Jeanie Kaura
Little Elm,TX
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
15
15
years of professional experience
Work History
Senior DE Mortgage Underwriter
Southwest Funding Mortgage
Dallas , TX
05.2018 - Current
- Maintained mortgage program compliance with federal agencies such as VA and HUD.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Met a 48-hour timeline consistently, turning around applications quickly with firm approval or denial decisions on VA and FHA loans.
Jr Underwriter
Pacific Union Financial LLC
Dallas , Texas
10.2015 - 05.2017
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Identify red flags within files and ensure each red flag is addressed prior to approval/closing
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Provide a second layer of quality control to Sr Underwriter.
Mortgage Ops Associate
Capital One Home Loans, FHA Government
Dallas , Texas
04.2013 - 10.2015
- Process incoming customer, vendor or third party documents as outlined in departmental procedures and as directed by team/department leadership
- Audit loan notes and major events to understand and perform outstanding file requirements
- Input data correctly and accurately
- Provides appropriate documentation to applicants, vendors and other third parties at appropriate times throughout the process
- Provide appropriate communication to internal and external customers with focus on the customer experience and timely processing
- Ensure that policies, guidelines and procedures are followed including compliance regulations (HMDA, TILA, RESPA, HOEPA, FCRA and ECOA) and credit guidelines (Capital One Residential Lending Guidelines)
- Participate in various department projects and cross-trains for additional responsibilities as needed
Loan Processor
BB&T
Dallas, TX
08.2012 - 04.2013
- Assist the Loan Officers regarding mortgage loans and follow- up with clients to collect all documents necessary to close loan
- Processes external and internal payoffs for old mortgages and lines of credit, order titles, flood certifications and insurance declarations page
- Reviews and arranges file in proper stacking before submitting to underwriting
- Conducted verification of employment for applications
- Aware of and adheres to all state and federal regulations
- Accurately and timely clearing of underwriting conditions
Process Support II
Bank of America Home Loans
Plano, TX
01.2008 - 01.2012
- Protect the company from potential litigation.
- Dealt with highly escalated Office of the President loans and provide resolution by submitting files over to underwriting
- Responsible for reviewing and recommending approval or denial of transaction on service including extensions, forbearance modifications, HAMP Short Sales and Deed in lieu
- Filled in for absent management by approving time cards and delegated daily tasks to associates
- Launched and trained a team of 15 new hire associates in North Carolina.
Loss Mitigation Specialist
Capital One Auto Finance
Plano, TX
01.2006 - 01.2008
- Negotiated delinquent loans which concluded to a productive outcome
- Managed multiple projects in a fast paced environment
- Cataloged inbound and outbound calls
- Skip traced customers and explored other options to bring delinquent loans current
- Built a strong working relationship with clients and partners of Capital One Auto Finance.
Education
Collin County Community College- Current
Plano East Senior High School
2003
undefined
Williams High School
2001
Skills
- Workplace Skills
- Proficient in CALYX, Empower and Encompas
- Automated Underwriting Systems
- LexisNexis Software
- Underwriting Regulations
- DPA Programs
- TSHAC, CHFA and CAFA
- FHA Connection
Languages
Hindi
Full Professional
Punjabi
Full Professional
Timeline
Senior DE Mortgage Underwriter
Southwest Funding Mortgage
05.2018 - Current
Jr Underwriter
Pacific Union Financial LLC
10.2015 - 05.2017
Mortgage Ops Associate
Capital One Home Loans, FHA Government
04.2013 - 10.2015
Loan Processor
BB&T
08.2012 - 04.2013
Process Support II
Bank of America Home Loans
01.2008 - 01.2012
Loss Mitigation Specialist
Capital One Auto Finance
01.2006 - 01.2008
Collin County Community College- Current
Plano East Senior High School
undefined
Williams High School
Similar Profiles
Kevin EsquedaKevin Esqueda
Mortgage Underwriter at Southwest Funding MortgageMortgage Underwriter at Southwest Funding Mortgage
Gerardo MendozaGerardo Mendoza
Sales Manager at Southwest FundingSales Manager at Southwest Funding
Sarl MargahiSarl Margahi
Loan Officer Assistant at Mortgage One FundingLoan Officer Assistant at Mortgage One Funding