Kelly Smith
Hartselle,AL
Summary
Highly skilled and seasoned mortgage underwriter of over 10 years experience in underwriting FHA, USDA, VA and Conventional loans. Meticulous Senior Mortgage Underwriter certified in FHA DE-CHUMS and VA Lenders Staff Appraisal. Skillful in researching applicant's employment and financial history, documenting reasons for approval or rejection and evaluating loans for accuracy and completeness. Familiar with home loans and residential mortgages such as FHA, USDA and VA conventional loan guidelines.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Underwriter IV
Silverton Mortgage, Inc
Atlanta, GA
08.2023 - Current
- Analyzed loan to value ratios, debt in income ratios and credit scores to make underwriting decisions
- Inspected financial statements, credit information. and title data to complete underwriting process.
- Analyzed applicants financial status, credit and property evaluation to determine feasibility of granting loan.
- Extensive experience in underwriting FHA, USDA, VA and Conventional loans
- Experienced with several down payment assistance programs and guidelines.
Senior Mortgage Underwriter
Summit Funding
Sacramento, CA
10.2020 - 11.2022
- Analyzed loan to value ratios, debt in income ratios and credit scores to make underwriting decisions
- Inspected financial statements, credit information. and title data to complete underwriting process.
- Analyzed applicants financial status, credit and property evaluation to determine feasibility of granting loan.
- Extensive experience in underwriting FHA, USDA, VA and Conventional loans
- Experienced with several down payment assistance programs and guidelines.
Senior Mortgage Underwriter
Stockton Mortgage
Frankfort, KY
08.2020 - 10.2020
- Analyzed applicants financial status, credit and property evaluation to determine feasibility of granting a loan.
- Evaluated mortgage loan risk based on sound underwriting sections.
Senior Mortgage Underwriter
Hometown Lenders, Inc
Huntsville, AL
10.2019 - 07.2020
- Analyzed loan-to-value ratios, debit to income ratios and credit scores to make underwriting decisions.
- Inspected financial statements, credit information and title data to completed underwriting process.
- Analyzed applicants financial status, credit and property evaluation to determine feasibility of granting loan.
- Extensive knowledge with several down payment assistance programs
- Extensive experience in underwriting FHA, USDA, VA and Conventional loans.
Senior Mortgage Underwriter
Home Point Financial -formally Platinum Mortgage
Madison, AL
05.2019 - 10.2019
- Analyzed credit, income, and collateral and approval or denied based on assessment of risk in compliance and polices and guidelines.
- Communicated efficiently and effectively with loan processors, loan originators and management to ensure a smooth loan process.
- Conducted efficient pipeline management while maintaining optimum underwriting quality.
- Worked in a team environment to make sure that all work related goals and timeline were met.
- Extensive experience in underwriting FHA, USDA, VA and Conventional loans.
Senor Mortgage Underwriter
Platinum Mortgage, Inc
Madison, AL
02.2015 - 05.2019
- Analyzed credit, income, and collateral and approval or denied based on assessment of risk in compliance and polices and guidelines.
- Communicated efficiently and effectively with loan processors, loan originators and management to ensure a smooth loan process.
- Conducted efficient pipeline management while maintaining optimum underwriting quality.
- Worked in a team environment to make sure that all work related goals and timeline were met.
- Extensive experience in underwriting FHA, USDA, VA and Conventional loans.
Customer Service Representative
BBVA Compass Bank
Decatur, AL
03.2014 - 12.2014
- Answered inbound calls, chats and emails to facilitate customer service.
- Educated customers on special pricing opportunities and company offerings.
Jr Mortgage Underwriter-Wholesale Coordinator
Platinum Mortgage, Inc
Madison, AL
03.2009 - 08.2013
- Inspected financial statements, credit information and title data to complete underwriting process.
- Reviewed conditions and communicated with brokers and account executives to requested additional information.
Loan Processor
P. Fagan Mortgage/Albany Home Loans
Decatur, AL
02.2004 - 12.2008
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Reviewed initial client documentation to structure and submit loan package.
- Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.
Education
High School Diploma -
Bedford-North Lawrence High School
Bedford, INSkills
- Mortgage credit expertise
- Down payment assistance expertise
- Encompass and software proficiency
- Meticulous attention to detail
- Quality work performance
- Excellent verbal and written communication skills
Certification
- Certified DE Underwriter, CHUMS ID HY33
- VA Lender's Staff Appraisal Reviewer, SAR ID #021840
Timeline
Underwriter IV
Silverton Mortgage, Inc
08.2023 - Current
Senior Mortgage Underwriter
Summit Funding
10.2020 - 11.2022
Senior Mortgage Underwriter
Stockton Mortgage
08.2020 - 10.2020
Senior Mortgage Underwriter
Hometown Lenders, Inc
10.2019 - 07.2020
Senior Mortgage Underwriter
Home Point Financial -formally Platinum Mortgage
05.2019 - 10.2019
Senor Mortgage Underwriter
Platinum Mortgage, Inc
02.2015 - 05.2019
Customer Service Representative
BBVA Compass Bank
03.2014 - 12.2014
Jr Mortgage Underwriter-Wholesale Coordinator
Platinum Mortgage, Inc
03.2009 - 08.2013
Loan Processor
P. Fagan Mortgage/Albany Home Loans
02.2004 - 12.2008
High School Diploma -
Bedford-North Lawrence High School