Kimberly Smith
Mortgage Underwriter
84 Mulligan Drive New Vienna,OH
Summary
I am driven to deliver outstanding client satisfaction, team collaboration and company success. My career began early in high school with office internship through parallel business vocational training. Most recent and extensive career path has been set in the mortgage industry. Recent results for hard work and tenacity produced top rank among my underwriting peers for production and quality. Quarterly award winning performance for three years in my position for top production and quality during record loan volumes. Continued education, rapidly changing compliance regulations and guidelines have produced in me the ability to learn quickly and easily adapt. My goals and anticipation in my next role is to create a positive impact for everyone I encounter, serve and collaborate with on a daily basis.
Overview
26
26
years of professional experience
Work History
Senior Mortgage Underwriter
Citizens Financial Group Inc.
Franklin, TN
12.2019 - 11.2022
- This is a high volume, fast-paced role, and deadline driven position.
- Analyzes loan application captured information by retail sales partners.
- In depth review of tri-merge credit reports determining credit risk for requested loan transaction.
- Thorough review and calculation from collected client income documentation. Tax returns, profit loss statements, balance sheets, payroll and tax forms to determine risk and eligibility of repayment of requested loan.
- Examination of financial asset records to determine required assets for down payment and any needed reserve for the loan product requested.
- Confers with retail sales partners to determine client needs and discuss options for borrowers
- Approves, declines or counteroffers loan requests.
- Requests additional documentation needed to complete loan approval, if needed.
- Issued a commitment letter to client with the additional requested conditions to complete the loan file in process to meet all loan documentation requirements for review.
- Collaborated with sales partners, processing, appraisal, title and insurance vendors to obtain required documentation to move loan files into loan settlement closing.
- Final comprehensive look at completed loan file required documentation with examination of real estate property appraisal. Determination of property safety, soundness, marketability, investor compliance and satisfactory value determination. Title commitment review for tax assessment, owner of property collateral, vesting interests to details of liens, encroachments or easements for investor compliance.
- Kept detailed records regarding approved, denied and received loan applications.
- Loan pipeline assignment responsibilities were concentrated with government FHA loan file products, Jumbo conforming and non-conforming conventional and portfolio loans with lending authority up to $1,500,000.
Mortgage Underwriter II
Liberty Savings Bank, FSB
Wilmington, OH
07.2016 - 11.2019
- Underwriting credit, income, financial assets, property appraisal and title documentation for applications submitted from Mortgage Brokers and Home Retail Loan Officers.
- Issued conditional approvals to clients.
- Liaised with lenders, appraisers and other third parties to communicate needs and requirements.
- Evaluated loans against portfolio and investor guidelines.
- Loan pipeline assignment responsibilities for loan applicants of FHA, VA , USDA, conventional, conforming and non-conforming portfolio loans with lending authority up to $750,000
Home Mortgage Retail Underwriter III
Citizens Financial Group, Inc.
Cincinnati, OH
07.2010 - 07.2016
- Underwriting new applications and loan documentation assessing risk of credit, income, asset and property collateral for Home Mortgage Retail Loan Officers.
- Analyzed loan risk and reviewed loan conditions and requirements.
- Evaluated loans against portfolio and investor guidelines.
- Maintained compliance with company and regulatory policies.
- Loan pipeline assignment responsibilities for loan applicant products FHA, Conventional, Conforming and Non-Conforming Loans with lending authority of $750,000.
Retail and Wholesale Mortgage Underwriter
Liberty Savings Bank
Wilmington, Ohio
05.2003 - 07.2010
- Continued mortgage banker education in Loan Processing, Underwriting and Closing for promotion into entry level underwriting. Obtained government underwriting certifications with Housing and Urban Development, Direct Endorsement and Veterans Benefits, Staff Appraiser Reviewer.
- Structured loan packages by properly analyzing credit reports, income and asset documents.
- Analyzed loan risk and reviewed loan conditions and requirements.
- Determined loan eligibility and approved or rejected applications.
- Liaised with lenders, appraisers and other third parties to communicate needs and requirements.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Loan pipeline assignment responsibilities for loan applicants of FHA, VA , USDA and conventional conforming loan files.
