Kimberly Brooks
Springfield,OH
Summary
Experienced Mortgage Underwriter with over 31 years of experience in residential mortgage lending. Excellent reputation offering successful communication and good judgment.
FHA DE | VA LAPP/SAR | BOND CERTIFIED | USDA/RD | JUMBO/NON-CONFORMING
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
Cardinal Financial
Charlotte, NC
05.2021 - 03.2022
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Sr Underwriter
CMG Financial
Irvine, TX
07.2019 - 04.2021
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Sr Underwriter
Supreme Lending
Dallas, TX
04.2018 - 12.2018
- Analyzed credit, income, compliance and title documents, as well as credit histories and appraisals during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Underwriter III
Service First Mortgage
McKinney, TX
11.2011 - 03.2018
- Analyzed credit, income, compliance and title documents, as well as credit histories and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Determined and documented loan conditions and communicated requirements and decisions.
Underwriter
Schmidt Mortgage (Mid America)
Addison, TX
04.2010 - 11.2011
- Analyzed credit, income, compliance and title documents, as well as credit histories and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Determined and documented loan conditions and communicated requirements and decisions.
Underwriter
PNC Mortgage
Miamisburg, OH
09.2008 - 04.2010
- Analyzed credit, income, compliance and title documents, as well as credit histories and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Determined and documented loan conditions and communicated requirements and decisions.
Education
Real Estate License - Real Estate
Hondros College of Business
Westerville, OH07.2006
High School Diploma - undefined
Salem High School
Salem, OH1982
Skills
- Interpersonal and written communication
- Underwriting knowledge
- Data analysis
- Quality assurance
- Analytical
- Residential Loans
- Application Analysis
- Residual Incomes
- Debt-to-Income Ratios
- FNMA Guidelines
Certification
- FHA DE
- VA LAPP/ SAR
- BOND CERTIFIED
References
- Jim Berkley (972) 571-2826
- Christine Miller (856) 693- 6368
Timeline
Senior Mortgage Underwriter
Cardinal Financial
05.2021 - 03.2022
Sr Underwriter
CMG Financial
07.2019 - 04.2021
Sr Underwriter
Supreme Lending
04.2018 - 12.2018
Underwriter III
Service First Mortgage
11.2011 - 03.2018
Underwriter
Schmidt Mortgage (Mid America)
04.2010 - 11.2011
Underwriter
PNC Mortgage
09.2008 - 04.2010
Real Estate License - Real Estate
Hondros College of Business
High School Diploma - undefined
Salem High School
- FHA DE
- VA LAPP/ SAR
- BOND CERTIFIED
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