Summary
Overview
Work History
Education
Skills
Timeline
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Kimberly Degnan

Tonawanda,NY

Summary

Dedicated, self-motivated mortgage service professional with over twenty years of experience in mortgage underwriting, processing, and real estate transaction management. Dependable and people-oriented team player who strives to provide high-quality customer and company service. Possess a good balance of patience and persistence in job interaction performance with clients and co-workers alike, which results in reaching positive professional accomplishments.

Overview

31
31
years of professional experience

Work History

Mortgage Underwriter

Hunt Mortgage
Buffalo, NY
04.2011 - 10.2024
  • Responsible for the review and approval of conventional mortgage programs under agency guidelines, and delegated underwriting for multiple lenders.
  • Review and approval under delegated underwriting status for all mortgage insurance programs.
  • Possess extensive knowledge of multiple lenders' underwriting specifications and programs.
  • Extensive knowledge of the USDA program – underwriting and approval of USDA mortgages using the GUS AUS system.
  • Heavily involved with the support of mortgage consultants in the field, and consistent support of processors and Junior Underwriters.
  • Processors in-house – actively involved with real-time training of colleagues.
  • Proficient with Encompass, Morvision LOS systems, and the Blitz document management system.
  • Quality Control Review of underwriting and compliance of all mortgage types.
  • Review, understand, and continue the study of all compliance guidelines.

Legal Entity Review

HSBC
Buffalo, NY
05.2010 - 04.2011
  • Review and correction of property title holdings of HSBC and their subsidiaries.
  • Reviewed the chain of title, perfected deed creation, and subsequent filings to the proper counties nationwide.

Mortgage Underwriter/Processor

Nothnagle Home Securities Corp
Rochester, NY
01.2005 - 05.2010
  • Experience with conventional, FHA, VA, Sonyma, and private mortgage insurance processing and underwriting.
  • Minimal management supervision.
  • High level of customer service contact; consistent communication responsibilities with loan officers, real estate agents, attorneys, appraisers, and associate underwriters/processors.
  • Generation and distribution of commitment letters.
  • Detailed knowledge of federal and state-level compliance and disclosure, as well as multiple program underwriting guidelines.
  • Preparation of closing packages, packaging of closed loans, and quality control review.
  • Over 300 mortgage transactions are processed annually.
  • Managed loan pipeline to ensure timely processing and adherence to deadlines.
  • Utilized automated underwriting systems (AUS) to expedite loan approval decisions.

Transaction Manager / Team Coordinator

Nothnagle Realtors
Rochester, NY
01.1999 - 01.2005
  • Real estate assistant to a top producer within Nothnagle Realtors, top 25 of 600 agents, 2000–2005.
  • Obtained and managed the HUD REO contract for Central NY property management and distribution.
  • Property inventory report generation.
  • Computerized presentation of inventory and sales procedures.
  • Sales lead management and distribution.
  • Transaction Manager and Team Coordinator
  • Consistently worked under deadline requirements; extremely diverse, and high-volume workload.
  • Record high twenty million dollars of closed transactions in 2000.
  • Conventional real estate transaction management.

Mortgage Processor/Closing Coordinator

Riverview Mortgage
Rochester, NY
01.1994 - 01.1999
  • Mortgage processing and transaction management.
  • Front-to-back processing of loans, pricing, locking, ordering, and reviewing of credit, appraisal, and title documents.
  • Assisted loan officers and management in the analysis and placement of mortgages among 50+ lenders and hundreds of programs.
  • Prepared and presented mortgage applications for conventional, government, and subprime programs.
  • Responsible for assuring the accuracy of compliance and disclosure requirements.
  • Completed closing process by collaborating with attorneys, title companies and government clerks.

Education

Regents Diploma -

Lafayette High School
Buffalo, NY

General courses -

State University of New York at Buffalo

Skills

  • Multi-tasker
  • Analytical
  • Excellent communication skills – verbal and written
  • Highly efficient and proactive
  • Active listener and critical thinker
  • Highly self-directed

Timeline

Mortgage Underwriter

Hunt Mortgage
04.2011 - 10.2024

Legal Entity Review

HSBC
05.2010 - 04.2011

Mortgage Underwriter/Processor

Nothnagle Home Securities Corp
01.2005 - 05.2010

Transaction Manager / Team Coordinator

Nothnagle Realtors
01.1999 - 01.2005

Mortgage Processor/Closing Coordinator

Riverview Mortgage
01.1994 - 01.1999

Regents Diploma -

Lafayette High School

General courses -

State University of New York at Buffalo

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Kimberly Degnan