Katarzyna KASIA Krol
Arlington,TX
Overview
28
28
years of professional experience
Work History
AVP, NATIONAL CREDIT OVERSIGHT MANAGER
GUARANTEED rate
07.2021 - 09.2024
- Spearheaded the establishment and refinement of the oversight department for both conventional and FHA underwriting teams, ensuring robust operational and compliance standards
- Managed a team of senior underwriters conducting second-level reviews, focusing on onboarding new hires, supporting special programs, and mentoring underwriters needing additional guidance
- Provided expert guidance and oversight to the Associate underwriting team, conducting detailed second-level reviews to maintain high-quality standards
- Partnered with the Credit Policy team to drive strategic projects, enhancing underwriting processes and aligning with organizational goals
- Supported the Credit Concierge Department (Credit Risk) by addressing exceptions and escalations, ensuring timely and effective resolution
- Mentored team members to build their skills and expertise, fostering a culture of continuous improvement and professional growth
CREDIT ANALYST
GUARANTEED rate
02.2020 - 07.2021
- Provided expert guidance and made decisions on loans escalated from Conventional and Government underwriting departments, ensuring adherence to guidelines
- Researched and interpreted Conventional and Government agency guidelines and company policies to provide accurate coaching and support to underwriting teams
- Monitored closed loans to verify compliance with SLR approvals, ensuring consistency and accuracy in loan processing
- Collaborated with the Credit Policy team on various projects, including post-closing suspense resolutions and training initiatives
- Consistently met production, quality, and service standards while delivering direct coaching and feedback to improve team performance
- Maintained high productivity and compliance standards while performing quality reviews and ensuring accurate loan assessments
- Acted as a resource for underwriting teams, enhancing understanding and application of complex credit policies and procedures
REGIONAL UNDERWRITING MANAGER
GUARANTEED rate
06.2018 - 02.2020
- Managed a team of remote underwriters, ensuring effective communication and collaboration across diverse locations
- Oversaw the timely and compliant underwriting of loans, focusing on producing saleable, high-quality loans aligned with company standards
- Resolved issues for non-saleable loans by identifying and implementing corrective actions to ensure compliance and saleability
- Researched and analyzed new product offerings to align underwriting requirements with evolving market and company needs
- Directed staff to achieve departmental and company objectives, fostering a results-driven and collaborative environment
- Conducted timely performance management, including reviewing and approving work, recognizing achievements, addressing disciplinary actions, and resolving conflicts
- Provided support to underwriters, processors, and sales staff, ensuring a cohesive and well-informed workflow
- Modeled and reinforced integrity and alignment with the Company's Vision, Mission, and Values, cultivating a strong organizational culture
UNDERWRITING MANAGER
Homebridge financial (formerly prospect mtg)
, Schaumburg
12.2010 - 06.2018
- Managed a team of 8-14 underwriters, both on-site and remotely, ensuring operational efficiency and team cohesion
- Oversaw the timely and compliant underwriting of loans, consistently delivering saleable, high-quality loan products
- Addressed and resolved issues related to non-saleable loans, implementing corrective measures to meet compliance and quality standards
- Conducted research and analysis of new product offerings to align underwriting requirements with market trends and company objectives
- Aligned team efforts with departmental and company goals, driving performance and achieving organizational targets
- Provided timely performance management, including reviewing and approving work, recognizing achievements, addressing disciplinary issues, and resolving conflicts
- Supported underwriters, processors, and sales staff by offering guidance and expertise to streamline processes and improve outcomes
- Modeled and promoted integrity, fostering alignment with the Company's Vision, Mission, and Values to maintain a strong, ethical workplace culture
UNDERWRITER
GUARANTEED rate
Schaumburg, IL
08.2009 - 11.2010
- Analyzed credit, income, collateral, and asset documentation to assess loan eligibility and risk
