Kimmy Charlene Johnson
Clover,SC
Summary
Mortgage Underwriter with strong analytical and critical thinking skills. Highly proficient in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building collaborative relationships with brokers and the sales force. Effective communication and organizational skills with proven ability to work in a deadline driven environment without sacrificing attention to detail. Exhibits a heightened level of personal and professional integrity accompanied by exemplary customer service. Possesses a strong work ethic and an ability to take the initiative. Responds to business challenges with a sense of urgency and requires minimal direction to perform at a high level. Overall performance consistently exceeds objectives and expectations. Works with agents to achieve business goals.
Overview
18
18
years of professional experience
Work History
Mortgage Underwriter
Reliant Mortgage LLC
Baton Rouge , LA
07.2025 - Current
- Analyzed DU, LP, and FHA loan applications to assess credit risk, income stability, and overall borrower eligibility.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Performed manual and automated underwriting reviews per the FHA guidelines.
- Requested and reviewed conditions, and cleared loans for final approval and closings.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Evaluated loan requests and documents to verify accuracy and completeness.
Triple Crown Underwriter FHA and VA DE Certified
Rocket Mortgage
07.2015 - 07.2025
- Company Overview: FHA and VA Certified
- Expertise in FHA, FNMA (DU), and FHLMC (LP) loans.
- Expertise in Purchase and Refinance for both wholesale and retail loans.
- Review Investor findings to make sure that I am meeting all the guidelines.
- Qualified clients based on risk analysis and credit capability to repay debt.
- Calculated and evaluated schedule C, S-Corporation, Partnerships and Corporation income.
- Maintained consistent communication with our Partners/Loan Officers with status of the loan and any Additional clarification needed.
- Keep up to date with all guidelines, changes in guidelines as well as procedures.
- Ensure a 24 hour turn time on approving/suspending a loan.
- FHA and VA Certified
Loan Underwriter II
Well Fargo Home Equity
12.2012 - 07.2015
- Company Overview: Safe Certified NMLS# 1012769, Obtained $150,000 Lending Authority.
- Decides if the loan meets underwriting policy.
- Perform a comprehensive review of the appraisal, title, and all supporting documentation.
- Accountable for analyzing credit information and make sound judgment on loan applications.
- Reviews and calculates income used to qualify for loan approval.
- Safe Certified NMLS# 1012769, Obtained $150,000 Lending Authority.
Loan Mortgage Adjustor 1
Wells Fargo Home Mortgage
04.2010 - 12.2012
- Work with customers, realtors, internal management to review, negotiations and approve Loans.
- Adhere to internal and external investor/mortgage insurer guidelines.
- Evaluate pre-foreclosure BPO's and appraisal to aid in negotiating.
- Review & Analyze financials such as credit bureau information, collateral valuation, tax returns, financial statements and other supporting documents to recommend and approve requests.
- Served as a pilot tester for upcoming tools that would help streamline the approval process.
- Assisted in training new employees on the short sale process and on utilizing tools such as MSP,WPII, Cost Analysis, LM workout, BCS removal and Equator.
- Show an increase in production for Approvals, closing, QA Audit scores: Average Approval = 50 loans Average QA audit = 97% Average Closings = 30 loans.
Customer Service Coordinator
Acosta
11.2007 - 12.2009
- Served as a liaison between the manufacturer and the buyer by providing sales support.
- Provides sales support to the Business Manager.
- Responsible for ensuring all information regarding the vendors are up to date.
- Responsible for coordinating any issues or changes that needs to be done with the brokers and the manufacturer.
Education
Bachelor of Science - Business Administration Marketing Management
De La Salle University – College of Saint Benilde
Metro Manila, Philippines01.2003
Skills
- Microsoft Word
- Excel
- Power Point
- Access
- Customer Service Management
- Collaboration
- Team Building
- Computer skills
- Critical thinking
- Good listening skills
- Analytical skills
- FHA loan underwriting
Additional Information - Awards
Loss Mitigation Top Approver, 04/2012, Received Management recognition for special assignment for working LM workout Approval updates.
Timeline
Mortgage Underwriter
Reliant Mortgage LLC
07.2025 - Current
Triple Crown Underwriter FHA and VA DE Certified
Rocket Mortgage
07.2015 - 07.2025
Loan Underwriter II
Well Fargo Home Equity
12.2012 - 07.2015
Loan Mortgage Adjustor 1
Wells Fargo Home Mortgage
04.2010 - 12.2012
Customer Service Coordinator
Acosta
11.2007 - 12.2009
Bachelor of Science - Business Administration Marketing Management
De La Salle University – College of Saint Benilde
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