KELLI MCCHRISTIAN
Freedom Mortgage
Yucaipa,CA
1
Certification
26
years of professional experience
Seasoned Mortgage Underwriter with 27 years of experience in FHA and conventional refinance loan underwriting. Expertise in managing files through all underwriting stages, emphasizing documentation analysis, compliance, and risk assessment. Proven success in remote and hybrid environments, collaborating with loan teams to resolve conditions and facilitate timely approvals.
Work History
Senior Mortgage Underwriter
2 Years 1 Month- Underwrote FHA loans, managing file progression from initial to final underwriting to ensure compliance and timely processing.
- Underwrote conventional refinance loans, including cash-out and rate-and-terms transactions.
- Reviewed borrower documentation to support eligibility and guideline compliance, including credit, income, and property requirements.
- Used DU/LP to review/validate findings and ensure accurate underwriting decisions.
- Coordinated with loan teams to request missing items, clarify documentation, and clear underwriting conditions.
- Coordinated with loan teams to identify and resolve documentation gaps, ensuring clear underwriting conditions for efficient loan processing.
Senior Mortgage Underwriter
11 Years 7 Months- Reviewed applications and supporting documents to ensure accurate loan eligibility assessments, enhancing overall underwriting quality.
- Ensured compliance with company policies and underwriting guidelines, including Fannie Mae, Freddie Mac, FHA, and VA standards.
- Made underwriting decisions using risk factors, LTV, and creditworthiness.
- Reviewed applications and supporting documents to determine eligibility for loans.
- Communicated with loan officers, processors, and borrowers to obtain documentation and resolve conditions.
- Mentored junior underwriters and facilitated training on underwriting practices and regulatory updates, fostering team development and compliance.
- Collaborated with legal, compliance, and quality assurance teams to address and resolve complex underwriting issues, ensuring adherence to industry standards.
- Performed periodic file reviews/audits to maintain quality and implement corrective actions.
Senior FHA Mortgage Underwriter
10 Years 6 Months- Made underwriting decisions using DTI, LTV, and credit profile analysis to meet FHA criteria.
- Determined FHA loan eligibility by evaluating creditworthiness, income documentation, and appraisal/property reports.
- Reviewed complex borrower documentation to identify risks and enhance underwriting decisions.
- Leveraged FHA Connection and Total Scorecard to inform underwriting conclusions and assess credit risk.
- Used FHA Connection and Total Scorecard to support underwriting findings and credit risk assessment.
- Coordinated with compliance, quality assurance, and closing teams to efficiently resolve underwriting issues.
- Stayed current on FHA and regulatory changes through training and professional development.
Education
High School Diploma
Skills
FHA underwriting
File progression management
DU/LP automated underwriting review
Risk analysis expertise
Eligibility verification
Compliance underwriting
Mortgage underwriting systems: Core
LIS
DU/LP
Team collaboration
File audits
FHA underwriting standards
Accomplishments
- Customer Service Excellence Awards
- Quality Service Awards
Certification
Direct Endorsement Underwriter Certification
Timeline
Senior Mortgage Underwriter
Freedom Mortgage
08.2024 - 09.2026Read More
Senior Mortgage Underwriter
Wells Fargo
10.2011 - 05.2023Read More
Senior FHA Mortgage Underwriter
Bank of America / Countrywide
03.2001 - 09.2011Read More
Redlands Unified School District
High School Diploma
Read More