Caliber Home Loans
07.2013 - 12.2019
Associate of Arts - Accounting And Finance
Miami Dade College