Carolyne M Martin
Killingly,CT
Summary
Detail-oriented Senior Mortgage Underwriter with extensive experience in customer engagement and satisfaction. Skilled in thoroughly reviewing complex applications and supporting documentation to ensure a seamless underwriting process. Consistently maintains pipelines and achieves quick turnaround times while effectively addressing individual customer needs. Experienced in risk assessment and underwriting processes, utilizing advanced analytical techniques to evaluate borrower profiles and ensure regulatory compliance, with a proven track record of upholding high standards in loan quality and decision-making.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
Allied Mortgage Group Inc
07.2024 - Current
- Underwriting product proficiency: Fannie Mae, Freddie Mac, FHA, USDA, Second Liens (manually underwritten), Non-QM (manually underwritten)
- Often selected to be part of new product and/or process trials within the company
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Verified integrity of applicants' information to minimize fraud.
- Balanced competing priorities and managed a high volume of work, consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality.
- Mitigated risks associated with loan approvals, conducting thorough due diligence on borrower profiles and property valuations.
- Maintained mortgage program compliance with federal agencies such as HUD, and FNMA.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
Regional Mortgage Operations Manager New England
Allied Mortgage Group Inc
01.2019 - 06.2024
- Continuously monitor pipeline momentum in accordance with sales projections monthly
- Provided exceptional customer service during all stages of the loan process, from initial inquiry through closing documentation review.
- Promote team relationships across sales and operations
- Analyze processor performance monthly
- Deliver education and training for all policies and procedures to ensure staff has knowledge, skills and resources needed to execute their responsibilities
- Enhanced customer satisfaction through effective communication and problem-solving strategies.
- Spearheaded process improvements initiatives, resulting in reduced processing times for loan applications without sacrificing quality or accuracy.
- Developed training programs for new hires, fostering a collaborative environment and promoting professional growth.
- Conducted regular audits of mortgage files, safeguarding against errors or discrepancies that could lead to financial loss or legal issues.
Senior Mortgage Loan Processor
Total Mortgage Services, LLC
08.2018 - 01.2019
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Consistently met or exceeded monthly performance metrics, contributing to overall team success in achieving departmental goals.
Mortgage Processing Manager
Residential Mortgage Serivces, Inc
05.2016 - 08.2018
- Reduced loan approval times by maintaining strong relationships with underwriters, appraisers, and other industry professionals.
- Supervised the completion of accurate loan disclosures within required timeframes, ensuring compliance with regulatory requirements.
- Developed comprehensive training programs for new mortgage processing staff, improving overall team performance.
- Served as a liaison between mortgage processing team and other departments, fostering collaboration to achieve company goals.
- Managed a high-volume pipeline of loans while maintaining strict attention to detail and prioritizing tasks effectively.
- Managed a team of mortgage processors, ensuring accuracy and timeliness in all stages of the loan process.
Licensed Mortgage Loan Processor
Primary Residential Mortgage Inc
04.2015 - 04.2016
- Ensure proper disclosure from application to closing
- Adhere to all Federal and State compliance guidelines
- Process files from loan submission through closing
- Manage revolving pipeline of approximately 45 loans, 98% purchase transactions
- Communicated with originator and applicant concerning progress of loan file.
Loan Analyst
Eastern Savings Bank
06.2014 - 04.2015
- Analyze and pre-underwrite all consumer loans and residential mortgages
- Ensure proper disclosure from application to closing
- Adhere to all Federal and State compliance guidelines
- Maintain appraisal general ledger and assignment rotation
- Manage pipeline reporting requirements for monthly board presentation
Branch Manager
Primary Residential Mortgage Inc
03.2008 - 06.2014
- Schedule and assign office staff to individual tasks and overall roles
- Organize all operations, determine staff pay and raises
- Developed all office procedures
- Trained sales and operations staff
- Liaison between sales and operations staff
- Performed daily maintenance of the loan application database
- Evaluate borrowers for risk and financial stability
- Adhere to all federal and state compliance guidelines for mortgage lending
- Maintain thorough knowledge of product offerings in order to accurately answer all questions and effectively recommend correct offerings to sales staff and borrowers
Loan Officer
Simsbury Bank
03.2012 - 08.2012
- Market lending products to private clients and commercial entities
- Present appropriate loan programs based on needs and eligibility
- Analyzed applicant's financial status, credit and property evaluation to determine feasibility of granting loans
- Executed the loan origination process, including ordering credit reports, appraisals, preliminary title reports, insurance information and flood certificates
Owner
Advantage Mortgage Services, LLC
01.2000 - 03.2008
- Developed marketing strategies
- Cultivated lender/broker relationships for loan product offerings
- Residential mortgage loan origination
- Oversaw processing and pre-underwriting of mortgage loan files
- Problem solver for all issues that arose between clients, sales or operations staff
- Handled all staff increases or decreases including initial pay rates, pay raises and employee reviews
- Created general office procedures, mortgage processing procedures and customer service procedures
Education
No Degree - Accounting
Central Connecticut State University
New Britain, CT, USASkills
- Underwriting Expertise
- Non-QM loan assessment
- Manual risk assessment
- Application analysis
- Collateral evaluation
- AI-driven risk assessment
- Financial analysis proficiency
- Fraud detection
- Service Minded
- Problem-solving abilities
- Automated underwriting system (AUS)
Additional Information
- LICENSES HELD: Licensed mortgage loan officer, State of Connecticut SAFE act compliant
Affiliations
Connecticut Mortgage Bankers Association
Certification
- NMLS Licensed Loan Originator - State of Connecticut and State of Massachusetts 20+ years
- HUD Delegated Underwriter
Timeline
Senior Mortgage Underwriter
Allied Mortgage Group Inc
07.2024 - Current
Regional Mortgage Operations Manager New England
Allied Mortgage Group Inc
01.2019 - 06.2024
Senior Mortgage Loan Processor
Total Mortgage Services, LLC
08.2018 - 01.2019
Mortgage Processing Manager
Residential Mortgage Serivces, Inc
05.2016 - 08.2018
Licensed Mortgage Loan Processor
Primary Residential Mortgage Inc
04.2015 - 04.2016
Loan Analyst
Eastern Savings Bank
06.2014 - 04.2015
Loan Officer
Simsbury Bank
03.2012 - 08.2012
Branch Manager
Primary Residential Mortgage Inc
03.2008 - 06.2014
Owner
Advantage Mortgage Services, LLC
01.2000 - 03.2008
No Degree - Accounting
Central Connecticut State University