Charlene Karalis

Work History

Treasurer

Annunciation Philoptochos Society

06.2021 - Current

Plan and manage annual budgets, tracking expenses, and investigating discrepancies to maintain optimal controls.
Prepared and presented financial reports to inform board and members.
Drafted treasury reports to support management decision-making needs.
Coordinated with external auditors to enforce compliance with financial regulations and standards.
Executed financial due diligence tasks on daily basis to maintain optimal company finances.
Provide treasury and cash management by overseeing reconciliation of banking activity, credit card processing, and sales tax returns.
Create and distribute reports on internal and external finances, audits, and budgets.
Complete journal entries, reconciliations, and account analysis to prepare monthly financial documents and general account management.
Manage budgets, assets, portfolios, accounts payable, and receivable and general financial reporting procedures.
Review documents and data to give accurate presentations and forecasts to board and members.

Sr. Underwriter

Atlantic Bay Mortgage

07.2019 - 04.2023

Underwrote purchases and refinances for FHA, VA, USDA, Conventional, and VHDA Housing
Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Made approval and denial recommendations by determining accurate risk levels.
Analyze loan documents (credit reports, income documentation, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract, etc.) for accuracy and completeness and deliver valid credit decisions
Detailed in loan approval rationale including income and asset calculations clearly noted
Conduct timely review and clearing of conditions/stipulations on files returned for review
Provide timely and thorough responses to individual pre-funding audits, investor audits, and Review Desk responses to declines.
Maintain company turn time expectations
Ability to assess individual’s creditworthiness while adhering to all regulatory and compliance requirements
Maintain current level of knowledge on all requirements by consistently researching and reviewing applicable guidelines, program updates, credit overlays and changes
Review Collateral to ensure that it meets specific agency guidelines.
Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.

Concession Stand Server

Live Nation/Veterans United

03.2019 - 10.2019

Setting up stand to ensure customer has everything needed during events
Provide customer service to customer with concession items during event
Served food to patrons, operated cash register, accepted payment and made change, cleaned work area, and prepared cash balances at end of shift
Served drinks and snacks to patrons, maintaining professionalism, and supporting individual needs.
Prepared and served variety of drinks and food to customers
Rang up charge, accepted payment and made change
Refilled condiment containers., Provide support to loan officer and underwriting teams by ensuring timely, judicious, and accurate processing of mortgages
Served food and beverages promptly with focused attention to customer needs.
Worked with POS system to place orders, manage bills, and handle complimentary items.
Maintained clean, organized workspace according to operational standards.

Sr. Underwriter

OVM Financial

03.2017 - 06.2019

Underwrote purchases and refinances for FHA, VA, USDA, Conventional, and VHDA Housing
Analyze loan documents (credit reports, income documentation, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract, etc.) for accuracy and completeness and deliver valid credit decisions
Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Made approval and denial recommendations by determining accurate risk levels.
Detailed in loan approval rationale including income and asset calculations clearly noted
Conduct timely review and clearing of conditions/stipulations on files returned for review
Provide timely and thorough responses to individual pre-funding audits, investor audits, and Review Desk responses to declines.
Maintain company turn time expectations
Ability to assess individual’s creditworthiness while adhering to all regulatory and compliance requirements
Maintain current level of knowledge on all requirements by consistently researching and reviewing applicable guidelines, program updates, credit overlays and changes
Review Collateral to ensure that it meets specific agency guidelines.
Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.

Mortgage Underwriter

Movement

05.2016 - 02.2017

Underwrote purchases and refinances for FHA, VA, USDA, Conventional, and VHDA Housing
Analyze loan documents (credit reports, income documentation, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract, etc.) for accuracy and completeness and deliver valid credit decisions
Detailed in loan approval rationale including income and asset calculations clearly noted
Conduct timely review and clearing of conditions/stipulations on files returned for review
Provide timely and thorough responses to individual pre-funding audits, investor audits, and Review Desk responses to declines.
Maintain company turn time expectations
Ability to assess individual’s creditworthiness while adhering to all regulatory and compliance requirements
Maintain current level of knowledge on all requirements by consistently researching and reviewing applicable guidelines, program updates, credit overlays and changes
Review Collateral to ensure that it meets specific agency guidelines.
Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.

Processor

George Mason Mortgage

05.2014 - 04.2016

Provided comprehensive loan packages for mortgage underwriters for approval or denial
Worked with underwriters and borrowers to resolve outstanding issues that arise
Ordered property and loan documentation as necessary for each file verification of employment, evidence of insurance, payoffs, tax transcripts, credit supplements, condo questionnaires, subordination requests, and title work to ensure smooth loan process
Profound experience in verifying and validating loan information and submission to underwriters
Highly skilled in following processes and procedures that need to be considered while maintaining liaison with loan originators and customers
Tracking loan application from its inception point to it maturity
Collecting statistical data and preparing relevant periodical reports
Proficient in managing between 35-50 loans efficiently
Excellent computer skills including MS Word, Excel, and different loan processing software
Troubleshoot issues related to credit report, surveys and appraisals
Review and verify borrower’s income, credit reports, employment histories, & property appraisal information to prepare loan applications for underwriting submittal.
Received and reviewed incoming documents and materials.
Entered data into computer tracking system and filed paperwork according to procedures.
Interacted regularly with peers and management to pursue continuous improvement of facility operations and promote teamwork-focused environment.

