Kandace Graham
Arlington,TX
Summary
Accomplished Mortgage Professional with a proven track record. Expert in credit analysis and fostering client relationships. Experienced in loan underwriting and appraisal review, significantly enhancing loan processing efficiency. Skilled in navigating complex mortgage guidelines and delivering results with a keen focus on risk assessment and quality control.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Claims Adjuster
State Farm
Richardson, TX
02.2024 - Current
- Acted as a reliable point of contact for customers throughout the claims process, addressing their concerns with empathy and professionalism.
- Demonstrated expert knowledge of auto insurance policies and coverages, allowing for accurate assessment of damages and appropriate claim payouts.
- Established an effective system for tracking and monitoring claims from initial report to final resolution, ensuring timely updates were provided to all relevant parties.
- Provided exceptional customer service at all stages of the claims lifecycle while adhering to strict confidentiality guidelines regarding sensitive client information.
- Assisted clients with navigating complex insurance policies, ensuring they understood the extent of their coverage and benefits available to them during the claims process.
Quality Control Underwriter
MUFG Union Bank
Irving, TX
08.2020 - 12.2023
- Conducted comprehensive reviews of loan files, verifying compliance with company guidelines and federal regulations.
- Participated in regular audits, ensuring adherence to regulatory requirements and consistency across all loan files.
- Evaluated credit risk associated with borrower profiles by conducting thorough financial analyses using various tools.
- Reviewed applicant documents such as tax returns, pay stubs, bank statements to verify their authenticity before processing them further.
- Provided timely feedback to loan originators on areas where they can improve their documentation or processes, leading to better overall performance.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Made approval and denial recommendations by determining accurate risk levels.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Built strong relationships with lenders, brokers and clients for constructive communications.
Mortgage Underwriter
Amerisave Mortgage
Atlanta, GA
11.2018 - 08.2020
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Maintained orderly records of all completed mortgage transactions, facilitating easy retrieval for future reference or audits.
Loss Mitigation Underwriter
US Bank National Association
Irving, TX
01.2016 - 11.2018
- Negotiated short sales and deed-in-lieu agreements for efficient resolution of distressed properties.
- Maintained thorough documentation of all communications, decisions, and actions taken throughout the loss mitigation process.
- Managed a portfolio of delinquent loans, effectively prioritizing cases to maximize efficiency and impact on recovery efforts.
- Collaborated with legal counsel to prepare foreclosure referrals when necessary, ensuring accurate representation of case details.
- Enhanced customer retention through proactive communication and negotiation of alternative payment plans.
- Successfully completed numerous loan modification requests resulting in borrowers'' ability to retain their homes.
- Developed strong working relationships with cross-functional teams including collections, customer service representatives, asset managers, real estate agentsbrokers.
- Collaborated with borrowers to obtain required financial documents for accurate underwriting analysis.
- Ensured compliance with all federal, state, and investor guidelines in loss mitigation processing and decisionmaking.
- Reviewed and analyzed complex borrower financial situations, determining appropriate workout options based on individual circumstances.
Education
Texas Southern University
Houston, TXSkills
- Credit analysis
- Loan Underwriting
- Appraisal review
- Policy Interpretation
- Loan Origination Systems
- Income Calculation
- Mortgage Guidelines
- FNMA/FHLMC
- Underwriting guidelines
- Risk Assessment
- Quality Control
- Asset Statements
- Loss Mitigation
- Black Knight/MSP
- Microsoft Office applications
Certification
Texas All Lines Adjuster License
Phlebotomy and CPR Certified
Timeline
Claims Adjuster
State Farm
02.2024 - Current
Quality Control Underwriter
MUFG Union Bank
08.2020 - 12.2023
Mortgage Underwriter
Amerisave Mortgage
11.2018 - 08.2020
Loss Mitigation Underwriter
US Bank National Association
01.2016 - 11.2018
Texas Southern University