Kelli Thompson
McKinney,TX
Summary
An astute and methodical Senior Mortgage Underwriter, I possess a significant background in working with diverse loan programs and application scenarios. I am proficient in reviewing comprehensive applications and supporting documents, utilizing various skills and a strong knowledge base.
Overview
23
23
years of professional experience
Work History
Sr. Mortgage Underwriter
Pilgrim Mortgage
07.2019 - Current
- Underwrite loans according to FNMA/FHLMC/FHA/VA/USDA guidelines, including any additional investor overlays.
- Underwrite loans to various bond programs, such as TDHCA, TSAHC, CHENOA and others as well as underwrite manufactured homes
- Clear conditions in a timely manner and communicate with closers and processors to insure smooth closings
- Communicate with loan officers and processors regarding underwriting decisions and work with them on various scenarios and income calculations
- Attend various training seminars to stay abreast of all industry guideline changes.
- Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verify integrity of applicants' information to minimize fraud.
- Ensure compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Foster a positive team environment by maintaining open lines of communication and supporting colleagues in their professional development.
Sr. Mortgage Underwriter
Thrive Mortgage / Georgetown Mortgage
04.2018 - 04.2019
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Assessed credit risks by preemptively examining files and cross-referencing data with internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Sr. Mortgage Underwriter
First United Bank
01.2017 - 04.2018
- Underwrite loans according to FNMA/FHLMC/FHA/VA guidelines and company-specific overlays.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Communicate with loan officers and processors regarding underwriting decisions, as well as work with them on various loan scenarios
- Attend various training seminars to stay abreast of all industry guideline changes.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Checked personal and team calculations to validate information and underwriting decisions.
- Fostered a positive team environment by maintaining open lines of communication and supporting colleagues in their professional development.
Sr. Mortgage Underwriter
Benchmark Bank (Affiliated Mortgage)
07.2012 - 12.2016
- Underwrote loans according to FNMA/FHLMC/FHA/VA/USDA and various investor guidelines.
- Determined credit risk on all company portfolio loans and underwrote all company employee loans
- Underwrote single-closing and dual-closing transactions. Underwrite jumbo loans up to $2 million.
- Communicated with loan officers and processors regarding credit underwriting decisions, as well as work with them on various loan scenarios
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Sr. Mortgage Underwriter
Town Square Mortgage (First National Bank of Wichita Falls)
08.2011 - 06.2012
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Checked personal and team calculations to validate information and underwriting decisions.
- Contributed to the development of departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
Sr. Mortgage Underwriter
Willow Bend Mortgage
11.2005 - 07.2011
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Contributed to the development of departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed.
- Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
DE Underwriter
Wells Fargo Mortgage
02.2001 - 07.2001
- Conducted thorough income analyses, verifying employment and sources of income for accurate financial assessment of borrowers.
- Examined credit, income and asset documents and reviewed title policy and appraisals
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring accurate risk assessments and decisionmaking.
Education
No Degree - Broadcast Journalism
University of Oklahoma
Norman, OKNo Degree - Broadcast Journalism
Texas Christian University
Fort Worth, TXSkills
- FNMA/ FHLMC/FHA/VA/USDA
- Strong decision-making skills
- DE CHUMS with HUD/FHA
- VA SAR
- Encompass, DU, LP, GUS experience
- One and Two Time Close experience
- Manufactured home underwriting experience
- Portfolio loan experience
- Non-QM experience
- Manual underwriting experience with government loans
- Training experience
- Financial analysis experience with SE borrowers
Certification
- DE / CHUMS #AA67
- LAPP / SAR #010486
Hobbies
In my personal time, I enjoy knitting, gardening, and spending time with my family.
Timeline
Sr. Mortgage Underwriter
Pilgrim Mortgage
07.2019 - Current
Sr. Mortgage Underwriter
Thrive Mortgage / Georgetown Mortgage
04.2018 - 04.2019
Sr. Mortgage Underwriter
First United Bank
01.2017 - 04.2018
Sr. Mortgage Underwriter
Benchmark Bank (Affiliated Mortgage)
07.2012 - 12.2016
Sr. Mortgage Underwriter
Town Square Mortgage (First National Bank of Wichita Falls)
08.2011 - 06.2012
Sr. Mortgage Underwriter
Willow Bend Mortgage
11.2005 - 07.2011
DE Underwriter
Wells Fargo Mortgage
02.2001 - 07.2001
No Degree - Broadcast Journalism
University of Oklahoma
No Degree - Broadcast Journalism
Texas Christian University
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