Kimberly Koç

*LAPP/SAR

*FHA DE

*Analyze credit and layering of risk to make sound credit decisions

*Review of collateral to include issuance of NOVs, Conditional Commitments, Condo approvals, and review of CU, SSRS, FHA EAD/Logging, USDA, and agency appraisals

*FHA, VA, USDA, Multi-State Bond & DPA loans, Freddie, Fannie, Delegated & Non-Delegated, DSCR loans

*Original employment from July 2003 to July 2016 working in the Omaha, NE and Minneapolis sites until 2016 and then rejoined Wells Fargo Remote in 2021 remote from San Antonio, TX

* LAPP/SAR/DE

*National Specialty Products Team for 4 years as well as Government Center of Excellence Team

*Promoted from Site Quality Champion to Divisional Quality Lead over sites in MN, TX, CO, and CA

*Developed training materials for underwriters and sales.

*Helped designed, implement, and train the Wells Fargo CORE system

*Providing quality trending reports to site leaders.

*Facilitated and hosted quality review calls, including creation of PowerPoint presentations

*DE and LAPP/SAR

*Maintained program credit and collateral compliance with multiple program types and agencies to include VA, FHA, USDA, and Freddie/Fannie

*Managed the VA appraisal pipeline to insure timely issuance of VA NOVs by company SARs

*Mentored processors and Jr. underwriters to improve knowledge and quality

*New Construction files for all loan types

*VA SAR- One of 4 SARS to handle all mortgage loans for the continental US, Hawaii, Alaska, Guam, and Puerto Rico.

*Provided weekly training to processing teams

*Collaborated with loan offices and processors to find solutions and resolve discrepancies in loan files

*Reviewed appraisal, credit, insurance, and title documents to verify accuracy and completeness