Summary
Work History
Skills
Timeline
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HEATHER KLEIN

Phoenix,AZ

Summary

Seasoned mortgage industry professional with the capacity to cultivate strategic relationships and steering positive bottom-line results. A positive, innovative leader championing an environment of superb communications and inspires teams to excel. Effectively utilizes a participatory management style that promotes and encourages accountability, teamwork, continuous improvement, efficiency and results.

Adaptable and analytical problem-solver with strong attention to financial detail. Well-versed in risk assessment and regulatory compliance, with proficiency in credit analysis and loan evaluation. Committed to driving sound lending decisions and ensuring financial stability.


Work History

AVP of Operations

Alterra Home Loans
  • Leveraged technology solutions to automate repetitive tasks, freeing up time for more strategic decision-making activities.
  • Evaluated emerging trends within the industry, staying ahead of competitors through innovative strategies and best practices adoption.
  • Optimized resource allocation for better cost management and increased profitability.
  • Ensured compliance with industry regulations through diligent monitoring practices and proactive policy updates.
  • Implemented data-driven strategies to identify areas of improvement, leading to enhanced operational efficiency.
  • Facilitated interdepartmental coordination efforts to streamline operations, achieve common objectives, and optimize overall performance levels.
  • Collaborated with cross-functional teams to develop and implement new policies and procedures, resulting in positive organizational change.
  • Managed the operational pipeline to ensure seamless workflow and timely project completion.
  • Managed post-closing conditions to ensure compliance with regulatory requirements.
  • Developed and delivered comprehensive mortgage training programs for staff, enhancing operational efficiency.
  • Monitored and enforced compliance protocols to uphold operational integrity.
  • Managed mortgage underwriting activities, ensuring timely and accurate processing of applications.
  • Underwrote FHA loans, ensuring compliance with federal regulations and company policies.

Senior Mortgage Underwriter

Blue Brick Financial, LLC
  • Reviewing and verifying loan applications and supporting documentation
  • Analyzing loan risk and requesting additional information as necessary
  • Ensuring compliance with regulatory standards
  • Ensuring compliance with company policies and guidelines
  • Documenting and effectively communicating reasons for the approval/rejection of loans
  • Good working knowledge of mortgage loan processing and relevant legal regulations
  • Calculate, analyze, evaluate, and make independent decisions on credit, income, assets and risk to determine the income or probability of repayment for loan requests
  • Communicate the decisions (approvals/denials) of all credit applications to their appropriate parties (Loan Officers, Managers, Processors)
  • Provide loan support to all loan processors and loan officers
  • Verify loan documentation for accuracy, completion, and adherence to policies and procedures
  • Establish documentation requirements on all approved applications that meet standards set by internal/external guidelines
  • Knowledgeable of all FNMA/FHLMC lending policies and procedures as well asState and Federal lending laws, rules and regulations
  • Perform other duties as directed by leadership
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Verified integrity of applicants' information to minimize fraud.

Corporate Trainer

Panorama Mortgage Group, LLC
  • Responsible to support mortgage operations of the Company by designing, creating, and executing training for all departments
  • Develop procedures and ensure their alignment with Panorama Mortgage Group’s strategic and tactical objectives
  • Train, motivate and guide all departments in all functions of processing, closing and underwriting, including traditional and automated underwriting requirements and brokered guidelines
  • Conduct continued education training companywide
  • Learn and maintain knowledge of all company used loan programs
  • Monitor and assess guideline changes to develop announcements (FHA, VA, USDA, etc.)
  • Advise Operations Management on recommended changes to Company policies, procedures, internal controls, and processes to meet regulatory and other requirements
  • Maintain Processing and Closing policies and procedures
  • Assist with developing of a tracking system for loan deficiencies, quality control and identified trends
  • Work with each brand to ensure consistency in processing and closing conditions and interpretation of guidelines
  • Work with Encompass Administration to improve efficiencies and workflow for all departments > Develop training for all new loan products and processes being introduced
  • Support the Processors, Closers and Underwriter’s direct manager with aspects of onboarding process, such as training, technical advising, etc
  • Collaborate with other Trainers and Learning and Development Manager on design, execution, and coordination of training program
  • Interact with all brands, agencies, and investors on credit policy topics
  • Conducted evaluations and observed employee performance to identify areas of needed improvement.
  • Enhanced corporate culture by conducting team-building activities and workshops.

National Builder Division/Spousal Patriot Division – Operations Manager

The Federal Saving Bank
  • Supervised the daily operation of Originators, Processors, Closing Coordinators and other personnel
  • Interviewed, evaluated, and hired Processor candidates
  • Trained new processors/prepared training materials for new products/educated new hire classes
  • Defined annual Branch objectives; developed operating plan; including budgets and manpower requirements
  • Monitored and controlled monthly income and for the Regional Manager and met volume/income projections/expense control of Executive Management

SW Processing Support/SW Processing Supervisor

On Q Financial, Inc.
  • Direct supervision of32 direct hires in the company’s largest region including developing and coaching new processors to maximize top performance
  • Prepared training materials for new products
  • Developed Efficiency Team to simplify the company’s process flow
  • Processed confidential employee loans, reverse loans, and transition loans

SW Processing Team Lead/Senior Loan Processor

DHI Mortgage
  • Processed files from Loan Officer through Final Approval
  • Daily pipeline management to include all phases of reporting
  • Mentored, evaluated, and hired new loan processors

Skills

  • FNMA/FHA/VA/USDA/ARRIVE/DPA/1ST GENERATION guideline proficient
  • Strong decision-making
  • Loan underwriting expertise
  • Debt-to-income ratios
  • Residential loans
  • LTV calculations
  • Jumbo and super jumbo loans
  • Application analysis
  • Residual incomes
  • Collateral evaluation
  • Fraud detection
  • Regulatory compliance
  • Mortgage industry awareness
  • Closing document review
  • Loan-to-value ratio calculation
  • Credit report interpretation
  • Debt-to-income ratio analysis
  • Appraisal review expertise
  • Tax return analysis
  • Underwriting guidelines
  • Residential mortgage lending regulations
  • Credit analysis
  • Teamwork and collaboration
  • Problem-solving
  • Time management
  • Attention to detail
  • Leadership skills
  • Problem-solving abilities
  • Reliability
  • Excellent communication
  • Loan processing coordination
  • Risk assessment
  • Staff management
  • Credit scoring models
  • Quality control procedures
  • Continuous learning mindset
  • Professional ethics
  • Strong analytical skills
  • Documentation review

Timeline

National Builder Division/Spousal Patriot Division – Operations Manager

The Federal Saving Bank

SW Processing Support/SW Processing Supervisor

On Q Financial, Inc.

SW Processing Team Lead/Senior Loan Processor

DHI Mortgage

AVP of Operations

Alterra Home Loans

Senior Mortgage Underwriter

Blue Brick Financial, LLC

Corporate Trainer

Panorama Mortgage Group, LLC
HEATHER KLEIN