Joan Kisthart
Litchfield,USA
Summary
Dynamic Senior Underwriter with extensive experience at Magnolia Bank, excelling in credit analysis and risk assessment. Proven track record in approving high-risk mortgage loans while ensuring compliance with underwriting guidelines. Strong communicator and collaborative team player, adept at problem-solving and delivering results in fast-paced environments.
Overview
11
11
years of professional experience
Work History
Senior Underwriter
Magnolia Bank
Hodgenville, Kentucky
05.2024 - 01.2026
- Evaluated loan applications to assess risk and determine eligibility.
- Collaborated with clients to gather required documentation for underwriting.
- Reviewed financial statements to analyze
- creditworthiness of applicants.
- Communicated with loan officers to clarify application details and requirements.
- Utilized underwriting software to process applications efficiently and accurately.
- Documented all decisions made during the underwriting process in accordance with regulatory requirements.
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Reviewed appraisals for accuracy before approving a loan package for submission.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Used authority to decide whether to accept, reject or suggest modifications to application proposals.
- CHUMS and SAR certification
- FHA, VA, USDA, Freddie Mac and Fannie Mae
- Laid off 1/21/2026 due to downsizing
Underwriter III
FlagStar Bank
Troy, MI
07.2015 - 01.2024
- Underwriting FHA, VA and USDA loans, Fannie Mae and Freddie Mac loans
- CHUMS ID
- Communicate with loan officers, brokers, account reps and processors to obtain items needed for loan approval
- Analyzed financial statements and credit reports to determine lending decisions.
- Reviewed and approved or denied mortgage applications based on established criteria.
- Communicated with clients to explain underwriting decisions
- Monitored industry trends to ensure compliance with evolving lending regulations.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Interpreted underwriting guidelines and assessed risks according to company policies.
- Laid off Jan 2024 due to downsizing
Education
Some College (No Degree) -
Marywood College
Scranton, PASkills
- Credit Analysis
- Evaluating loan applications
- Risk assessment
- Underwriting compliance
- Appraisal review
- Financial documentation
- Attention to detail
- Effective communication
- Problem solving
- Collaborative teamwork
- Underwriting guidelines
- Asset statements
- Loan approval & denial
- Time management
- Underwriting
- Professionalism
- File analysis
Personal Information
Work Permit: Authorized to work in the US for any employer
References
References available upon request.
Timeline
Senior Underwriter
Magnolia Bank
05.2024 - 01.2026
Underwriter III
FlagStar Bank
07.2015 - 01.2024
Some College (No Degree) -
Marywood College