Summary
Overview
Work History
Education
Skills
Timeline
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Kara Besaw

Woodbine,Iowa

Summary

Analytical Senior Underwriter with 12 years of experience steering applications through approval process. Applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.

Overview

12
12
years of professional experience

Work History

Senior Underwriter

Wells Fargo Home Mortgage
03.2020 - Current
  • Apply knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
  • Collaborate with other professionals to develop innovative underwriting solutions.
  • Maintain in-depth understanding of FNMA and FHLMC loan requirements.
  • Negotiate terms and conditions of decision with clients to acquire maximum profitability.
  • Support review, acceptance or denial of complex cases after carefully reviewing all information.
  • Guide, mentor and coach underwriters in both technical and professional skills, instilling best practice and company standards.
  • Document underwriting decisions and provide evidence of compliance with applicable regulations.

Consumer Loan Underwriter 3

Wells Fargo Home Mortgage
02.2018 - 03.2020
  • Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
  • Identified and quickly resolved complex customer and loan problems with potential to negatively impacting operations management and business direction.
  • Checked titles, insurance coverage and appraisals for properties.
  • Apply knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
  • Support review, acceptance or denial of complex cases after carefully reviewing all information.
  • Document underwriting decisions and provide evidence of compliance with applicable regulations.

Consumer Loan Underwriter 2

Wells Fargo Home Mortgage
02.2013 - 01.2018
  • Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
  • Approved, declined or counter-offered loans.
  • Identified and quickly resolved complex customer and loan problems with potential to negatively impacting operations management and business direction.
  • Maintained in-depth understanding of FNMA and FHLMC loan requirements.

Inbound Sales Specialist (SAFE)

Wells Fargo, NA
12.2011 - 02.2013
  • Documented details of calls and customer interactions.
  • Memorized scripts to achieve easy conversational flow in interactions with potential customers.
  • Performed work in compliance with established regulations, policies and standard operating procedures.
  • Developed and maintained working knowledge of products and services to deliver timely, accurate information.

Education

Bachelor of Science - Business Administration And Management

AIB College of Business
Des Moines, Iowa
06.2013

Associate of Applied Science - Business Administration And Management

AIB College of Business
Des Moines, Iowa
06.2012

High School Diploma -

Woodbine High School
Woodbine, Iowa
05.2010

Skills

  • Quality Control
  • Sales Support
  • Risk Assessments
  • Pricing Evaluations
  • Analyzing Data
  • Loss Prevention
  • Terms Negotiation
  • Product Knowledge
  • Problem Resolution

Timeline

Senior Underwriter

Wells Fargo Home Mortgage
03.2020 - Current

Consumer Loan Underwriter 3

Wells Fargo Home Mortgage
02.2018 - 03.2020

Consumer Loan Underwriter 2

Wells Fargo Home Mortgage
02.2013 - 01.2018

Inbound Sales Specialist (SAFE)

Wells Fargo, NA
12.2011 - 02.2013

Bachelor of Science - Business Administration And Management

AIB College of Business

Associate of Applied Science - Business Administration And Management

AIB College of Business

High School Diploma -

Woodbine High School

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