Summary
Overview
Work History
Education
Skills
Timeline
Generic

Joseph Marino

Winlock,WA

Summary

Detail-oriented mortgage underwriting auditor with expertise in eligibility determination and documentation review. Strong collaboration skills demonstrated through effective communication with loan officers and management. Committed to ensuring compliance and improving approval processes. In-depth knowledge of property eligibility and appraisal review.

Overview

10
10
years of professional experience

Work History

Lead Carpenter

Jerrethius Group LTD CO
Winlock, WA
03.2025 - Current
  • Constructed structures according to plans and specifications.
  • Operated hand and power tools safely and efficiently for various carpentry tasks.
  • Completed finish work including, but not limited to, tile and flooring installation, drywall, trim work, roofing and siding installation, as well as ensuring structure is weather tight installing doors & windows

Mortgage Underwriting Auditor

Key Mortgage
Puyallup, WA
04.2020 - 03.2025
  • Evaluated mortgage applications for compliance with lending guidelines and risk assessment standards.
  • Led audits to ensure compliance with financial regulations and internal policies.
  • Aided underwriters via secondary document review, and as a GSE guideline respondent.
  • Analyzed credit reports and financial statements to determine borrower eligibility and loan viability.
  • Collaborated with loan officers and underwriting management to resolve underwriting conditions and streamline approval processes.
  • Verified appraisal integrity as an appraisal review specialist, with signing authority to $1.25M.

Landlord

Jerrethius Group LTD CO
Sanford, ME
06.2018 - 03.2020
  • Managed tenant relationships, ensuring timely communication and addressing concerns efficiently.
  • Oversaw property maintenance, coordinating repairs and improvements to enhance living conditions.
  • Implemented effective lease management procedures, streamlining tenant onboarding processes.
  • Conducted regular property inspections, identifying issues and enforcing compliance with safety standards.

Lead Carpenter

Jerrethius Group LTD CO
Sanford, ME
08.2016 - 03.2020
  • Remodeled and restored uninhabitable and/or dilapidated housing to meet local building codes.
  • Balanced, and financially funded construction project budgets.
  • Collaborated with team members to ensure project timelines were met consistently.
  • Maintained job site cleanliness and organization to promote safety standards.

Education

High School Diploma -

Broad Ripple High School
Indianapolis, IN

Skills

  • Documentation review/analysis
  • Property evaluation
  • Eligibility determination
  • Familiarity with GSE and secondary underwriting guidelines
  • Residential mortgage lending regulations
  • Customer service
  • Structural repair
  • Finish carpentry
  • Project management

Timeline

Lead Carpenter

Jerrethius Group LTD CO
03.2025 - Current

Mortgage Underwriting Auditor

Key Mortgage
04.2020 - 03.2025

Landlord

Jerrethius Group LTD CO
06.2018 - 03.2020

Lead Carpenter

Jerrethius Group LTD CO
08.2016 - 03.2020

High School Diploma -

Broad Ripple High School
Joseph Marino