KERRY LINDBERG

Work History

VP of Credit

Loan Simple

08.2021 - 02.2022

Performing detailed underwriting analysis for both credit and documentation deficiencies including income and asset calculations, employment history, credit score eligibility, and qualifying ratios for Conv/Jumbo/ FHA/VA loans
Providing thorough review to meet all investor quidelines to ensure purchase of loan after closing
Tracked all Investor pre-purchase suspense items including final purchase advice
Completed all Investor required certifications (annually or quarterly), became main contact for all Investor relationships
Promoted to AVP Consumer Lending Leader to include communication with 20 branches to train and assistin structuring of all Consumer loans.Reviewing all applications and determining credit decisions within timely manner, communicate with customer directly if no branch referral
Conceptualized the design, implementation and monitoring of strategies, processes, and technologies critical to operations
Lead Consumer team to increase production and streamline process
Track all renewals/restruction/re-qualify if necessary
Delegated authority with Secondary Market investors up to $417,000
Consumer authority up to $200,000
Underwrite all internal Portfolio loans including All-N-One Construction loans
Set up all Builder and
Construction files including review of builder financials, plans & specs, appraisals
Verify budget is satisfactory for project and be sure all numbers balance to contract
Assist with internal training and updating of manuals
Prepare and disburse Portfolio loan reports
Pro-active pipeline review of all mortgage and consumer pipeline assist in keeping lines of communication open to be sure process is seamless
Hired and managed employees to maximize productivity while training staff on best practices and protocols.

Manager

Penrith Home Loans

01.2020 - 08.2021

Expert knowledge of residential mortgage underwriting, including FNMA, FHLMC,
FHA, VA, Jumbo and Non-QM underwriting
Active certification for FHA-DE, VA SAR-LAPP and Jumbo underwriting experience
Ability to work accurately and efficiently in a fast-paced environment and to maintain production requirements while adhering to quality and service standards
Expert knowledge with mortgage loan documents and ability to review those documents efficiently and with low error rate
Arbitrate appeals and disagreements of loan files as needed for response to audits, repurchases, etc
Establish and manage underwriting help desk for production team scenarios and questions as well as be the day-to-day resource to support the underwriters with regards to their specific and general loan file questions
Up to date on all correspondence guidelines (currently 7) and use of All-Regs
Leadership role for managing and staffing the department
Build out strategically, with superior customer service, high attention to detail and high performance as core tenets
Test, train and mentor all underwriters
Responsible for building out and managing the department's infrastructure, policies, procedures, product guidelines, systems and process flows.
Accomplished multiple tasks within established timeframes.
Onboarded new employees with training and new hire documentation.
Cross-trained existing employees to maximize team agility and performance.
Maximized performance by monitoring daily activities and mentoring team members.
Evaluated employees' strengths and assigned tasks based upon experience and training.
Adjusted job assignments and schedules to keep pace with dynamic business needs, factoring in processes, employee knowledge and customer demands.

AVP, Manager

HomeStreet Bank

08.2016 - 12.2019

Transferred to HomeBridge 5/20/19
Initially hired as an Lead for Lynnwood, team of 16.Promoted to UW Manager of Seattle team in November 2017
Requested to then take over an additional team in another location, total direct reports increased to 20
Underwriting team consisted of all loan types including Jumbo and Construction
Individual authority approved to $1,750,000 for Portfolio and Construction loans
Quarterly reviews with all employees to discuss goals, issues, expectations
All reviews input into
Workday
Reviewed production based pay increases
Completed all bonus reports for Corporate
Experienced with hiring, reviews and downsizing
Managed increased production along with continuing to exceed upper management expectations
Consistently maintained an approachable style where dialog is encouraged and embraced to enable the building of strong relationships
Focused on training of best practices, instilling confidence to make decisions, empowering appropriate thinking outside the box to meet risk tolerance
Motivate through skilled management techniques
High priority of resolving issues quickly and accurately
Provide thoughtful alternative soluations
Focused on building strong relationships with sales
Meet and exceed Corporate expections for quality and address any audit issues
Experienced Senior Underwriter performing detailed underwriting analysis including complex income scenarios, assetcalculations, employment history, credit score eligibility and collateral for government and
Jumbo transactions
Comprehensive knowledge of multiple investor guidelines for Jumbo
Ability to effectively present information and respond to questions when communicating with sales and/or the investor.
Helped VPs add value and growth to annual sales volume.
Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals.
Accomplished multiple tasks within established timeframes.
Prepared and recommended long-range plans for development of department personnel.
Compiled data highlighting key metrics to report information, determine trends and identify methods for improving store results.
Cross-trained existing employees to maximize team agility and performance.

AVP, SENIOR UW/CONSUMER LENDING LEADER

Kitsap Bank

02.2013 - 08.2016

Helped VPs add value and growth to annual sales volume.
Communicated business concepts and expected functional behavior to developers and other stakeholders.
Suggested and cross-sold other products or services on approved loans that benefited customer.
Collaborated with VPs in order to grow business partners through prospecting, [Type] and follow-up activities.
Presented customers with financial solutions that best fit specific needs.
Delivered excellent customer service and worked with customers to process loan applications and loan refinancing.
Completed loan applications, proposals and offers for new borrowers and followed up with pending applicants.
Resolved issues and recommended actions based on production and compliance reports.
Identified and solved issues with production, workforce and material sourcing to drive business objectives.
Spearheaded cross-functional initiatives across departments to achieve business goals for bottom-line profits.
Identified opportunities to improve business process flows and overall departmental productivity.
Established performance goals for department and provided methods for reaching milestones.

POST CLOSING MANAGER/SENIOR UNDERWRITER

The Legacy Group

06.2012 - 02.2013

Developed new department to clear all post closing deficiencies to enable investors to purchase loans
Reduced aged pipeline from $26M on Warehouse lines to $7M in 6 months
Established investor relationships with all 8 investors, set up weekly phone calls to assist in clearing audit reviews faster
Trained new team members, established systems and procedures for department
Utilized experience in Jumbo Underwriting to restructure loans if investors would not purchase as submitted.

Summary

Overview

Work History

VP of Credit

Manager

AVP, Manager

AVP, SENIOR UW/CONSUMER LENDING LEADER

POST CLOSING MANAGER/SENIOR UNDERWRITER

Education

Business

Skills

Work Availability

Timeline

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