Customer Service Representative
Liberty Savings Bank
Wilmington, OH
07.2002 - 05.2003
- Supported Wholesale Account Representatives and Wholesale Mortgage Brokers and underwriter teams by ensuring timely and accurate loan processing.
- Reviewed initial client documentation to structure and submit loan package.
- Interfaced with Mortgage Brokers to obtain needed items and prepare applications for underwriting review.
- Managed conditions sent from underwriting departments.
- Delivered high levels of customer service to facilitate smooth processes.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
Hazard Insurance Processor
Liberty Savings Bank
Wilmington, OH
07.2001 - 07.2002
- Called insurance companies to ascertain pertinent information regarding policies for customers.
- Handled modification and updating of policies.
- Corresponded with insured or agent to obtain information or inform of account status or changes.
- Monitored loans to verify adequate and current insurance coverage.
- Issued premium payment from escrow account.
- Cross trained and assisted with mortgage insurance escrow and cancellations.
Loan Vault File Clerk
Addeco Staffing, Liberty Savings Bank
Wilmington, OH
04.2001 - 07.2001
- Filing and imaging loan files.
- Obtain files for Bank employees.
- Performed administrative tasks for Supervisor of department. Assisted with front desk reception duties during high volume, vacations and lunch breaks.
- Greeted customers, delivery persons and official representatives.
- Answered and directed incoming calls using multi-line telephone system.
Front Office Specialist
Doane Pet Care
Washington Court House, Ohio
04.1997 - 03.1999
- Greeted large volume of incoming customers and truck drivers for shipping and receiving.
- Received and screened high volume of internal and external communications.
- Oversaw office inventory by restocking supplies and submitting purchase orders.
- Administrative assistant duties for Office Manager, Plant Manager and shift Supervisors.
- Assisted Office Manager with Human Resource duties for plant associates.
- Assisted with health benefits and claims for plant associates.
- Managed payroll for hourly employees.
- Organized and maintained payroll information by entering data, deleting errors, calculating and collecting information.
Education
Credited Residential Underwriter -
Mortgage Bankers Association
09.2022
SAR (VA Staff Appraisal Review) -
Veterans Benefits Administration
01.2008
Direct Endorsement (DE) -
Department of Housing And Urban Development
01.2006
High School Diploma -
Miami Trace
Washington Court House, OH05.1995
Vocational Degree - General Business Administration And Accounting
Great Oaks Career Campus
Wilmington, OH05.1995
Skills
- Creative problem solving with critical thinking
- Organizational skills Ability to multi-task, switch focus to meet deadlines and resolve immediate client needs Thriving in a fast paced work environment
- Proficient in Microsoft Office Suite Tech savvy and able to quickly learn and utilize multiple software tools
- Upbeat and positive personality Innate ability of diffusing difficult situations with customers and colleagues with empathy and compassion
- Excellent written and verbal communication skills
- Self motivated to exceed set goals
Timeline
Senior Mortgage Underwriter
Citizens Financial Group Inc.
12.2019 - 11.2022
Mortgage Underwriter II
Liberty Savings Bank, FSB
07.2016 - 11.2019
Home Mortgage Retail Underwriter III
Citizens Financial Group, Inc.
07.2010 - 07.2016
Retail and Wholesale Mortgage Underwriter
Liberty Savings Bank
05.2003 - 07.2010
Customer Service Representative
Liberty Savings Bank
07.2002 - 05.2003
Hazard Insurance Processor
Liberty Savings Bank
07.2001 - 07.2002
Loan Vault File Clerk
Addeco Staffing, Liberty Savings Bank
04.2001 - 07.2001
Front Office Specialist
Doane Pet Care
04.1997 - 03.1999
Credited Residential Underwriter -
Mortgage Bankers Association
SAR (VA Staff Appraisal Review) -
Veterans Benefits Administration
Direct Endorsement (DE) -
Department of Housing And Urban Development
High School Diploma -
Miami Trace
Vocational Degree - General Business Administration And Accounting
Great Oaks Career Campus
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