Kedra Vincent
McKinney
Summary
Experienced mortgage professional with over 15 years in the industry, specializing in various loan types including FHA, VA, and conventional loans. Proficient in applying underwriting guidelines and federal regulations to ensure loan qualification and compliance. Skilled in collaborating with mortgage professionals to clarify documentation and resolve issues, facilitating timely loan closures. Demonstrated ability to assess borrower qualifications and recommend appropriate loan products based on risk analysis.
Overview
18
18
years of professional experience
Work History
Underwriter
PennyMac Loan Services
Plano
09.2025 - Current
- Evaluated loan applications and assessed risk factors to guide approval decisions.
- Analyzed credit reports and financial statements to determine borrower eligibility.
- Resolved discrepancies between customer documentation and internal records without delay.
- Inspected financial statements, credit information, and title data to finalize underwriting process.
- Reviewed property appraisals for accurate valuation and compliance with regulations.
- Prepared and presented performance reports on loan activities to senior management.
- Negotiated loan product terms with brokers and agents to enhance outcomes.
- Collaborated with loan originators and processors to gather essential documentation.
Post-Closing QC Auditor (Commercial & Real Estate)
Guaranteed Rate
01.2020 - 10.2022
- Conducted audits on closed mortgage loan files for accuracy and completion and accurately addressed any deficiencies found.
- Performed duties in mortgage systems: Blue Sage Mortgage Origination System (LOS), LT3 (loan tracking system), and AIQ document system.
- Reviewed FHA, VA, CEMA, USDA and FNMA/FHLMC Conventional loans to ensure compliance with company, state, and federal guidelines.
- Maintained relationships with title companies and other departments to obtain any missing or incomplete documentation required.
- Prepared a final package to submit to the commercial underwriter for approval.
- Assisted in developing and launching a new Wealth Management team within the underwriting department.
- Monitor the overall lending process, and identify, resolve, and communicate issues that could impact timely closure of real estate loans.
- Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation.
- Identify potential issues and communicate to consumer and loan officer.
- Order and review all third-party documentation, including credit checks, title reports, appraisals, tax returns, verifications of employment/assets, etc. to identify and address potential issues.
- Stay current with federal, state regulations, policies and industry trends.
- Consistently provided timely reviews and turn-around of loan audits for investors; also followed-up to ensure a smooth transition for everyone involved.
Real Estate Underwriter II
Owning Mortgage
08.2019 - 01.2020
- Validated the accuracy of all calculations and updated data in LOS to ensure data integrity in the AUS response.
- Reviewed and approved third party documents, including purchase contract and addendums, title reports, and other legal documentation.
- Efficiently analyzed borrowers’ financial documents, including financial statements, hardship letters, tax returns, bank statements, pay stubs, profit and loss statements, awards letters, and credit bureau reports.
- Sustaining ongoing relationship with loan officers, processors, and closers to identify potential solutions and/or alternatives for difficult loan files.
- Assist loan officers and processors in understanding the transaction, clarify specific documentation requests and resolve any issues.
- Interviews loan applicants to document income, debt, and credit history.
- Determines if applicant meets establishment standards for further consideration.
- Answers applicant's questions and asks for signature on information authorization forms.
- Submits application forms to Mortgage Loan Processor for verification of application information.
- Calls applicant or other persons to resolve discrepancies, such as credit report showing late payment history.
- Continuously ensured timely escalation to underwriting manager for review of any/all loan level challenges.
Underwriter & Closer
Consolidated Analytics
01.2019 - 07.2019
- Analyzed loan risk by examining credit histories, assets, and collateral, and requested additional documentation as needed.
- Reviewed title commitments, contracts, surveys, PMI certs, lock and approvals; also prepared the mortgage closing package, reviewed and/or approved the HUD-1 documents, balanced the wire, ordered the wire, and funded the loan.
- Completed necessary responsibilities regarding the mortgage process including verifications, calculations, ordering title documents, preparing closing packages.
- Engaged in the follow-up and review of necessary documentation after closing; ensured completion and member satisfaction.
- Research public records and interview all parties involved.
- Analyze data obtained from investigation, document all information obtained, and present findings to client in written form.
- Inform applicant of closing costs such as appraisal, credit report, and notary fees.
- Coordinates the closing with the borrower(s), closing agents, Realtors and others involved in the transaction.
- Informs applicant of loan denial or acceptance.
- Ability to adjust to changing program / Fannie/Freddie guidelines as well a specific US Bank overlays.
- Review, analyze, and approve loan documentation and parameters while adhering to company and industry guidelines.
- Maintained application and disclosure information for mortgage loans; also verified accuracy of information.
Pre-Purchase Compliance Reviewer
Sprout Mortgage
12.2017 - 12.2018
- Performed origination underwriting and retail residential underwriting.
- Thoroughly examined policies and procedures of the department to determine proper policies and procedures.
- Delivered mortgage loan files to underwriting for approval to the title insurance company for closing, and fully completed and documented loan applications to purchasers within established time standards.
- Consistently provided quality control to verify completion and accuracy of progress.
- Responsible for assessing the risk of a loan and making an approval or decline decision based on the quality of the data in the loan file.
- Interacts with Licensed Mortgage Professionals to obtain information from the borrower or to seek clarification about the documents in the loan file.
- Analyze and verify the employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each loan application.
- Apply all internal underwriting guidelines, investor requirements and federal regulations to the decision process to ensure loan qualify.
- Followed the Fannie Mae/Freddie Mac Underwriting guidelines.
Underwriter, Senior Loan Processor, and Post-Closing Specialist
Supreme Lending
12.2014 - 10.2016
- Processed a pipeline of 40-50 loans a month, which included Conventional, FNMA, FHLMC loans and familiar with AUS findings.
