Kimberly Caradine
Hazelwood,MO
Summary
Seasoned detail-oriented compliance analyst and underwriting professional familiar with conducting research and compliance investigations and contract reviews. Productive, responsible and insightful professional with an organized approach. Offering several years of experience looking to take on a challenging new role with long term potential at successful organization.
Overview
24
24
years of professional experience
Work History
Security Compliance Analyst
Equifax
St. Louis, MO
07.2022 - Current
- Conduct thorough security compliance assessments to uphold regulatory standards and internal policies, effectively mitigating risks and strengthening data protection protocols
- Ensure strict adherence to the Fair Credit Reporting Act (FCRA) requirements throughout all compliance activities
- Identify and address potential compliance vulnerabilities, contributing to a robust and secure information management framework
- Collaborated with legal and operational teams to address compliance issues and implement corrective actions.
- Created process flows, and email templates that resulted in improving the overall department's approval percentage from 32% to 43% and my personal approval percentage to currently over 50% while maintaining a 99.6% accuracy rating with QA audits
Underwriter
Golden Oak Lending
St. Louis, Missouri
01.2020 - 05.2022
- Analyzed financial statements, credit reports, and title documents, ensuring borrower's creditworthiness and adherence to loan standards
- Processed and evaluated mortgage applications using Desktop Underwriting and Loan Prospector, focusing on critical financial ratios and credit assessments
- Maintained mortgage transaction integrity by reviewing property appraisals, verifying applicant information, and identifying discrepancies and potential fraud
Underwriter III
Mortgage Guaranty Insurance Corp
US- MO Remote
11.2019 - 01.2020
- Evaluated mortgage loan documentation for adherence to regulatory and organizational standards, providing accurate credit assessments for insurance coverage eligibility
- Communicated credit decisions and underwriting rationales clearly, fostering positive interactions with stakeholders and supporting collaborative team dynamics
Mortgage Underwriter III
US BANK
St. Louis, Missouri
07.2017 - 08.2019
- Conducted comprehensive analysis of financial documentation, credit histories, and property valuations to evaluate borrower eligibility and collateral adequacy for mortgage lending
- Processed loan applications using Desktop Underwriting and Loan Prospector tools, ensuring conformity with established guidelines and market requirements
- Examined applicants' employment and financial records to resolve inconsistencies and detect potential fraud, maintaining rigorous adherence to regulatory compliance standards
Mortgage Underwriter
American Equity Mortgage
St. Louis, Missouri
08.2016 - 07.2017
- Conducted comprehensive underwriting for conventional and government-backed mortgages, ensuring compliance with company and secondary market guidelines
- Assessed applicants' financial viability using Desktop Underwriting and Loan Prospector, analyzing credit, income, and asset documentation
- Evaluated property appraisals to determine collateral suitability, verified financial histories, and made loan approval decisions based on risk assessments
Mortgage Underwriter / Mortgage Loan Services Center
State Farm Bank
St. Louis, Missouri
03.2008 - 08.2016
- Analyzed financial statements, credit reports, and title documents to determine borrower's eligibility and repayment capacity for mortgage offerings
- Employed automated systems, including Desktop Underwriting and Loan Product Advisor, to streamline the underwriting process in line with market standards
- Assessed property appraisals to confirm collateral adequacy, ensuring loan-to-value and debt-to-income ratios met lending guidelines
- Maintained rigorous adherence to regulatory compliance, corrected documentation inaccuracies, and conducted fraud investigations to ensure the integrity of mortgage approvals
Credit Analyst
State Farm Bank / Bank Loan Center
St. Louis, Missouri
08.2005 - 03.2008
- Performed in-depth financial assessments to determine creditworthiness by analyzing applicants' credit profiles, income, and assets for loan eligibility
- Evaluated collateral value and repayment ability, maintaining strict compliance with risk management protocols to authorize loan approvals
Citifinancial / Credit Specialists
Citi Financial Services, Inc.
St. Louis, Missouri
11.2003 - 12.2004
- Assessed creditworthiness by meticulously evaluating loan applications, ensuring compliance with regulatory and company standards for both mortgage and personal lending products
- Managed cross-functional office responsibilities and maintained effective communication with management personnel in the Office Manager's absence
Community Reinvestment Underwriter
CitiMortgage
St. Louis, Missouri
11.2000 - 11.2003
- Conducted thorough analysis of financial statements, credit reports, and collateral to underwrite mortgage loans, maintaining compliance with regulatory and company standards
- Evaluated and authorized community and bond loan applications, ensuring alignment with program criteria and facilitating accurate loan origination through collaboration with Loan Officers and Processors
Education
High School Diploma -
University City High School
St Louis, MO05-1988
Skills
- Attention to Detail
- Risk Assessment
- Compliance
- Analyzing Data
- Quality Control
- Data Integrity
- Information Verification
- Lending / Banking Regulations
- Oral and Written Comprehension
- Great Interpersonal Skills
- Multitasking and Prioritization
- Reasonable and Sound Judgment
- Analytical and Critical Thinking
- Decision Making Skills
- Working Knowledge of Databases / Tracking Systems
- Documentation and Recordkeeping
- Microsoft Office
- Contract Review
- Data Analysis
- Teamwork
- Communication
- Fraud detection
- Due diligence
- Documentation review
- Paperless environments
- Compliance monitoring
- Regulatory compliance
References
References available upon request.
Timeline
Security Compliance Analyst
Equifax
07.2022 - Current
Underwriter
Golden Oak Lending
01.2020 - 05.2022
Underwriter III
Mortgage Guaranty Insurance Corp
11.2019 - 01.2020
Mortgage Underwriter III
US BANK
07.2017 - 08.2019
Mortgage Underwriter
American Equity Mortgage
08.2016 - 07.2017
Mortgage Underwriter / Mortgage Loan Services Center
State Farm Bank
03.2008 - 08.2016
Credit Analyst
State Farm Bank / Bank Loan Center
08.2005 - 03.2008
Citifinancial / Credit Specialists
Citi Financial Services, Inc.
11.2003 - 12.2004
Community Reinvestment Underwriter
CitiMortgage
11.2000 - 11.2003
High School Diploma -
University City High School
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