Kim Houpt-Rigenhagen
Meridian,ID
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Sr. Mortgage Underwriter with DE/Chums/VA-LAPP/SAR Designations, and USDA and Conventional Loans. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Senior Underwriter
Point Mortgage, Mortgage Underwriter
12.2017 - 08.2023
- LAPP/SAR, USDA, Conventional Loans
- Establishes a strong sales relationship with business partners to improve borrower experience, with an open line of communication, smart conditioning for simplicity, and being accessible to problem solve and explore solutions
- Maintains positive working relationships with branch processing and corporate operations staff to enable speed and smooth flow process and pipeline flow from initial review
- Detailed analysis of credit and collateral packages to determine creditworthiness, eligibility and
- Adherence to programs standards for each loan type
- Consistently seeking ways to streamline conditioning to encourage ease of doing business
- Complex file analyzation including condos, self-employed borrowers (Sole Proprietor, Partnership and S-Corp and Corporation) with multiple businesses or borrowers with multiple Investment properties
- Attention to investor overlays and capital market offerings for unique profiles and Jumbo Loans
- Works directly with a Top Producing Branch for the company, helping with the structure of Loan
- Scenarios and guideline requirements
- In charge of running a weekly team meeting for the branch for collaboration and team training, and any industry updates and guideline changes.
- Sole underwriter for most successful sales team in San Diego region.
Mortgage Underwriter
Mann Mortgage
Kalispell, MT
06.2014 - 11.2017
- Underwrote FHA, USDA and Conventional Loans
- Thoroughly understands and keeps abreast of underwriting procedures in accordance with State and Federal guidelines and remains knowledgeable of mortgage loan documentation and RESPA compliance
- Evaluates real estate loan packages from originators on the viability of loans presented
- Responsibilities include either accepting or declining to fund a loan package, per company guidelines ensuring compliance to appropriate state, federal, company and secondary market investor standards and works up conditions for loan acceptance
- Ensures adherence to federal and state guidelines, company standards
- Accurately inputs loan data in mortgage software
- Reviews loan documentation for completeness and accuracy and viability of loan and the collateral of each mortgage loan
- Accepts or declines to fund a loan package per appropriate guidelines
- Reviews VA, FHA and Conventional appraisals and ensures that adjustments and risks are appropriate and meet guidelines of the review of the appraisal
- Determines conditions for acceptance and contacts appropriate staff to procure additional information required to complete the file or clear conditions
- Works hand in hand with loan processors, loan originators, and branch managers
- Assesses quality control reports and documents corrections, providing management with results monthly
- Prepares adverse action notices on any denied or withdrawn loan in compliance with Federal regulations
- Remains proficient with analysis of self-employed borrowers, assets, credit, prelim-title reports, and appraisals
- Accurately inputs loan date in mortgage software.
Mortgage Underwriter
DL Evans Bank
12.2012 - 04.2014
- Underwrote FHA, USDA and Conventional Mortgage Loans.
- Followed regulatory underwriting guidelines for conventional and FHA mortgages and other secondary market requirements
- Reviewed loan documentation for completeness, accuracy, and viability of loan
- Analyzed loan risk and qualification of the borrower to ensure marketability of closed loans being sold to the investors and the secondary market
- Reviewed FHA and Conventional appraisals to ensure that adjustments and risks are appropriate and were able to meet guidelines after the review of the appraisal
- Approved, suspended, or denied loan applications based on the guidelines that the customer profile and parameters as well as the DTI ratios were being met accordingly to the loan type
- Determined conditions for acceptance and contacts appropriate staff to procure additional information required to complete the file or clear conditions
- Works hand in hand with loan processors, loan originators, branch managers, VP of operations and the general manager
- Reviewed loan documentation for completeness, accuracy, viability, and collateral of each mortgage loan.
Mortgage Loan Closer/Processor
DL Evans Bank
10.2011 - 12.2012
- Prepared appropriate documents for customers in accordance with loan program type
- Calculated closing figures and reviewed all closing documents for accuracy and completeness including title reports and lock confirmations
- Responsible for providing administrative support for all mortgage loan closing activities
- Coordinated closing appointments with branch personnel and title companies, and assisted customers with questions
- Prepared final audit of all documents and cleared all final closing conditions in preparation for funding of the loan
- Provided support for all mortgage operation personnel, distributed loan files to related departments within the bank
- Reviewed closed loan files and forwarded documents to shipping and accounting personnel, completed final RESPA checklist and HMDA package
- Cross trained with processing staff to help fill in when needed
- Performed processing duties, acquired borrower paperwork, then copied all credit, asset, paystub, and other miscellaneous documentation into the file in accordance with the processing checklist
- Collected missing documentation required for loan submission.
Skills
- Data Analysis
- Pipeline Management
- Sales/ Processing Support
- Risk Assessment and Management
- Loan Product and Guideline Knowledge
- Determination Rendering
- Government Standards
- Credit and Income Analysis
- Risk assessment and management
- Loan Analysis
- Cash Flow Analysis
- Loan-to-value and Debt-to-income ratios
- Guidelines Knowledge
- Managing Risk
- Time Management
- Evaluate Possible Losses
- Assess Applications
- Customer Satisfaction
- Collateral Valuation
- Loan Restructuring
- Loan Evaluations
- Calyx Point
- Encompass
- Underwriting and Adjustments
- Analysis and Evaluation
- Fraud Detection Techniques
- Loss Protection
Certification
National Association of Mortgage Underwriters Training. DE/Chums, VA-LAPP/SAR.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Senior Underwriter
Point Mortgage, Mortgage Underwriter
12.2017 - 08.2023
Mortgage Underwriter
Mann Mortgage
06.2014 - 11.2017
Mortgage Underwriter
DL Evans Bank
12.2012 - 04.2014
Mortgage Loan Closer/Processor
DL Evans Bank
10.2011 - 12.2012
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