Summary
Work History
Education
Skills
Work Availability
Timeline
Overview
Generic

Kimber Daugherty

Littleton,CO

Summary

Detail oriented and highly motivated Mortgage Underwriter with over 28 years combined industry expertise in FHA/DE, Conventional and Jumbo Loans. Cross trained in Management, Processing, Mentoring and Training. Proficient in analyzing credit, assets and employment along with calculating income and evaluating collateral to determine value and mitigate company risk factors. Skilled in assessing any additional pertinent supporting loan documentation. Team player focused on loan quality and making sound credit decisions regarding loan approval and credit worthiness while meeting time sensitive goals and providing excellent customer service

Work History

FHA DE & Conventional Mortgage Underwriter

Keller Mortgage
Dublin, OH
03.2020 - 01.2023
  • Underwrote 2-3 loans daily and made careful determinations based on skilled analyses of submitted documentation to either approve or deny loans based on established criteria and underwriting guidelines.
  • Developed and maintained relationships and Service Level Agreements (SLA's) with customers, loan officers, and other third-party vendors.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines. * Proficient in evaluating & calculating all types of income including base, variable, self-employed, rental income etc. along with analyzing both personal and business tax returns.
  • Reviewed collateral (appraisals) to verify property value along with title and other documents for additional liens, accuracy and completeness.
  • Analyzed potential risks and verified integrity of applicants' information to determine credit worthiness, establish loan conditions and minimize fraud.
  • Researched updated industry guidelines along with changing legislation and regulations
  • Collaborated with processors and loan officers to communicate errors, obtain missing or additional information for current applications and resolve issues and/or discrepancies.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Monitored time sensitive pipelines to track and log status of loans.
  • Trained and mentored Junior Underwriters.
  • Demonstrated respect, friendliness and willingness to help wherever needed.

Conventional Mortgage Underwriter

HCL Aka Urban Lending Solutions/Fulfillment Svcs
Highlands Ranch, CO
02.2019 - 09.2019
  • Underwrote 2-3 Conventional loans daily to ensure compliance to Fannie Mae & Freddie Mac Programs & Guidelines & Lender Specific Guidelines while also adhering to strict Federal and State Compliance Regulations
  • Made careful determinations based on skilled analyses and risk assessment of established underwriting criteria and guidelines along with submitted income, asset & credit documentation to either approve or deny loans.
  • Reviewed Appraisal/Collateral documentation to validate value, assess risk factors, verify accuracy and completeness
  • Reviewed Title & additional documents such as Divorce Decrees, Bankruptcy & Trust papers etc for any liens, judgments, collections or issues that could affect overall credit worthiness of the loan or the companies' lien position.
  • Collaborated with processors and loan officers to communicate errors, obtain missing or additional information for current applications and resolve issues and/or discrepancies.
  • Monitored time sensitive pipelines to track and log status of loans and meet Service Level Agreements (SLA's) and internal Quality Control (QC) expectations.

FHA DE Mortgage Underwriter

American Pacific Mortgage
Roseville, CA
06.2018 - 09.2018
  • Underwrote 2-3 FHA loans daily to ensure compliance to FHA 4000.1 Handbook & Guidelines as well as FHA Scorecard and additional Lender Specific Guidelines while also adhering to strict Federal and State Compliance Regulations
  • Made careful determinations based on skilled analyses and risk assessment of submitted income, asset and credit documentation to either approve or deny loans.
  • Reviewed Appraisal/Collateral documentation to validate value, assess risk factors, verify accuracy and completeness
  • Reviewed Title & additional documents such as Divorce Decrees, Bankruptcy & Trust papers etc. for any liens, judgments, collections or issues that could affect overall credit worthiness of the loan or the companies' lien position.
  • Collaborated with processors and loan officers to communicate errors, obtain missing or additional information for current applications and resolve issues and/or discrepancies.
  • Monitored time sensitive pipelines to track and log status of loans and meet Service Level Agreements (SLA's) and internal Quality Control (QC) expectations.

