Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic

Kerri Wright

Cle Elum,WA

Summary

Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as a skilled underwriter and manager. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in all loan types.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Senior Mortgage Underwriter DE/SAR

Banner Bank
04.2022 - 01.2024
  • Front line underwriter, maintaining a pipeline of Conventional, FHA, VA, USDA, Bond, Jumbo, Non-QM & Construction loans.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
  • Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.

Underwriting Manager Southeast Division

NFM Lending
06.2019 - 04.2022
  • Ensured efficient workflow management by establishing clear priorities and monitoring progress regularly.
  • Implemented technology solutions to automate various underwriting tasks, increasing efficiency and reducing manual errors.
  • Mentored junior underwriters in best practices, contributing to their professional development within the organization.
  • Managed a high-performing team of underwriters, providing guidance and support to ensure consistent results.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Conducted regular audits of underwriting files, ensuring compliance with regulatory requirements and internal policies.

Underwriting Team Lead

Nations Lending
08.2016 - 06.2019
  • Conducted regular performance reviews for team members, fostering professional growth and promoting a culture of continuous improvement.
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
  • Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.

Senior Mortgage Underwriter IV DE/SAR

Cardinal Financial
05.2013 - 08.2016
  • 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.
  • Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
  • Trained junior team members in underwriting procedures and loan quality grading standards.

Senior Mortgage Underwriter IV DE/SAR

Round Point Mortgage
06.2009 - 05.2013
  • Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
  • Managed a diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.

Education

Associate of Arts -

Jackson Community College
Jackson, TN

Skills

  • HUD Direct Endorsement/VA SAR Designations
  • Strong decision-making
  • Mortgage industry knowledge
  • Loan Underwriting Expertise
  • Quality control measures
  • Automated Underwriting System (AUS)
  • Tax Return Analysis
  • Appraisal Review Expertise
  • Jumbo and Super Jumbo Loans
  • FNMA Guidelines
  • Manual Downgrades
  • Encompass Expertise

Accomplishments

  • Fast track advancement through progressively responsible positions in underwriting and management
  • Key member of the mortgage management team, involved in program development and setting direction
  • Exceeded underwriting production goals
  • Experience with multiple mortgage software
  • Encompass trainer for underwriting and production staff
  • Experienced in personnel selection, training, development, scheduling, performance evaluation, and supervision
  • Led staff to achieve performance goals and obtain Direct Endorsement or SAR designation

Certification

  • FHA Direct Endorsement, U.S. Department of Housing and Urban Development - 2000
  • VA SAR, U.S. Department of Veterans Affairs, 2008

Timeline

Senior Mortgage Underwriter DE/SAR

Banner Bank
04.2022 - 01.2024

Underwriting Manager Southeast Division

NFM Lending
06.2019 - 04.2022

Underwriting Team Lead

Nations Lending
08.2016 - 06.2019

Senior Mortgage Underwriter IV DE/SAR

Cardinal Financial
05.2013 - 08.2016

Senior Mortgage Underwriter IV DE/SAR

Round Point Mortgage
06.2009 - 05.2013

Associate of Arts -

Jackson Community College

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Kerri Wright