Open To Work
Kimberly Altheide
HMA Mortgage
Lapeer,MI
Work Preference
Job Search Status:
Open to work
Desired Job Title
Mortgage UnderwriterMortgage Underwriting Team Lead
Work Type
Full Time
Location Preference
Remote
Minimum Desired Compensation
$120000/yr
Important To Me
Company CultureWork-life balanceWork from home optionPaid time off
34
years of professional experience
Seasoned Underwriter with 34 years in conventional, FHA, and bond loan underwriting. Consistently meets tight deadlines while ensuring compliance with policies and regulations. Strong organizational and communication skills lead teams to achieve objectives and enhance business processes for impactful results.
Work History
Underwriter/Team Lead
1 Year 10 Months- Conducted thorough evaluations of mortgage applications to identify potential risks and ensure regulatory compliance.
- Evaluated credit reports and financial documents to determine borrower eligibility and capacity.
- Partnered with loan officers to deliver strategic insights on underwriting decisions and policies.
- Provided mentorship to junior underwriters, focusing on effective risk assessment techniques and sound decision-making strategies.
- Evaluated mortgage applications to determine risk and compliance with lending guidelines.
- Analyzed credit reports and financial documents to assess borrower eligibility and capacity.
- Expert in Self Employment Income
- Extensive expertise in underwriting FHA, manual FHA,, FHLMC/FNMA, and bond loans IHDA, PFHA, NJHMF.
- Appraisal review of Condominiums, manufactured homes, SFR, and multi-units.
- Responsible for loan escalations to determine loan eligibility.
Vice President Of Underwriting
15 Years 11 Months- Have extensive experience in underwriting FHA, Freddie Mac and Fannie Mae loans.
- Underwrote Freddie Mac and Fannie Mae loans, ensuring compliance with established guidelines.
- Facilitated communication and follow-through with borrowers, loan processors, loan originators, and management throughout all phases of underwriting.
- Ensure loan submittals meet internal and external eligibility requirements.
- Underwrite conventional, Alt A, Single Family, Condos, and income producing properties.
- Performed appraisal reviews and recommended additional requirements needed for risk to adhere company guidelines.
- Generated productivity and quality standards reports for junior underwriters and conducted second-level reviews on complex files and credit exceptions.
- Led strategic initiatives to enhance financial performance and drive organizational growth.
- Oversaw multi-million dollar budget planning and resource allocation for optimal operational efficiency.
- Worked closely with Post Closing to ensure all loans sold quickly and to stay current on trends within the industry.
Conventional Mortgage Underwriter
1 Year 5 Months- Examined residential loan documentation for modifications, ensuring accuracy, completeness, and compliance with company and secondary market investor standards.
- Examine residential loan documentation for modifications to ensure accuracy, completeness and compliance with appropriate company and secondary market investor standards.
- Examined several different types of lending, including conventional, government, and home equity.
- Responds to company, individual, and investor audits and assists with fraud detection and prevention.
Underwriting Manager
4 Years 4 Months- Evaluate, approve, and underwrite complex consumer loans, adhering to company and industry guidelines.
- Served as subject-matter expert, resolved complex issues, handled escalated calls, provided work direction, and trained underwriting staff.
- Serve as a subject-matter expert, assisting with difficult problems and questions, handling escalated calls, providing work direction, and training to underwriting staff.
- Facilitated technical training to ensure organizational consistency and improve underwriting knowledge.
- Facilitate highly effective technical training to ensure organizational consistency.
- Applied sharp organizational, analytical, and multi-tasking abilities while executing second-level reviews on numerous loans submitted for denial, cancellation, second signature, and counteroffers.
- Maintained a dynamic dialogue with senior management and an active role in evaluating and structuring transactions, utilizing F.
Vice President Of Wholesale Underwriting
9 Years 6 Months- Acknowledged as a valued contributor, based on outstanding leadership and professional business acumen, paving the way to achieve corporate awards for exceptional quarterly and annual production.
- Communicated effectively with internal and external customers, enhancing collaboration and clarity.
- Underwrote conventional, FHA & VA loans to industry guidelines.
- Recognized as a valued contributor due to outstanding leadership and professional business acumen.
- Mentored and trained new-hire employees and processors.
- Conducted comprehensive audits of financial records and internal controls, ensuring compliance and accuracy in mortgage securities and loan processes.
Education
No Degree - Accounting and Finance
Skills
FHA DE designationFNMA and FHLMC guidelinesRemote work performanceProduction and quality management
Expert in self-employment income analysis
Condo project approval
Encompass and DU
FHA and conforming guidelines
FHA manual underwriting
Risk analysis
Quality control
Credit evaluation
Relationship management
Data analysis
Loan portfolio management
Work History
Jacksonville, FL
Timeline
Underwriter/Team Lead
HMA Mortgage
11.2024 - 09.2026Read More
Vice President Of Underwriting
Anderson Financial
12.2008 - 11.2024Read More
Conventional Mortgage Underwriter
Citi Mortgage
07.2007 - 12.2008Read More
Underwriting Manager
Finansure Home Loans
04.2002 - 08.2006Read More
Vice President Of Wholesale Underwriting
Flagstar Bank
10.1992 - 04.2002Read More
Baker College
No Degree from Accounting and Finance
Read More