FHA DE Mortgage Underwriter

Freedom Mortgage
Fishers, IN
02.2017 - 01.2018
  • Underwrote 2-3 FHA loans daily to ensure compliance to FHA 4000.1 Handbook & Guidelines as well as FHA Scorecard and additional Lender Specific Guidelines while also adhering to strict Federal and State Compliance Regulations
  • Made careful determinations based on skilled analyses and risk assessment of submitted income, asset and credit documentation to either approve or deny loans.
  • Reviewed Appraisal/Collateral documentation to validate value, assess risk factors, verify accuracy and completeness
  • Reviewed Title & additional documents such as Divorce Decrees, Bankruptcy & Trust papers etc for any liens, judgments, collections or issues that could affect overall credit worthiness of the loan or the companies' lien position.
  • Collaborated with processors and loan officers to communicate errors, obtain missing or additional information for current applications and resolve issues and/or discrepancies.
  • Monitored time sensitive pipelines to track and log status of loans and meet Service Level Agreements (SLA's) and internal Quality Control (QC) expectations
  • Chosen for an Elite Team as a Sr Underwriter to oversee a Restructure Project assessing potential alternative options for non-qualifying FHA, VA & Conventional loans, ensuring excellent customer service loans by determining other potential loan programs and/or solutions in lieu of denial.

Sr. Conventional Mtg Underwriter and Team Lead

Urban Lending Solutions
Highlands Ranch, CO
01.2012 - 01.2017
  • Underwrote 2-3 Conventional loans daily to ensure compliance to Fannie Mae & Freddie Mac Programs & Guidelines & Lender Specific Guidelines while also adhering to strict Federal and State Compliance Regulations ** Promoted to Team Lead from 2012 to 2015, resumed Sr. UW III role after a Reduction in force in late 2015
  • Made careful determinations based on skilled analyses and risk assessment of established underwriting criteria and guidelines along with submitted income, asset & credit documentation to either approve or deny loans.
  • Reviewed Appraisal/Collateral documentation to validate value, assess risk factors, verify accuracy and completeness
  • Sr Underwriter entrusted to Underwrite loans with higher risk factors such as Self-Employed Borrowers, Higher LTV's, Multiple loans for same borrower & ensuring DTI, LTV Consistency. Proficient in Self Employment Analysis utilizing personal (1040) and Business (1065, 1120S & 1120) Tax Forms.
  • Supervised, Trained and Mentored underwriting staff of 10-12 and demonstrated strong organizational and time management skills while managing multiple employees.
  • Monitored underwriting teams' performance and exercised leadership capabilities by successfully motivating and inspiring team members to achieve personal and department production goals and meet service level agreements (SLA's),
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Demonstrated respect, friendliness and willingness to help wherever needed.

Education

FHA DE Designation / Chums ID - DJ81
Denver, CO
2008

Some College (No Degree) - Elementary And Special Education Programs

University of Northern Colorado
Greeley, CO

High School Diploma -

Air Academy High School
Usaf Academy, CO
05.1981

Skills

  • Knowledgeable in FHA/DE Government 40001, FNMA and FHLMC Conventional Lending Guidelines along with Mortgage Lending Requirements and Underwriting Regulations
  • Experienced with Desktop Underwriter (DU), LP and Scorecard, Encompass and Blend along with additional commonly used systems
  • Adept with Debt-To-Income (DTI) Ratios, Loan-to-Value (LTV)Percentage calculations and Private Mortgage Insurance
  • Proficient in Loan Quality and Detailed Assessments of Credit, Income & Assets along with Real Estate Appraisal & Collateral Analysis to Mitigate Risk Factors to company
  • Proficient in Employment Validation and Income Calculations including Base, Variable, Self Employment, Rental, Fixed income etc
  • Detail Oriented and Efficient at Problem Solving Skills, Prioritizing, Time Management & Meeting Time Sensitive Goals
  • Excellent Verbal and Written Communication Skills while Providing Timely and Exemplary Customer Service and Satisfaction
  • Team Player and Accomplished at Mentoring New Employees and Training Jr Underwriters

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse

Timeline

FHA DE & Conventional Mortgage Underwriter

Keller Mortgage
03.2020 - 01.2023

Conventional Mortgage Underwriter

HCL Aka Urban Lending Solutions/Fulfillment Svcs
02.2019 - 09.2019

FHA DE Mortgage Underwriter

American Pacific Mortgage
06.2018 - 09.2018

FHA DE Mortgage Underwriter

Freedom Mortgage
02.2017 - 01.2018

Sr. Conventional Mtg Underwriter and Team Lead

Urban Lending Solutions
01.2012 - 01.2017

FHA DE Designation / Chums ID - DJ81

Some College (No Degree) - Elementary And Special Education Programs

University of Northern Colorado

High School Diploma -

Air Academy High School

Overview

11
11
years of professional experience

Similar Profiles

CREATE PROFILE
Kimber Daugherty