Kathleen Karmineke
Whitmore Lake,MI
Summary
Seasoned FHA, VA, Conventional, and USDA Underwriting Team Lead with a proven track record at Academy Mortgage Corporation. Excelled in loan evaluation, policy interpretation, and enhancing workflow optimization. Demonstrated exceptional organizational skills and a knack for clear communication, significantly improving loan processing efficiency.
Overview
26
26
years of professional experience
2
2
Certifications
Work History
FHA, VA, Conventional and USDA Branch Underwriter Team Lead
Staunton Financial, Inc. d/b/a John Adams Mortgage, Total Home Lending Companies
Southfield, MI
02.2022 - 01.2025
- Responsibilities include: Assisting Underwriters, Processors, Loan Officers with questions and scenarios, reviewing each loan file for credit worthiness, income, assets and collateral
- Examining each loan for completeness and accuracy
- Ensuring that each loan file meets the guidelines of FNMA, FHLMC, HUD, VA, MSHDA and USDA
- Issuing counter offers, if available, to Loan Officers
- Working with DO/DU, LP, GUS, WebLGY, Data Verify, Clear Capital and Encompass
FHA, VA, Conventional and USDA Underwriter Team Lead
Academy Mortgage Corporation
Draper, UT
08.2016 - 02.2022
- Responsibilities include: reviewing each loan file for credit worthiness, income, assets and collateral
- Examining each loan for completeness and accuracy
- Ensuring that each loan file meets the guidelines of FNMA, FHLMC, HUD and USDA
- Issuing counter offers, if available, to Loan Officers
- Answer scenario questions for the Loan Officers and Processing staff
- Working with DO/DU, LP, GUS, WebLGY, Fraud Guard, Mercury and Encompass
- Also worked with DPA's nationwide
FHA and Conventional Underwriter
Mortgage 1, Inc.
Sterling Heights, MI
07.2014 - 07.2016
- Responsibilities include: Extensive knowledge of FHA and Conventional Underwriting criteria
- Ensure loan requests meet program guidelines and facilitate counter-offers to other programs if borrower meets specific qualification requirements
- Evaluating all collateral, income, credit, assets and specific program eligibility criteria to determine individual applicant qualification
- Examine loan documentation for accuracy and completeness
- Answering scenario questions of the sales and processing staff via a support email
- Working with DO/DU, LP, and Encompass
- Also worked with MSHDA
Education
Bachelors of Business Management -
Cleary College
01.1998
Skills
- Documentation review
- Appraisal review
- Credit analysis
- Policy interpretation
- Title review
- Asset statements
- LTV calculations
- Loan evaluation
- Loan origination software
- Residual incomes
- Underwriting guidelines
- Debt-to-income ratios
- Income verification
- Residential loans
- Bookkeeping
- Payroll processing
- Customer service
- Account reconciliation
- Organizational skills
- Workflow optimization
- Clear oral/written communication
- Document management
Certification
- LAPP/SAR #023186
- CHUMS #CE79
References
References available upon request.
Timeline
FHA, VA, Conventional and USDA Branch Underwriter Team Lead
Staunton Financial, Inc. d/b/a John Adams Mortgage, Total Home Lending Companies
02.2022 - 01.2025
FHA, VA, Conventional and USDA Underwriter Team Lead
Academy Mortgage Corporation
08.2016 - 02.2022
FHA and Conventional Underwriter
Mortgage 1, Inc.
07.2014 - 07.2016
- LAPP/SAR #023186
- CHUMS #CE79
Bachelors of Business Management -
Cleary College
Similar Profiles
Julie GrossJulie Gross
SVP, Chief Training Officer - Culture Keeper at Certainty Home Lending, a DBA of Guaranteed Rate, Formerly Certainty Home Loans, Formerly Starkey Mortgage, Formerly WR Starkey MortgageSVP, Chief Training Officer - Culture Keeper at Certainty Home Lending, a DBA of Guaranteed Rate, Formerly Certainty Home Loans, Formerly Starkey Mortgage, Formerly WR Starkey Mortgage
Skye RossSkye Ross
Mortgage Loan Officer Assistant at John Adams Mortgage CompanyMortgage Loan Officer Assistant at John Adams Mortgage Company
Heather GautreauHeather Gautreau
Mortgage Loan Officer at Supreme Lending/Cardinal Financial Company/CrossCountry MortgageMortgage Loan Officer at Supreme Lending/Cardinal Financial Company/CrossCountry Mortgage