Kelli McChristian

- Analyze credit, income, assets, and property valuation to underwrite Non-Conforming Conventional, and FHA, loans.

- Ensure all loans meet investor guidelines and comply with state and federal regulations.

- Review loan documents for accuracy and completeness, including credit reports, income documentation, and appraisals.

- Work closely with loan processors, loan officers, and management to resolve any issues or discrepancies.

- Mentor and train junior underwriters.

• Verified integrity of applicants' information to minimize fraud.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Checked personal and team calculations to validate information and underwriting decisions.
• Trained junior team members in underwriting procedures and loan quality grading standards.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.