Summary
Overview
Work History
Education
Skills
Affiliations
Languages
Timeline
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Karena Chmielowiec

Union,NJ

Summary

  • A results oriented financial services professional with over 10 years professional experience. Proven track record in providing excellent performance and meeting key work metrics in each position.
  • Proficient in determining level of risk and using strong mathematical and statistical skills to evaluate financial documents, such as P&L statements, cash flows and tax returns.
  • Strong analytical skills and proficient in using advanced Excel techniques, such as pivot tables, v-lookups, nested IF statements, financial modeling and macro functions.


Overview

4
4
years of professional experience

Work History

Underwriter

American Federal Mortgage Corporation
01.2022 - Current
  • Supported sales team by underwriting loans under a 24 hour turnaround time, providing instant feedback on credit approvals and denials.
  • Achieved top level quality results on a monthly basis. Utilized quick problem-solving skills to come up with solutions for higher risk and under-qualified loans, giving sales team multiple solutions to use for customer retention and loan approval.
  • Made approval and denial recommendations up to super jumbo limits, analyzing credit, income, compliance, title documents, and appraisal with a 97% successful audit rate.
  • Presented possible high risk and compliance issues on loans to CEO and Vice president of Underwriting. Provided feedback and analysis on risk mitigation and applicable underwriting guidelines to assist senior leadership in decision-making process on higher risk loans.
  • Oversaw and guided assigned loan processors on conditions, providing informed feedback and assisting them to achieve strong customer satisfaction.

Loan Processor

American Federal Mortgage Corporation
10.2020 - 01.2022
  • Selected by senior leadership after displaying strong capabilities to process and manage selective loan applications with additional restrictions and requirements. Trained other processors to effectively assist with non-delegated loans, becoming main leadership role for questions and guidance.
  • Reduced personal processing time to under one week from application to closing, ensuring strong customer satisfaction throughout process, with shortest loan time from 4 days.
  • Point person for loans with regional investors, ensuring additional requirements and stricter risk tolerance guidelines were adhered to. Ensured company's image and relationships with investors were professionally maintained. Received constant feedback and appreciation for timely work and outstanding quality and delivery of loans from regional investors.
  • Processed, underwrote and assisted in closing $4 million dollar transaction, ensuring loan was closed in timely manner and purchased by investor with no additional conditions or complications.

Legal Assistant/Paralegal Assistant

McCalla Raymer Leibert Pierce LLC
10.2019 - 03.2020
  • Produced legal documents such as motions, complaints, assignment of mortgages under attorney guidance, completing one year backlog of legal documents in under two months of start date.
  • Researched statutes, decisions, legal articles, and codes to use in applicable legal documents utilizing LexisNexis to present to attorney.
  • Completed electronic filings, initiated billing statements, and assisted in meeting New York department billable targets for the year.

Education

Bachelor of Arts - Biology

Caldwell University
Caldwell, NJ
2017

Skills

  • Risk Management
  • Financial Analysis
  • Leadership
  • Income Analysis
  • Data Analysis
  • Financial Statement Review
  • Income Statements
  • Financial Modeling
  • Microsoft Excel
  • Problem-Solving

Affiliations

  • Association for Latino Professionals for America, New Jersey Charter

Languages

Spanish
Native or Bilingual

Timeline

Underwriter

American Federal Mortgage Corporation
01.2022 - Current

Loan Processor

American Federal Mortgage Corporation
10.2020 - 01.2022

Legal Assistant/Paralegal Assistant

McCalla Raymer Leibert Pierce LLC
10.2019 - 03.2020

Bachelor of Arts - Biology

Caldwell University
Karena Chmielowiec