Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Charlotte Kays

Blue Springs,Missouri

Summary

Detailed Senior Mortgage Underwriter offering 15-20 years of experience in underwriting and auditing. I am FHA DE certified, with 10 plus years of experience in USDA loans. Proficient in Encompass.

Overview

9
9
years of professional experience

Work History

Senior OSS

NBKC Bank
Kansas City, Missouri
06.2024 - Current
  • I work with the top loan officers in the company and pre-underwrite all their files.

Sr. Mortgage Auditor

Baker Tilly
Charlotte , NC
07.2023 - 06.2024
  • Reviewed mortgage loans for potential fraud indicators.
  • Analyzed loan documents to ensure accuracy and compliance with applicable regulations and guidelines for FHA/USDA/VA/Fannie Mae and Freddie Mac.
  • Evaluated lenders' compliance with federal regulations such as RESPA, TILA, ECOA, HMDA.
  • Monitored lenders' adherence to investor guidelines regarding underwriting criteria.
  • Assessed effectiveness of current audit processes by conducting post-audit reviews.
  • Conducted quality control audits of loan files to identify errors or omissions in the documentation.
  • Audited underwriters and loan officers.
  • Investigated any discrepancies found during review process.

Sr. DE Mortgage Underwriter

NEW AMERICAN FUNDING
01.2017 - 01.2023
  • Underwrite FHA DE Certified, USDA, Conventional, New Construction loans builder relationships.
  • Evaluated mortgage loan risk based on sound underwriting decisions..
  • Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
  • Maintained compliance with company and regulatory policies.
  • Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
  • Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
  • Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
  • Collaborated with loan originators and processors to correctly review and assess applications and risks.

Sr. DE Mortgage Underwriter

US Bank
2016 - 2017
  • Underwrote FHA, USDA and conventional files.
  • Evaluated mortgage loan risk based on sound underwriting decisions.
  • Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
  • Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.

Sr. DE Underwriter

Churchill Mortgage
2013 - 2015
  • Underwrote FHA, USDA and Conventional loans Met all QM, Fannie Mae/Freddie Mac and FHA guides, New Construction builder loans
  • Met turn times with a heavy pipeline at all times.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
  • Identified valuable solutions for customers with credit problems.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.

Sr. DE Mortgage Underwriter

DAS Acquisition/USA Mortgage
2011 - 2013
  • Underwriting mortgage home loans for Fannie/Freddie FHA and MHDC -Analyzed all financial data including Credit income and performed Compliance fraud protection.
  • Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
  • Analyzed loan risk and reviewed loan conditions and requirements.

Mortgage Underwriter and Sponsored

Hometown Equity Mortgage
2009 - 2010
  • I sponsored the company to get their Designation with HUD. I worked daily with a HUD Liaison to Sponsor the bank to become DE Certified.

Due Diligence Underwriter/Audit

OPUS
Chicago, IL
2005 - 2008
  • Traveled to different lenders performed full Audit on residential loans to see if they meet Guidelines.
  • Audited Scratch and Dent loans.
  • Fraud training

Education

Bachelor of Science - HRA

Missouri State University
Springfield, MO
12.1998

Skills

  • FHA DE Certified
  • USDA Underwriting 10 plus years
  • Due diligence/auditing
  • Underwrote New Construction loans
  • Property Evaluation
  • Creditworthiness Determination
  • Income Evaluation
  • LexisNexis Software
  • Decision Making
  • Fraud Detection and Prevention training
  • Maintained turn times with heavy pipeline

References

References: Available upon request.

Timeline

Senior OSS

NBKC Bank
06.2024 - Current

Sr. Mortgage Auditor

Baker Tilly
07.2023 - 06.2024

Sr. DE Mortgage Underwriter

NEW AMERICAN FUNDING
01.2017 - 01.2023

Sr. DE Mortgage Underwriter

US Bank
2016 - 2017

Sr. DE Underwriter

Churchill Mortgage
2013 - 2015

Sr. DE Mortgage Underwriter

DAS Acquisition/USA Mortgage
2011 - 2013

Mortgage Underwriter and Sponsored

Hometown Equity Mortgage
2009 - 2010

Due Diligence Underwriter/Audit

OPUS
2005 - 2008

Bachelor of Science - HRA

Missouri State University

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