Professional
Open To Work
Christa Stenseth
Anoka-Ramsey Technical College STEP
Andover,MN
Work Preference
Desired Job Title
Behavioral Job CoachSenior Loan Examination SpecialistSenior Government Mortgage UnderwriterRetail Government and Conventional Underwriter
Work Type
Full Time
Location Preference
Hybrid
Location:
Andover, MN, USAnoka, MN
Open to relocation:
Yes
Important To Me
Career advancementFlexible work hoursWork from home optionPaid time off401k matchPaid sick leaveHealthcare benefitsWork-life balanceCompany Culture
Professional Summary
Results-driven Senior Loan Examination Specialist with 30 years in the mortgage industry. Skilled in identifying pre-close underwriting errors and ensuring compliance through effective communication with management. Currently mentoring young adults with special needs, fostering growth and independence. Seeking to leverage extensive mortgage knowledge in a role that values diverse skill sets.
Work History
10 Years 3 Months
06.2013 - 09.2023
10 Years 3 Months
Senior Loan Examination Specialist
Wells Fargo Home Mortgage | St Louis Park, MN
06.2013 - 09.2023
- Analyzed closed and funded mortgage documentation to ensure compliance with internal policies and regulatory requirements.
- Reviewed all documentation required for a home mortgage loan that was obtained and collected from the time of application to post close and beyond. Information included: Appraisal, title, income, assets, credit including bankruptcy, divorce and child support documentation as well as final closing disclosures,
- Information input into database system.
- Generated reports detailing findings and recommendations.
- Conducted quality assurance reviews of loan files to maintain accuracy and adherence to standards.
- Collaborated with management regarding errors found during file review that are required to be reported to GSEs and FHA/HUD.
- Reviewed mortgage finding trends on a regulatory basis and communicated common practices found with the management team.
- Mentored other loan examination specialists on best practices and current guidelines.
- Evaluated staff performance and provided coaching to address inefficiencies.
- Followed all company policies, procedures and testing as required in a timely fashion. .
- Devised and implemented processes and procedures to streamline operations.
1 Year 6 Months
02.2025 - Current
1 Year 6 Months
Behavioral Job Coach
Anoka-Ramsey Technical College STEP | Anoka, MN
02.2025 - Current
- Guided young adult special needs students to enhance their job readiness to someday possibly work in a paid position.
- Utilized a variety of instructional tools provided by the school district to create effective customized learning experiences according to the students' special needs. In addition, we are able to identify behaviors to work on in order to have sustainability as a paid employee in the future.
- Provided ongoing support and coaching to facilitate successful transitions into the workforce.
- Provided continuous assistance to students in job readiness activities. to students which increased motivation and self-confidence.
- Completed quarterly evaluations for each student regarding progress, which includes both the wins and accomplishments as well as areas that require additional coaching and development. As a job coach, I identify gaps in the students' performance, then I develop learning solutions, custom per the students' needs.
4 Years
01.2009 - 01.2013
4 Years
Senior Government Mortgage Underwriter
Bank of America
01.2009 - 01.2013
- Conducted thorough reviews of FHA, VA, conventional and rural development mortgage files, ensuring accuracy and adherence to policies.
- Evaluated loan applications for creditworthiness and compliance with underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Analyzed borrower financial statements to assess risk and determine approval eligibility.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Provided training and mentorship to junior underwriters on best practices and regulatory requirements.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Escalated cases, providing expert guidance on difficult underwriting decisions and solutions.
3 Years
01.2006 - 01.2009
3 Years
Retail Government and Conventional Underwriter
PNC Mortgage/Wells Fargo Joint Venture
01.2006 - 01.2009
- Evaluated mortgage loan applications for compliance with underwriting guidelines and risk assessment criteria depending on the loan product.
- Analyzed income documentation, assets, credit reports and appraisals to determine creditworthiness and mitigate potential risks prior to full loan approval.
- Collaborated with loan officers to gather required documentation and clarify applicant information.
- Recommended mortgage approvals based on detailed analysis of financial data and property evaluations.
- Mentored team members in best practices for risk assessment, improving overall departmental performance.
Education
High School Diploma
Robbinsdale Cooper High School | New Hope, MN
Skills
Feedback delivery
Problem-solving aptitude
Professional demeanor
Organizational skills
Excellent communication
Problem-solving abilities
Accuracy and attention to detail
Confidentiality and security
Timeline
Behavioral Job Coach
Anoka-Ramsey Technical College STEP
02.2025 - CurrentRead more
Senior Loan Examination Specialist
Wells Fargo Home Mortgage
06.2013 - 09.2023Read more
Senior Government Mortgage Underwriter
Bank of America
01.2009 - 01.2013Read more
Retail Government and Conventional Underwriter
PNC Mortgage/Wells Fargo Joint Venture
01.2006 - 01.2009Read more
Robbinsdale Cooper High School - High School Diploma,
Read more