- Underwrote loans in accordance with investor, secondary market, FHA, and VA guidelines to ensure compliance and saleability
- Reviewed appraisal reports for accuracy, completeness, and adherence to industry-accepted practices and techniques
- Applied detailed knowledge of underwriting standards to make sound, informed lending decisions
- Ensured loans met all regulatory requirements and company policies to maintain quality and compliance
- Collaborated with processors and loan officers to address discrepancies and resolve issues effectively
- Maintained a high level of accuracy and attention to detail in all underwriting tasks to support company objectives
UNDERWRITER
capital funding
Chicago, IL
03.2009 - 08.2009
- Assessed and underwrote mortgage applications to ensure compliance with program and product specifications, applying conditions as necessary to mitigate risk and align with company standards
- Delivered underwriting decisions (approval, suspense, or denial) effectively to internal stakeholders, ensuring adherence to fair lending practices and clear communication of reasoning and next steps
- Consistently met or exceeded productivity targets while maintaining high-quality standards and prioritizing customer satisfaction
- Ensured underwriting decisions complied with legal, regulatory, and organizational guidelines to uphold ethical standards and mitigate organizational risk
- Collaborated with internal teams to provide timely underwriting support, contributing to a seamless and efficient mortgage process
UNDERWRITER
RLCA
Des Plaines, IL
10.2001 - 02.2009
- Began as a receptionist and earned multiple promotions within two years, ultimately advancing to Underwriter III with five years of underwriting expertise
- Evaluated mortgage loan applications to assess risk, ensuring loans aligned with company goals and minimizing potential loss while maximizing profitability
- Conducted in-depth research into applicants' credit, income, cash flow, and financial status to support informed and accurate underwriting decisions
- Reviewed appraisals, title commitments, and real estate documents for accuracy, ensuring compliance with program requirements and industry regulations
- Managed the underwriting process to meet division standards, reviewing conditions and approving them promptly to ensure timely loan closings
- Provided exceptional customer service, addressing inquiries and concerns in person and over the phone, while handling a variety of loan programs, including conforming, jumbo, non-conforming, FHA, and second mortgages, ranging from $10,000 to $2,000,000
ALL WHEEL MECHANIC
US Army
Ft Benning, GA
09.1996 - 08.1999
- Supervised and performed maintenance and recovery operations on All-Wheel vehicles, track vehicles, and heavy-wheeled equipment, ensuring operational readiness
- Managed the upkeep of the A-31 Tool Set, a critical asset valued at over $60,000, maintaining its functionality and availability for repair operations
- Conducted comprehensive repairs and troubleshooting on All-Wheel and heavy equipment, ensuring minimal downtime during training and operational missions
- Operated effectively under extreme conditions during various training exercises, maintaining high performance in challenging environments
- Led and coordinated maintenance teams, ensuring efficient repair workflows and adherence to safety protocols in both routine and high-pressure situations
Summary
Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Education
Associate of Arts -
Triton College
River Grove, ILSkills
- Underwriting guidelines
- Sales support
- Credit analysis
- Customer service
- Financial analysis
- Managing risk
- Decision-making
- Attention to detail
- Team collaboration
- Continuous improvement
- Critical thinking
- Self motivation
- Analytical skills
- Teamwork
- Analytical thinking
- Policy development
- Time management abilities
- Application review
- Problem-solving
- Organizational skills
- Risk management
- Reliability
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
AVP, NATIONAL CREDIT OVERSIGHT MANAGER
GUARANTEED rate
07.2021 - 09.2024
CREDIT ANALYST
GUARANTEED rate
02.2020 - 07.2021
REGIONAL UNDERWRITING MANAGER
GUARANTEED rate
06.2018 - 02.2020
UNDERWRITING MANAGER
Homebridge financial (formerly prospect mtg)
12.2010 - 06.2018
UNDERWRITER
GUARANTEED rate
08.2009 - 11.2010
UNDERWRITER
capital funding
03.2009 - 08.2009
UNDERWRITER
RLCA
10.2001 - 02.2009
ALL WHEEL MECHANIC
US Army
09.1996 - 08.1999
Associate of Arts -
Triton College