Ken Vaillancourt
Summary
Frontline underwriter with extensive experience in lending; Conforming (DU & LP), Jumbo/Non-conforming, and HELOC. Demonstrated ability to support fulfillment teams and enhance client education on mortgage processes. Maintains strong communication with all transaction parties to achieve shared goals.
Overview
31
31
years of professional experience
Work History
Senior Product Analyst
Independence Realty
San Diego, California
05.2023 - 12.2025
- Reviewed financial documents to determine borrower eligibility for loans and refinancing options.
- Collaborated with over 20 real estate agents to ensure seamless property transactions.
- Educated clients on mortgage processes to enhance understanding of financing options.
- Maintained accurate records of client interactions and loan progress in company database.
- Provided guidance on mortgage products to assist clients in selecting suitable options.
- Performed follow-ups with customers post-closing to ensure satisfaction and address concerns.
- Researched market trends to support property valuation decisions using MLS data.
- Utilized software programs to generate comprehensive analyses of property values.
Senior Underwriter III
US Bank
02.2021 - 05.2023
- Served as retail and wholesale underwriter with signing authority up to $4 million.
- Conducted final reviews of appraisals, maintaining open communication with appraisers.
- Prepared presentations summarizing appraisal findings for supervisor and management review.
- Contributed significantly to high-performing teams that consistently met performance goals.
- Demonstrated expertise in title requirements, entity vesting, and entity analysis.
- Utilized diverse risk management tools and techniques to support decision-making.
- Managed a complex client base, including self-employed borrowers with multiple income streams.
- Applied critical thinking skills to evaluate data, assess risks, and determine downstream impacts.
Contract Underwriter
Multiple Banks, Mortgage Companies & Credit Unions
San Diego, California
08.2007 - 02.2021
- Specialized as senior underwriter and quality control expert across multiple mortgage companies and credit unions.
- Served as subject matter expert on mortgage products, documents, processes, and procedures.
- Conducted audits and provided loss mitigation insights with expertise in modifications and short sales.
- Functioned as mortgage loan officer from 2008 to 2012, delivering portfolio products for wealth managers in coastal communities.
- Possessed extensive knowledge of conventional and government business portfolio guidelines.
- Managed multiple tasks involving sales processing, escrow, and closing functions efficiently.
Senior Underwriter
JP Morgan Chase
08.1994 - 08.2007
- Managed non-conforming manual underwritten loans for affluent clients with lending authority up to $4 million.
- Conducted secondary collateral reviews, ensuring accuracy and compliance with regulations.
- Reviewed conditions and appraisals prior to closing to facilitate seamless transactions.
- Achieved President's Club recognition six times for outstanding production and customer service.
- Accumulated over two years as quality control specialist for conventional loan processes.
- Served as trainer liaison among underwriters, processors, and closing departments to enhance collaboration.
Education
Bachelor of Science - Economics w/Math
Illinois State University
Normal, ILSkills
- Appraisal methodology
- Report writing
- Credit analytics
- Market analysis
- DU/LP expertise
- Encompass and empower LOS
- Training and mentoring
- Effective communication
- Property evaluation
Timeline
Senior Product Analyst
Independence Realty
05.2023 - 12.2025
Senior Underwriter III
US Bank
02.2021 - 05.2023
Contract Underwriter
Multiple Banks, Mortgage Companies & Credit Unions
08.2007 - 02.2021
Senior Underwriter
JP Morgan Chase
08.1994 - 08.2007
Bachelor of Science - Economics w/Math
Illinois State University