Kay Leyhew

Underwrote various types of loans with a very detailed overview ensuring adherence to the guidelines.

Calculated income according to the strict standards of each product/loan type.

Completed a detailed review of bank statements ensuring liabilities and income were showing accurately on applications.

Total review of credit reports ensuring ability to handle credit and pay debts in a timely maner.

• Approved or denied loans based on established criteria and underwriting guidelines.
• Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
• Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.