Kimberly Osborne
Fairview Heights,Illinois
Summary
Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic. Motivated professional offering proficiency in data entry combined with strong mathematical and analytical thinking skills. Personable team player with exceptional customer service abilities. Fast learner and committed to continuous, self-directed learning.
Overview
14
14
years of professional experience
Work History
Pre-Underwriter /Processor
Homestead Financial Mortgage
09.2017 - Current
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
Mortgage Consultant
Guaranteed Rate
08.2016 - 09.2017
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
Production Assistant
New American Funding
10.2014 - 08.2016
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Processing Manager
USA Mortgage
02.2010 - 08.2016
- Successfully managed team of [Number] staff, providing assistance and answering questions.
- Collaborated with director on process improvement initiatives to attain goals.
- Created production schedules to effectively fulfill production plans and meet process goals.
- Created solutions to [Type] malfunctions within production process to meet rigorous quality standards.
- Mentored departmental team, boosting efficiency, success and morale among employees.
Education
No Degree - Accounting And Finance
BAC Community College
Belleville, ILHigh School Diploma -
Notre Dame High School
St Louis, MO05.1997
Skills
- Application Analysis
- Asset Statements
- Residual Incomes
- Residential Loans
- Error Detection
- Report Preparation
- Transcribing Documents
- Identifying Errors
- Data Processing
- Risk Mitigation
- Analyzing Data
- Data Entry
Timeline
Pre-Underwriter /Processor
Homestead Financial Mortgage
09.2017 - Current
Mortgage Consultant
Guaranteed Rate
08.2016 - 09.2017
Production Assistant
New American Funding
10.2014 - 08.2016
Processing Manager
USA Mortgage
02.2010 - 08.2016
No Degree - Accounting And Finance
BAC Community College
High School Diploma -
Notre Dame High School
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