KIMBERLY BLOHM
Midland,MI
Summary
Astute and methodical Conventional Mortgage Underwriter with significant background working with conventional and non-conventional borrowing 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
15
15
years of professional experience
Work History
SR. MORTGAGE LOAN PROCESSOR
DART BANK
10.2023 - Current
- Support Relationship Managers, Underwriters, and Credit Administration to address primary loan processes appropriately
- Assist loan processing team in gathering, reviewing, and assembling due diligence information and completing loan documentation
- Actively manage, prioritize, and coordinate multiple and simultaneous loan closing
- Prepare and review every new loan documentation for precession and risk management
- Participate with the loan processing and approval team to identify problems and resolve issues
- Verifying all the documents before heading for the underwriting process
- Communicating with customers, loan originator, and underwriter to get initial and missing documents needed for qualifying the loan
- Managing loan processing pipeline by reports within the given turnaround times.
PARAPROFESSIONAL ASD
ETH, MIDLAND PUBLIC SCHOOLS
08.2023 - 10.2023
- Serve as a guide in instructing students on proper classroom behavior
- Help teachers keep records for grading and attendance
- Get materials and equipment ready to help teachers prepare for class
- Reinforce lessons by reviewing material one-on-one and in small groups with students
- Supervise students during lunch or recess, as well as in between classes or on field trips
- Assist students who need additional help learning a specific concept.
CONVENTIONAL MORTGAGE UNDERWRITER
HUNTINGTON NATIONAL BANK
03.2020 - 01.2023
- Meticulously review of mortgage applications and exercised lending authority within established underwriting guidelines to approve and deny applications
- Analyzed employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision on each mortgage application
- Ensured that each file meets secondary market and loan program criteria and are accurately documented working closely with processors to complete missing information.
- Reviewing and verifying loan applications and supporting documents
- Using underwriting software and loan processing systems
- Enhanced loan processing efficiency by implementing streamlined underwriting processes.
- Interacting with loan originators and processors to obtain additional documentation or clarification
- Maintained up-to-date knowledge of industry regulations and guidelines, ensuring compliance in all underwriting decisions.
- Reduced risk exposure by conducting thorough credit analysis and documentation reviews
REMOTE QUALITY CONTROL/UNDERWRITING ANALYST
AMERICAN MORTGAGE CONSULTANTS, INC
04.2018 - 03.2020
- Confirmed all aspects of each file comply with investor guidelines and requirements with uncompromising attention to detail
- Calculated debt ratio, loan-to-value ratios, credit score, property valuation and other factors in accordance with frontline, conventional and conforming loan requirements
- Audited previously closed conventional mortgage loan files for completeness and accuracy (based on rigorous investor criteria).
- Maintained compliance with regulatory requirements through diligent monitoring of underwriting policies and procedures.
- Conducted regular audits of underwriting files to ensure accuracy, consistency, and adherence to established guidelines.
RESIDENTIAL MORTGAGE PROCESSOR/UNDERWRITER/CLOSER
1ST STATE BANK
05.2017 - 04.2018
- Performed all aspects of the underwriting, processing and closing positions with flexibility as needed given the limited size of the operation
- Prepared initial loan disclosures, analyzed documentation (credit, income, asset reviews) and completed the closing disclosure generating the final package for the title company
- Reviewed files post closing to confirm compliance to guidelines.
- Reduced loan application processing time by diligently reviewing and verifying applicant information.
- Improved loan approval rates by meticulously reviewing and verifying application documentation.
- Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
REMOTE CONVENTIONAL MORTGAGE UNDERWRITER
ISGN SOLUTIONS
08.2016 - 03.2017
- Reviewed all mortgage loan application information with a heavy emphasis on determining eligibility for Freddie Mac and Fannie Mae guidelines
- Decision files and worked closely with processing to obtain outstanding conditions
- Reduced risk exposure by conducting thorough credit analysis and documentation reviews.
- Maintained up-to-date knowledge of industry regulations and guidelines, ensuring compliance in all underwriting decisions.
- Developed a comprehensive understanding of various loan programs, enabling accurate assessments of applicant qualifications across different products.
- Worked under tight SLAs to meet daily and monthly goals for turning around reviews of income, credit, assets and liabilities.
SENIOR UNDERWRITER/CONVENTIONAL
TCS CONSULTANCY SERVICES
01.2012 - 01.2016
- Analyzed all credit, income, assets documented in pay stubs, W2s, 1040s, bank statements, gift letters, retirement accounts for the purpose of determining creditworthiness
- Maintained expert knowledge of loan programs (saleable and portfolio) and mortgage regulatory standards to ensure decisions were compliant legally and in accordance with client guidelines.
MORTGAGE LOAN PROCESSOR
CITIMORTGAGE (CITIBANK, N.A.)
01.2009 - 01.2012
- Prepared loan packages originated by mortgage lenders quickly and accurately
- Reviewed document package to ensure all was complete for submitting to underwriting
- Served customers throughout the process answering any questions and requesting additional support information as required.
Education
BBA - BUSINESS MANAGEMENT
DAVENPORT UNIVERSITY
04.2009
Skills
- Proficient in Risk Analysis
- Time Management Capabilities
- Strong Analytical Skills
- Appraisal review
- Debt-to-Income Ratios
- Underwriting guidelines
- Credit analysis
- Income Calculation
- Document Verification
- Title Examination Proficiency
Timeline
SR. MORTGAGE LOAN PROCESSOR
DART BANK
10.2023 - Current
PARAPROFESSIONAL ASD
ETH, MIDLAND PUBLIC SCHOOLS
08.2023 - 10.2023
CONVENTIONAL MORTGAGE UNDERWRITER
HUNTINGTON NATIONAL BANK
03.2020 - 01.2023
REMOTE QUALITY CONTROL/UNDERWRITING ANALYST
AMERICAN MORTGAGE CONSULTANTS, INC
04.2018 - 03.2020
RESIDENTIAL MORTGAGE PROCESSOR/UNDERWRITER/CLOSER
1ST STATE BANK
05.2017 - 04.2018
REMOTE CONVENTIONAL MORTGAGE UNDERWRITER
ISGN SOLUTIONS
08.2016 - 03.2017
SENIOR UNDERWRITER/CONVENTIONAL
TCS CONSULTANCY SERVICES
01.2012 - 01.2016
MORTGAGE LOAN PROCESSOR
CITIMORTGAGE (CITIBANK, N.A.)
01.2009 - 01.2012
BBA - BUSINESS MANAGEMENT
DAVENPORT UNIVERSITY
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