Kellee West

• Reviewed and assessed mortgage applications for compliance with company standards and regulatory requirements.
• Performed comprehensive risk assessments to determine loan eligibility based on borrower profiles.
• Analyzed property appraisals to confirm value and ensure adherence to loan-to-value ratios.
• Implemented fraud detection measures during the underwriting process to safeguard company assets.
• Facilitated effective communication with loan officers and agents to expedite the underwriting process.
• Analyzed financial information including income, assets, liabilities and credit history of applicants.
• Resolved discrepancies between customer documentation and internal records.
• Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
• Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
• Reviewed property appraisals to ensure accurate valuation and compliance with standards.

Oversaw review, analysis, and underwriting of complex individual consumer requests and products within company and industry guidelines.

• Performed reviewing of financial statements, credit reports, and applicable ratios (debt ratios, loan-to-value).
• Examined transactions to ensure accuracy and completeness.
• Ensured that documents consistent and upheld to company and industry guidelines.
• Implemented fraud detection techniques and performing compliance reviews.
• Non-QM Loan Underwriting
• Multi-Family Underwriting
• Asset Based Lending
• Reviewed and evaluated mortgage applications for accuracy, completeness, and compliance with company guidelines.
• Conducted detailed risk assessments to determine insurability and appropriate premium pricing for each application.
• Collaborated with loan officers and agents to gather necessary documentation and clarify underwriting guidelines.
• Analyzed credit reports, income statements, and asset documentation to assess borrower eligibility.
• Maintained up-to-date knowledge of regulatory changes and industry trends to ensure compliance in underwriting processes.
• Utilized proprietary software to streamline underwriting processes and enhance workflow efficiency.
• Communicated underwriting decisions effectively to clients and stakeholders, providing clear explanations for approvals or denials.
• Identified and flagged potential fraud indicators during the underwriting process to protect company assets.
• Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
• Analyzed financial information including income, assets, liabilities and credit history of applicants.
• Reviewed property appraisals to ensure accurate valuation and compliance with standards.

• Verified patient insurance coverage and financial data to ensure accurate billing.
• Collected co-pays and deductibles before patient consultations, adhering to established policies.
• Explained forms and payment processes to patients, clarifying medical service fees.
• Greeted patients and recorded essential information during Emergency Department registration.
• Digitized patient records to enhance accessibility and streamline information retrieval.
• Answered phone calls and redirected inquiries to appropriate personnel for efficient communication.
• Validated medical insurance coverage to confirm eligibility prior to services rendered.

• Reviewed, analyzed, and performed underwriting of complex individual consumer requests and products within company and industry guidelines.
• Performed reviewing of financial statements, credit reports, and applicable ratios (debt ratios, loan-to-value).
• Examined transactions to ensure accuracy and completeness.
• Prepared formal reports for review.
• Ensured that documents consistent and upheld to company and industry guidelines.
• Implemented fraud detection techniques and performing compliance reviews.
• Non-QM Loan Underwriting
• Maintained relationships with brokers with loans in pipeline
• Multi-Family Underwriting
• Asset Based Lending
• Reviewed property appraisals to ensure accurate valuation and compliance with standards.

• Oversaw review, analysis, and underwriting of complex individual consumer requests and products within company and industry guidelines.
• Performed reviewing of financial statements, credit reports, and applicable ratios (debt ratios, loan-to-value).
• Examined transactions to ensure accuracy and completeness.
• Ensured that documents consistent and upheld to company and industry guidelines.
• Implemented fraud detection techniques and performing compliance reviews.
• Non-QM Loan Underwriting
• Multi-Family Underwriting
• Asset Based Lending
• FHA/Fannie Mae/Freddie Mac
• Performed in-depth risk assessments to determine loan eligibility and compliance with underwriting standards.
• Reviewed borrower documentation to verify income, assets, and creditworthiness while ensuring adherence to company guidelines.
• Collaborated with loan officers and brokers to resolve any discrepancies in financial documentation.
• Assessed and analyzed complex loan applications, considering unique borrower circumstances and market conditions.
• Maintained up-to-date knowledge of industry regulations and changes to ensure compliant underwriting practices.
• Evaluated property values through comprehensive appraisal reviews to ensure accurate loan-to-value ratios.
• Interpreted and applied guidelines from various investors to streamline the underwriting process for specific loan products.
• Handled escalated loan disputes, providing expert recommendations and solutions to resolve issues efficiently.
• Documented all decisions made during the underwriting process in accordance with regulatory requirements.

• Reviewed, analyzed, and performed underwriting of complex individual consumer requests and products within company and industry guidelines.
• Performed reviewing of financial statements, credit reports, and applicable ratios (debt ratios, loan-to-value).
• Examined transactions to ensure accuracy and completeness.
• Implemented fraud detection techniques and performing compliance reviews.
• Non-QM Loan Underwriting
• Multi-Family Underwriting
• Asset Based Lending
• FHA/Fannie Mae/Freddie Mac

• Provided leadership, support, and guidance to underwriting team and jumbo loan department.
• Led in ensuring that underwriting and processing team complied with goals, objectives, and standards of organization to meet customer satisfaction and deadlines.
• Participated in development and supervising of team members, including decisions relative to performance reviews, terminations, hires, discipline, and salary actions.
• Participated in formulation of work procedures, policies, and methods to ensure compliance with legal, investor, regulatory, and business policies which directly affected work unit but may have indirect, if any, effect on other departments and outside customers.
• Non-QM Loan Underwriting
• Maintained relationships with Branches with loans in pipeline
• Multi-Family Underwriting
• Asset Based Lending
• FHA/Fannie Mae/Freddie Mac

• Supervised non-agency jumbo underwriters with accountability for ensuring quality customer service provided to internal/external customers.
• Participated in development and supervising of team members, including decisions relative to performance reviews, terminations, hires, discipline, and salary actions.
• Took part in formulation of work procedures, policies, and methods to ensure compliance with legal, investor, regulatory, and business policies which directly affected work unit but may have indirect, if any, effect on other departments or outside customers.
• Selected to review and revise correspondent credit UW training platform to ensure that all material provided to new hires corresponds to training and procedures of channel.
• Reviewed and revised UW assessment testing and appraisal recertification testing to ensure that required testing for channel matched guideline exposure aligned with channel and selected to lead development of training and development platform/curriculum for new hires and junior UW transitioning into full UW role.
• Selected as delivery manager for all contingent employees for correspondent underwriting for Chase.
• Chosen to contribute to alignment of current credit policy to industry requirements set into place January 2014.

• Guided reviewing, analyzing, and underwriting complex individual consumer requests and products within company and industry guidelines.
• Performed review of financial statements, credit reports, and applicable ratios (debt ratios, loan-to-value).
• Examined transactions to ensure accuracy and completeness.
• Care Access Concierge
• Emergency Department Registrar
• Commercial Lending
• Asset Based Lending
• Multi Family Lending
• Credit Risk Analysis
• Quality Control Underwriting
• Due Diligence Underwriting