Kelvin Fenton
Goodyear,AZ
Summary
Credit Underwriting professional delivering accurate, timely decisions across the full loan lifecycle. Reviews credit, income, assets, liabilities, and closing documentation to verify eligibility. Applies credit and agency guidelines to support sound approvals and clean funding in high-volume pipelines.
Overview
1
1
Certification
13
13
years of professional experience
Work History
Senior Underwriter
Prosperity Home Mortgage
06.2021 - Current
- Underwrite an average of 70-90 residential loan files per month end-to-end, from initial submission through funding, while maintaining a 0.02% defect rate and consistently meeting turnaround time (TAT) targets.
- Managed full loan lifecycle from initial underwriting through pre-approval and clear-to-close (CTC), ensuring accuracy of closing disclosures and final closing packages prior to wire release.
- Evaluated automated underwriting findings using Desktop Underwriter (DU) and Loan Product Advisor (LPA), applying underwriting conditions and risk-based judgment to support sound lending decisions.
- Analyze borrower creditworthiness by reviewing credit reports, income documentation, asset verification, and liabilities; calculate qualifying income and debt-to-income ratios in accordance with Agency guidelines.
- Updated loan estimates and managed rate locks per broker requests, ensuring compliance and accuracy throughout the process to facilitate timely transactions.
Senior Underwriter
One American Mortgage
07.2019 - 06.2021
- Conducted comprehensive credit analysis — reviewing credit reports, income, assets, employment, and liabilities — to assess borrower risk and determine loan eligibility.
- Analyzed DU and LPA findings, applying underwriting judgment to identify risk factors, escalate exceptions, and establish appropriate conditions for loan approval.
- Reviewed and cleared underwriting conditions from initial submission to clear-to-close, verifying documentation completeness to facilitate timely loan decisions.
- Managed underwriting workflow, documentation, and decision tracking within Encompass loan origination system to ensure efficiency in high-volume production pipeline.
- Prepared closing documentation and reviewed final loan packages to support timely, compliant funding while consistently meeting quality and TAT standards.
Realtor
Coldwell Banker
08.2017 - 01.2021
- Guided buyers and sellers through residential real estate transactions, including offer negotiation and closing coordination.
- Reviewed closing documents for accuracy while managing active client pipeline from lead to close, ensuring smooth transactions.
- Operated independent real estate practice alongside full-time underwriting, overseeing client relationships and transaction documentation for seamless execution.
Quality Assurance Analyst
McKesson
11.2018 - 03.2019
- Led weekly performance review meetings with agents, providing coaching and documented feedback to enhance individual and team performance.
- Delivered training sessions for internal staff and client teams on quality standards and process updates, fostering a culture of continuous improvement.
- Audited 30 calls and case files daily for accuracy, compliance, and quality standards, ensuring adherence to established guidelines.
Senior Mortgage Loan Closer / Junior Underwriter
JPMorgan Chase
03.2015 - 08.2017
- Completed over 5,000 loans, ranking in the top 3% of the company for volume; received multiple customer service awards.
- Specialized in FHA/VA loans and jumbo and commercial loan files, underwriting and closing purchase and refinance transactions across nearly every state.
- Reviewed HUD-1 settlement statements and closing documents to approve files for timely signing and funding.
- Verified and transmitted wire releases to title and escrow companies, collaborating with mortgage bankers and title companies to ensure smooth closing processes.
- Processed loans part-time while efficiently closing and underwriting files using Empower CRM.
Manager
Envision
01.2014 - 01.2015
- Managed and trained a team of 10 employees, including performance evaluations and coaching.
- Conducted client outreach calls to discuss financing options, documenting all correspondence for compliance and follow-up.
- Underwrote loans for student loan repayment financing program, ensuring timely processing of payments.
Education
Biology (Minor: Computer Science)
MacMurray College
Jacksonville, ILSkills
- Expertise in underwriting processes
- Knowledge of conventional and commercial guidelines
- Experience with automated underwriting (DU/LPA)
- CTC condition clearing proficiency
- Loan documentation review capabilities
- Reviewing closing disclosures and funding documents
- Income and asset calculation skills
- Debt-to-income (DTI) analysis techniques
- Credit risk assessment skills
- Conducting effective credit analysis
- Creditworthiness evaluation
- Management of turnaround times (TAT)
- High-volume pipeline management capabilities
- Understanding of underwriting guidelines
- Regulatory compliance and audit preparedness
- Adherence to Fannie Mae/Freddie Mac standards
- Fraud detection and red flag identification
- Quality control measures for defect reduction
- Risk assessment practices
- Proficient in Encompass LOS software usage
- Document review expertise
- Underwriting risk mitigation strategies
- Management of caseloads effectively
- Creditworthiness assessment
- Income calculation
- Defect Rate 002 per 1,000 loans
Certification
- California Real Estate License #01965299
- Cybersecurity Certification
Timeline
Senior Underwriter
Prosperity Home Mortgage
06.2021 - Current
Senior Underwriter
One American Mortgage
07.2019 - 06.2021
Quality Assurance Analyst
McKesson
11.2018 - 03.2019
Realtor
Coldwell Banker
08.2017 - 01.2021
Senior Mortgage Loan Closer / Junior Underwriter
JPMorgan Chase
03.2015 - 08.2017
Manager
Envision
01.2014 - 01.2015
Biology (Minor: Computer Science)
MacMurray College