Joe Kidd
Cincinnati,OH
Summary
Accomplished in leading mortgage operations, I spearheaded a team at Fifth Third Bank, enhancing loan closing timelines through the innovative Conditional Appeal Process. Expert in credit and appraisal underwriting, my adept risk management and team development skills have consistently improved operational efficiency and compliance across multiple financial institutions.
Overview
35
35
years of professional experience
1
1
Certification
Work History
Underwriter Supervisor
Union Savings Bank
Cincinnati, OH
05.2024 - Current
- Supervise and underwrite mortgage loans to GSE and portfolio guidelines. Provide support as a SME to our Sales & Fulfillment Partners including reaching out to FNMA, FHLMC FHLB regarding guideline interpretation with specific scenarios and negotiating exceptions.
AVP/MGR of Mortgage Loan Resource Dept
Fifth Third Bank
Cincinnati, OH
01.2009 - Current
- Lead a team of remote SR Underwriters across multiple states who provide support and guidance to Mortgage Sales & Operations Fulfillment staff in a call center type environment
- Co-created and rolled out deployment of the Conditional Appeal Process, providing a non-biased resolution of critical decisions between Sales & Underwriting to help maintain timely loan closings
- Provide feedback & coaching to employees who have scenarios related to the structuring of residential mortgage loans and underwriting questions
- Handle escalation of UW decisions that requires senior knowledge and/or unique problem-solving abilities
- Possess in-depth knowledge of Mortgage UW that includes FNMA, FHLMC, FHA, VA, USDA, BOND, Jumbo, and Portfolio loan products while staying within our risk appetite
- Skilled in monitoring compliance, volume, flow & quality
- Certified in RE Appraisal Review with a long background in FHA & VA appraisal reviews specifically
Branch Manager
USA Home Mortgage Inc
07.2007 - 01.2009
- Responsible for day-to-day operations of loan origination and processing of mortgage loans
- Pre-Underwrote and reviewed all files for accuracy to current agency guidelines prior to their submission to UW Dept
Branch Manager
Global Mortgage of Ohio
08.2005 - 07.2007
- Responsible for day-to-day operations of loan origination and processing of mortgage loans
- Pre-Underwrote and reviewed all files for accuracy to current agency guidelines prior to their submission to UW Dept
President & Director of Operations
Kiddco Mortgage
01.1990 - 12.2002
- Responsible for day-to-day operations consisting of origination, processing, underwriting and closing
- Reviewed loan applications and appraisals for approval process, product development and pricing, marketing, secondary market sales, manual loan underwriting
- Earned FHA DE status along with FHA 203K Rehab Certification
- Supervised other FHA DE UWs for completeness and accuracy of guidelines
- Performed post-closing quality review of files including receipt of Mortgage Insurance Certificates (MIC)
Education
Miami University
Oxford, OHSkills
- Customer Service
- Credit & appraisal UW
- System & Procedure Improvement
- Onboarding
- Coaching
- Management
- Development of Teams
- Developing policies
- Managing risk
- Policy interpretation
- FHLMC, FNMA & FHLB
- FHA, VA, USDA & Bond
- Risk assessment
- Sales support
Previouspositions
- DE Mortgage underwriter/Bond Team, Fifth Third Bank
- Quality Control Underwriter, Fifth Third Bank
- FHA/VA Appraisal UW/Collateral Review, Fifth Third Bank
Designations
- FHA DR DE Appraisal & Credit Review
- VA SAR property & Credit Review
- P/C AD Bankers
- NMLS 062612
Accomplishments
- Circle of Excellence Award in 2015
- Circle of Excellence Award in 2017
- Spirit of the Pin Awards
Certification
- FHA DE L257
- VA SAR/LAPP -
- FHA Section 203(k) -
Timeline
Underwriter Supervisor
Union Savings Bank
05.2024 - Current
AVP/MGR of Mortgage Loan Resource Dept
Fifth Third Bank
01.2009 - Current
Branch Manager
USA Home Mortgage Inc
07.2007 - 01.2009
Branch Manager
Global Mortgage of Ohio
08.2005 - 07.2007
President & Director of Operations
Kiddco Mortgage
01.1990 - 12.2002
Miami University
Similar Profiles
Darcy WheelerDarcy Wheeler
Senior Relationship Specialist at Union Savings BankSenior Relationship Specialist at Union Savings Bank
Melissa LummerMelissa Lummer
Branch Manager at Union Savings BankBranch Manager at Union Savings Bank
Sebastian FernandezSebastian Fernandez
Service Representative at Union Savings BankService Representative at Union Savings Bank