Katie Paulino
Avondale,AZ
Summary
Driven Mortgage Underwriter with over 10 years of experience in both Conventional and FHA loan seeking to utilize my experience to make a significant contribution to the success of your company.
Overview
12
12
years of professional experience
Work History
Senior Underwriting 3
NFM Lending
Linthicum, MD
01.2022 - 05.2022
- Responsible for underwriting mortgages including pre-qualifying buyers for new construction loans, recommending loans for approval on all residential properties
- Communicate immediately and effectively verbally and in writing with all internal departments with identified conditions needed for approval
- Clearing conditions on loans for final approval
- Maintain acceptable turnaround times for applications submitted and re-submissions for final approval
- Experienced with using Encompass.
FHA DE Underwriter 3
Sierra Pacific Mortgage
Folsom, CA
09.2019 - 09.2021
- Underwrote/Decisioned FHA both automated and manual loans
- Appraisal reviews and issued Conditional Commitments for FHA Loans
- Extensive knowledge of manufactured home loan programs & any company overlays
- Demonstrated excellent follow-through with Borrowers, Processor, Loan Originators and Management throughout all phases of the loan process.
Retail Government Underwriter
MUFG Union Bank
Tempe, AZ
08.2015 - 06.2018
- Successfully achieved and exceeded monthly/quarterly production goals for funding while consistently maintaining initial decisions
- Revised FHA Underwriter Job Aid which resulted in making the underwriting review process more efficient
- Job aid was implemented companywide
- Monitored the government scenario mailbox providing guidance to sales agents and managers that increased FHA submissions.
Consumer Loan Underwriter 3
Wells Fargo Home Mortgage
Tempe, AZ
09.2010 - 08.2015
- Obtained DE Certification {GF 94}, passed all test cases, successfully completed required number of appraisal reviews
- Leveraged knowledge of loan products to restructure turned-down loans for subsequent approvals while insuring loans were in compliance with lending, government and underwriting guidelines
- Team Lead Duties, managing daily file flow, assigning new loans, kept Underwriters updated any new or changes in guidelines and new programs resolved any issues with KPsales and customer service complaints and assisted underwriters with reworking loans for counter offers.
Education
Skills
- Morgage Underwriting
- Conventional Loans
- FHA Loans
- Pre-qualifying Buyers
- Loan Approval
- Communication
- Encompass
- Appraisal Reviews
- Conditional Commitments
- Manufactured Home Loan Programs
- Follow-through
- Funding Goals
- FHA Underwriting
- Efficiency Improvement
- Government Scenario Guidance
- Consumer Loan Underwriting
- DE Certification
- Loan Restructuring
- Compliance with Guidelines
- Team Management
- Business Management
- Finance
Educationlocation
Tempe, AZ
Educationinstitution
Maricopa Community Colleges -Rio Salado Community College
References
Available Upon Request
Timeline
Senior Underwriting 3
NFM Lending
01.2022 - 05.2022
FHA DE Underwriter 3
Sierra Pacific Mortgage
09.2019 - 09.2021
Retail Government Underwriter
MUFG Union Bank
08.2015 - 06.2018
Consumer Loan Underwriter 3
Wells Fargo Home Mortgage
09.2010 - 08.2015
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