President

Annunciation Philoptochos Society

06.2011 - 06.2013

Develops strategies and plans in accordance with Mission's short and long-term programs and campaigns
Closely monitors success of fundraising to meet current approved budget, fundraising events meet revenue targets and strategic goals.

Underwriter

Fulton Mortgage Company

09.2007 - 05.2013

Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Made approval and denial recommendations by determining accurate risk levels.
Underwrote purchases and refinances for FHA, VA, USDA, Conventional, and VHDA Housing
Analyze loan documents (credit reports, income documentation, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract, etc.) for accuracy and completeness and deliver valid credit decisions
Detailed in loan approval rationale including income and asset calculations clearly noted
Conduct timely review and clearing of conditions/stipulations on files returned for review
Provide timely and thorough responses to individual pre-funding audits, investor audits, and Review Desk responses to declines.
Maintain company turn time expectations
Ability to assess individual’s creditworthiness while adhering to all regulatory and compliance requirements
Maintain current level of knowledge on all requirements by consistently researching and reviewing applicable guidelines, program updates, credit overlays and changes
Review Collateral to ensure that it meets specific agency guidelines.
Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.

Processor/ Processing Supervisor

Fulton Mortgage Company

09.2007 - 05.2013

Profound experience in verifying and validating loan information and submission to underwriters
Highly skilled in following processes and procedures that need to be considered while maintaining liaison with loan originators and customers
Tracking a loan application from its inception point to it maturity
Collecting statistical data and preparing relevant periodical reports
Proficient in managing between 35-50 loans efficiently
Excellent computer skills including MS Word, Excel, and different loan processing software
Troubleshoot issues related to credit report, surveys, and appraisals
Review and verify borrower's income, credit reports, employment histories, & property appraisal information to prepare loan applications for underwriting submittal
Ensure compliance with the company policies, underwriting guidelines, and lending program requirements.
Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
Supervised team members to confirm compliance with set procedures and quality requirements.
Worked with team to identify areas of improvement and devised solutions based on findings.
Built strong relationships with customers through positive attitude and attentive response.
Established open and professional relationships with team members to achieve quick resolutions for various issues.
Conducted training and mentored team members to promote productivity, accuracy, and commitment to friendly service.

Sr. Underwriter

American Home Mortgage Company

04.2002 - 08.2007

Underwrote purchases and refinances for FHA, VA, USDA, Conventional, and VHDA Housing
Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Made approval and denial recommendations by determining accurate risk levels.
Analyze loan documents (credit reports, income documentation, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract, etc.) for accuracy and completeness and deliver valid credit decisions
Detailed in loan approval rationale including income and asset calculations clearly noted
Conduct timely review and clearing of conditions/stipulations on files returned for review
Provide timely and thorough responses to individual pre-funding audits, investor audits, and Review Desk responses to declines.
Maintain company turn time expectations
Ability to assess individual’s creditworthiness while adhering to all regulatory and compliance requirements
Maintain current level of knowledge on all requirements by consistently researching and reviewing applicable guidelines, program updates, credit overlays and changes
Review Collateral to ensure that it meets specific agency guidelines.
Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.

Processor/ Processing Team Leader

American Home Mortgage Company

04.2002 - 08.2007

Profound experience in verifying and validating loan information and submission to underwriters
Highly skilled in following processes and procedures that need to be considered while maintaining liaison with loan originators and customers
Tracking loan application from its inception point to it maturity
Collecting statistical data and preparing relevant periodical reports
Proficient in managing between 35-50 loans efficiently
Excellent computer skills including MS Word, Excel, and different loan processing software
Troubleshoot issues related to credit report, surveys, and appraisals
Review and verify borrower's income, credit reports, employment histories, & property appraisal information to prepare loan applications for underwriting submittal
Ensure compliance with company policies, underwriting guidelines, and lending program requirements.
Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
Supervised team members to confirm compliance with set procedures and quality requirements.
Worked with team to identify areas of improvement and devised solutions based on findings.
Built strong relationships with customers through positive attitude and attentive response.
Established open and professional relationships with team members to achieve quick resolutions for various issues.
Conducted training and mentored team members to promote productivity, accuracy, and commitment to friendly service.

Mortgage Loan Officer

Hampton Roads Funding Corporation

01.2000 - 04.2002

Develop and maintain contact with business referral sources
Follow up on new and existing mortgage opportunities
Interview and assist loan applications with process
Obtain and evaluate pertinent documents including reports and appraisals
Achieve preset production goals
Oversee and ensure completion of all mortgage loan applications
Always provide above par customer services
Create and maintain liaison and local referral networks
Sound knowledge of FHA, VA, Conventional and USDA guidelines

Summary

Overview

Work History

Treasurer

Sr. Underwriter

Concession Stand Server

Sr. Underwriter

Mortgage Underwriter

Processor

President

Underwriter

Processor/ Processing Supervisor

Sr. Underwriter

Processor/ Processing Team Leader

Mortgage Loan Officer

Education

High School Diploma -

Skills

Accomplishments

Timeline

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