Kelvin Buckner
Redford,USA
Summary
Mortgage Underwriter specializing in risk analysis and problem identification for mortgage applications. Expertise in collaborating with underwriters, originators, and processors to ensure high-quality outcomes. Strong commitment to ethical practices and compliance with federal regulations, including the Fair Housing Act. Completed FHA and Manual FHA Underwriting Training, with extensive experience in underwriting conventional, non-QM, and jumbo loans, as well as proficiency in AUS systems like DU, LP, and LPA, and familiarity with Encompass, Meridian Link, LendingPad, and LoanPro LOS.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Change Lending
Irvine, CA
08.2022 - Current
- Underwrote NON-QM, conventional, jumbo, VA, FHA, and other loan types.
- Analyzed loan risks and ensured qualifications per lender or investor requirements.
- Reviewed credit documents for accuracy and consistency in loan file information.
- Verified asset statements, conditions for LOX, gift letters, VOE and VOD.
- Corrected discrepancies in appraisal reports and ordered updates as necessary.
- Reviewed title reports and resolved closing issues with agents regarding property taxes.
- Identified loan risk factors using resources to detect inconsistencies and clear red flags.
- Managed loan pipeline by prioritizing underwriting based on status and urgency.
Senior Mortgage Underwriter
Movement Mortgage
Chesapeake, SC
09.2021 - 08.2022
- Determined loan completeness and accuracy through detailed analysis of mortgage applications, appraisals, and property valuations.
- Requested additional documents from borrowers to assess loan risk effectively.
- Assessed financial information, including asset statements, to evaluate borrowers' repayment ability.
- Analyzed capacity, credit, cash flow, and collateral to establish loan approval or denial.
- Calculated debt-to-income ratios using various financial statements to determine loan eligibility.
- Evaluated mortgage risks based on underwriting guidelines to ensure compliance with investor requirements.
- Collaborated with loan originators and processors to accurately review applications and associated risks.
- Conducted quality control audits on underwritten loans for accuracy and compliance with company policies.
Mortgage Underwriter III
Sistar Mortgage Company
Sterling Heights, Michigan
11.2020 - 09.2021
- Analyzed mortgage applications, appraisals, and property title reports for completeness and accuracy.
- Evaluated mortgage loan risk through sound underwriting decisions.
- Requested additional documentation from borrowers to assess loan risk.
- Calculated debt-to-income ratios using financial statements to evaluate loan eligibility.
- Conducted thorough reviews of self-employed applicants' income and financial statements to ascertain sustainable earnings.
- Managed loan pipeline, exceeding production goals of 25 to 50 loans per day.
- Provided support and guidance to junior underwriters and team members.
- Communicated loan decisions clearly to all relevant parties.
Mortgage Underwriter
United Wholesale Mortgage
Pontiac, MI
09.2019 - 11.2020
- Analyzed mortgage applications and property reports to ensure loan completeness and accuracy.
- Evaluated mortgage loan risk through informed underwriting decisions.
- Requested additional documentation from borrowers to assess loan risk effectively.
- Communicated identified conditions for approval with applicants and internal teams.
- Assessed financial capacity, credit, cash, and collateral for loan approval or counteroffers.
- Utilized financial statements to calculate debt-to-income ratios for loan eligibility.
- Resolved underwriting issues related to property taxes before and after closing.
- Reviewed tax returns and financial statements to evaluate ongoing cash flow for repayment.
Education
Bachelor of Science - Accounting And Finance
Western Governors University
Grand Rapids, MI12.2025
Associate of Science - Paralegal Studies
National Paralegal College
Phoenix, AZ12.2018
Skills
- Loan origination systems expertise: Encompass, LendingPad, Meridian Link, LoanPro
- Automated underwriting systems knowledge: DU, LP, LPA
- Financial analysis and risk assessment
- Regulatory compliance and underwriting
- Effective communication and attention to detail
- Time management and decision-making
- Jumbo loan expertise
- Residential mortgage regulations knowledge
- FNMA guidelines understanding
- Collateral valuation and documentation review
- Income verification and application analysis
- Asset statements and credit analysis
- Debt-to-income ratios and LTV calculations
- Underwriting guidelines adherence
- NMLS registration compliance
- Adaptability and analytical thinking
- FHA loan training
Accomplishments
- Awarded Rising Star Underwriter in 2023 and 2024
- Award for Achievement of Production and Proformance 2024
- Leadership & Management Award 2024
Certification
- Certified FHA Manuel Underwriter: Certified on: 10/2025 Certification Course By: National Association of Mortgage Underwriters.
- FHA/VA Loan Underwriting Certificate of Completion Awarded: 09/2025 Awarded & Course By: OnCourse Learning
- Conventional Loan Underwriting Certificate of Completion Awarded: 09/2019 training and Course by: United Wholesale Mortgage
- Non-QM and Jumbo Underwriter Certificate of Completion Awarded: 08/2022 Training and Course by: Change Wholesale Mortgage
References
References available upon request.
Timeline
Mortgage Underwriter
Change Lending
08.2022 - Current
Senior Mortgage Underwriter
Movement Mortgage
09.2021 - 08.2022
Mortgage Underwriter III
Sistar Mortgage Company
11.2020 - 09.2021
Mortgage Underwriter
United Wholesale Mortgage
09.2019 - 11.2020
Bachelor of Science - Accounting And Finance
Western Governors University
Associate of Science - Paralegal Studies
National Paralegal College