- Maintained and exceeded quality and production standards; also ensured sufficient timelines to complete steps within the process.
- Conduct independent evaluation of each recommendation for denial sent by retail operations to ensure evidence supports denial and correct denial reason was used.
- Review loan to determine if borrower qualifies for a counteroffer to another product or terms; full underwriter of loan may be required to access the level of risk under new loan program.
- Review all supporting documentation within imaged loan file, update data integrity fields with accuracy and confirm the validity selected HUMDA codes for accurate government reporting.
- Communicate directly with credit policy staff, Origination and or Risk Management.
- Forwarding referrals to Fraud prevention.
- Use personal knowledge of mortgage industry to identify areas of possible misrepresentation.
- Performed post-audit reviews to determine approval of loans and in compliance with government investors.
- Reviewed various financial documentation and provided conditions for loan approvals necessary to comply with underwriting guidelines: borrower documentation, credit, and collateral documentation.
- Supportively communicated and built relationships with the operations department, executives, and production team members related to underwriting guidelines, loan decision, and documentation requirements.
Compliance Auditor
Bank of America/DISYS
01.2011 - 08.2014
- Completed reviews of close mortgage loan files per scope and guidelines requirements for the secondary market.
- Performed audit origination and closing to ensure all regulations have been met in accordance with TRID and timing requirements.
- Analyzed underwriting findings via DU/GUS/AUS, income and assets, fees and discounts points, and state testing to confirm loan purchase eligibility.
- Identify potential quality loans to be held in portfolio if secondary market guidelines cannot be met.
- Maintain a working knowledge of secondary market underwriting guidelines, private investors, and private mortgage insurance guidelines.
- Responsible for ensuring the borrower’s satisfaction.
- Responsible for working with loan officers in structuring loans to best meet the needs of the borrower.
- Complete the initial review of credit reports, public record searches, judgments, etc.
- Assist with scheduling and preparation for Loan Committee meetings.
- Track all expenses for transaction and pay invoices.
- Manage and finalize all credit files.
- Meticulously verified documentation; ensured client and agency guidelines were followed at all times.
- Confidently determined credit worthiness and possibility of default.
Senior Operation Analyst
Chase Home Finance
12.2007 - 03.2011
- Utilized underwriting tools to ensure loans have met CFPB compliance prior to purchase.
- Confirmed disclosures and loan estimates issued within the Reg Z and RESPA required timeframe.
- Released conditions and suspend loans failing to meet compliance.
- Performed necessary testing and calculations to ensure zero variances in fees from originations to closing.
- Provided feedback and impact analysis on decisions affecting customer-facing agents and call center quality guidelines.
Education
High School Diploma -
Lafayette High School
01.1996
Skills
- Account service excellence
- Auditing and compliance
- Confidentiality and risk management
- Credit analysis and income assessment
- Default and foreclosure management
- Financial documentation and reporting
- Lending and underwriting guidelines
- Loan procedures and mortgage documents
- Loss mitigation strategies
- Negotiation and pricing skills
- Verbal and written communication
- Commercial loans and real estate expertise
- FHA, VA, Fannie Mae, Freddie Mac, USDA knowledge
- Home equity and jumbo loans management
- Portfolio management and underwriting oversight
- Decisiveness in financial decision-making
- Leadership and office management skills
Key Qualifications And Skills
- Account Service Excellence
- Auditing
- Compliance
- Confidentiality
- Credit & Income Analysis
- Default/Foreclosure
- Financial Documentation
- Housing and Urban Development
- Lending & Underwriting Guidelines
- Loan Procedures Loss Mitigation
- Mortgage-Related Documents Negotiation & Pricing
- Verbal & Written Communication
- Loans – Commercial, Real Estate, Mortgage, FHA, VA, Fannie Mae, Freddie Mac, USDA, Hiloc, Home Equity, Jumbo
- Portfolio Management
- Underwriting
- Credit Analysis
- Decisiveness
- Financial Statements
- Conventional loans
- Jumbo loans
- Bonds
- Knowledge of FHA loans
- Home Equity loans
- Housing
- Tenacity
- Communication Skills
- Ability to work independently
- Risk Management
- Residential Loans
- Regulatory reporting
- Internal audits
- Office management
- Leadership
- Commercial Loan
Professional Highlights
- Continuously balance the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability.
- Over 5 years of experience specifically dedicated to regulatory compliance, including the ability to research, review, and interpret legal, statutory, and regulatory documents.
- Over 7 years of mortgage experience, including strong knowledge of mortgage-related documents.
- Vast knowledge in rendering credit decisions for W-2, self-employed, 1099, and business income employees.
- Extensive knowledge and experience of mortgage operations/HMDA/funding policies and procedures, including operational risk policies and procedures, audits, and enterprise-wide policies and procedures.
- Substantive knowledge of federal and state lender/servicer, debt collector, and loan originator laws.
- Demonstrate excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Personal Information
Available: immediate
Timeline
Underwriter
PennyMac Loan Services
09.2025 - Current
Post-Closing QC Auditor (Commercial & Real Estate)
Guaranteed Rate
01.2020 - 10.2022
Real Estate Underwriter II
Owning Mortgage
08.2019 - 01.2020
Underwriter & Closer
Consolidated Analytics
01.2019 - 07.2019
Pre-Purchase Compliance Reviewer
Sprout Mortgage
12.2017 - 12.2018
Underwriter, Senior Loan Processor, and Post-Closing Specialist
Supreme Lending
12.2014 - 10.2016
Compliance Auditor
Bank of America/DISYS
01.2011 - 08.2014
Senior Operation Analyst
Chase Home Finance
12.2007 - 03.2011
High School Diploma -
Lafayette High School