Kevin Marsh
Lake Worth,FL
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with a variety of customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
23
23
years of professional experience
Work History
Mortgage Underwriter
Society Mortgage
03.2023 - Current
- Identify possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyze and verify applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Approve or deny loans based on established criteria and underwriting guidelines.
- Increase customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
Mortgage Underwriter
Click N Close, Inc.
09.2020 - 02.2023
- Verified integrity of applicants' information to minimize fraud.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Assessed loan portfolios for compliance with underwriting policies.
- Negotiated and communicated with loan officers and processors to reach satisfactory loan terms.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
Senior Rural Housing Underwriter
Freedom Mortgage Corporation
07.2016 - 08.2020
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Maintained mortgage program compliance with federal agencies such as USDA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Approved or denied loans based on established criteria and underwriting guidelines.
Senior Mortgage Underwriter
JP Morgan Chase
04.2001 - 06.2016
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Maintained mortgage program compliance with federal agencies such as USDA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
Education
Bachelor of Science - Business Management
Florida State University
Tallahassee, FL08.1997
Skills
- FHA Underwriter
- Analytical and Critical Thinking
- Fraud Prevention and Detection
- Debt-To-Income Ratios
- USDA Lending
- Loan Product Knowledge
Timeline
Mortgage Underwriter
Society Mortgage
03.2023 - Current
Mortgage Underwriter
Click N Close, Inc.
09.2020 - 02.2023
Senior Rural Housing Underwriter
Freedom Mortgage Corporation
07.2016 - 08.2020
Senior Mortgage Underwriter
JP Morgan Chase
04.2001 - 06.2016
Bachelor of Science - Business Management
Florida State University
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