Kelli McChristian
Yucaipa,CA
Summary
Highly skilled Senior Mortgage Underwriter with extensive experience in analyzing and evaluating mortgage applications, ensuring compliance with regulatory guidelines, and mitigating risk for lending institutions. Proven track record of making sound underwriting decisions, maintaining high accuracy levels, and fostering positive relationships with clients and colleagues. Seeking a challenging opportunity to contribute expertise and leadership within a reputable financial institution.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
Wells Fargo, NA
San Bernardino, CA
10.2011 - 05.2023
- Assess mortgage applications, reviewing applicant financial documents, credit history, employment history, and property details to determine eligibility for loans.
- Analyze complex financial information, including tax returns, bank statements, and credit reports, to assess borrowers' ability to repay loans and evaluate risk.
- Ensure compliance with company policies, industry regulations, and underwriting guidelines, including Fannie Mae, Freddie Mac, FHA, and VA standards.
- Communicate effectively with loan officers, processors, and borrowers to obtain additional documentation, clarify information, and address any concerns or questions.
- Make underwriting decisions based on thorough analysis, balancing risk factors, loan-to-value ratios, and creditworthiness to approve or deny mortgage applications.
- Provide guidance and mentorship to junior underwriters, offering training on underwriting practices, policy updates, and regulatory changes.
- Collaborate with internal departments, including legal, compliance, and quality assurance, to resolve complex underwriting issues and ensure loan files meet all requirements.
- Conduct periodic reviews and audits of underwriting files to maintain quality standards, identify areas for improvement, and implement corrective actions as needed.
Senior FHA Mortgage Underwriter
Bank of America/Countrywide
Redlands, CA
03.2001 - 09.2011
- Conduct comprehensive analysis of mortgage applications to determine eligibility for FHA-insured loans, evaluating borrower creditworthiness, income documentation, and property appraisal reports.
- Ensure compliance with FHA guidelines, policies, and underwriting standards, maintaining a thorough understanding of HUD regulations and updates.
- Review complex financial documents, including tax returns, W-2 forms, pay stubs, and bank statements, to assess borrowers' ability to repay loans and mitigate risk.
- Utilize underwriting software systems such as FHA Connection and Total Scorecard to input application data, obtain automated underwriting findings, and generate credit risk assessments.
- Make underwriting decisions based on careful analysis of loan-to-value ratios, debt-to-income ratios, and credit profiles, ensuring loans meet FHA eligibility criteria.
- Collaborate with internal teams, including compliance, quality assurance, and closing departments, to resolve complex underwriting issues and ensure loan files meet FHA requirements.
- Stay informed about industry trends, regulatory changes, and FHA program updates through ongoing training, seminars, and professional development opportunities.
Education
High School Diploma -
Redlands Unified School District
Redlands, CA06-1993
Skills
- Proficient in underwriting software systems such as Core, LIS and DU/LP
- Strong analytical skills with the ability to interpret complex financial information
- Excellent communication and interpersonal skills
- Thorough understanding of mortgage lending regulations and guidelines
- Detail-oriented with a focus on accuracy and quality
- Ability to work effectively in a fast-paced, deadline-driven environment
- Leadership and mentorship abilities to support junior underwriters and contribute to team success
Accomplishments
- Customer Service Excellence Awards
- Quality Insurance Service Awards
Certification
- Direct Endorsement Underwriter Certification
References
References available upon request.
Timeline
Senior Mortgage Underwriter
Wells Fargo, NA
10.2011 - 05.2023
Senior FHA Mortgage Underwriter
Bank of America/Countrywide
03.2001 - 09.2011
High School Diploma -
Redlands Unified School District
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