Kirk Morris
Consumer And Mortgage Underwriter
Orem
Summary
A highly motivated and experienced Mortgage Loan Underwriter and Risk Manager with over 10 years of experience in the banking industry, seeking to leverage my expertise in underwriting and approving loans while providing exceptional customer service
Knowledgeable Mortgage Underwriter with proven track record in assessing and approving consumer and mortgage loan applications. Successfully managed high volumes of loan requests while ensuring compliance with regulatory standards. Demonstrated analytical and risk assessment skills to make informed lending decisions and maintain portfolio quality.
Overview
23
23
years of professional experience
2
2
Certifications
Work History
Consumer Loan Underwriter
Regions Bank
05.2025 - Current
- Approved, declined, or counter-offered loans up to $75000.00.
- Collaborated with loan officers to provide timely feedback on applications, expediting the approval process for qualified candidates.
- Reviewed financial statements, credit histories, income reports, and other information to make accurate determinations about loan decisions.
- Ensured compliance with federal and state lending regulations by conducting regular audits on loan files and documentation.
Housing Inspector
Utah Inspectionz
01.2024 - Current
- Residential Property inspections for Insurance and mortgage companies
- Seasonal FEMA Housing Inspector with Vanguard HIS.
- Exterior and Interior Commercial Property Inspections.
- Loss Mitigation Field visits
- Conducted regular re-inspections to ensure continued compliance with established codes and guidelines.
- Streamlined inspection processes, resulting in more efficient time management and increased productivity.
Banking Loan Acquisitions Representative
Teleperformance USA
08.2023 - 12.2023
- Analyzed, approved and funded military consumer auto loans for USAA
- Handled 40 to 50 inbound calls per day
- Handled and carefully responded to all customer inquiries
- Provided excellent customer service through active listening
- Calmly attempt to resolve and de-escalate any issues
- Escalate interactions when necessary and appropriate
- Remote
ERC Tax Consultant
Lendio
08.2022 - 07.2023
- Responded quickly to customer concerns and resolved issues using active listening and consulting skills
- Informed clients about available products and services, such as loan and grant's
- Used Hubspot to contact potential clients interested in the ERC (Covid) program
Driver
DoorDash HQ
07.2018 - 12.2021
- Double-checked orders before completing deliveries to avoid customer complaints.
- Consistently met promised delivery times by using GPS software to detect and avoid traffic delays.
- Maintained constant contact with the dispatching team in order to respond to delivery updates as quickly as possible.
Customer Service Expert
T-Mobile
08.2016 - 05.2018
- Resolved issues that customers might encounter.
- Provided friendly, knowledgeable service and support in response to customer requests.
- Reset and restored mobile operating systems to factory default settings to fix software-related issues.
- Advised customers on the purchase of mobile phone accessories, such as Phone Covers and Chargers.
- Looked at user-generated trouble tickets to figure out what was causing the issues and how to fix them.
Licensed Loan Officer
Westcorp Mortgage
01.2009 - 03.2017
- Successfully closed an average of 10 loans every month.
- Went over financial statements and reviewed them for qualifying reasons
- Reviewed Credit Reports and submitted loans thru DE or LP.
- Cleared conditions for approval
- Submitted loan for approval to Lender
- Had an excellent attendance record and was always on time for work.
Team Lead Underwriter
WMC Mortgage
01.2005 - 05.2007
- Reviewed team underwriting decisions to identify mistakes and, when necessary, reverse previous decisions.
- Approved Mortgage Loans for up to $750000.00
- Ensured that federal agencies such as the VA, HUD, and the FNMA were all in compliance with the mortgage program.
- Maintained a high level of professionalism and calmness with all personnel even in high-stress situations.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Reviewed and edited loan agreements to improve efficiency and accuracy.
Risk Manager
New Century Mortgage
06.2002 - 12.2004
- Reviewed suspicious fraud activity on current and funded mortgage loans
- Skip Traced and investigated companies and individuals with Lexis Nexis
- Cleared credit bureau fraud alerts
- Underwrote complex and large mortgage loans
- Helped with compliance department errors
Education
High School Diploma -
Crescenta Valley High School
La Crescenta, Ca 05.2001 -
Skills
- Strong credit, risk analysis, and analytical ability
- Complete understanding and strong working knowledge of credit, underwriting, credit policy and financial statement analysis and property evaluation
- Ability to examine loan documentation for accuracy and completeness
- Excellent Manual Underwriting Skills
- Be familiar with fraud detection techniques
- Excellent customer service skills
- Former Risk manager
Certification
MLO registered not active
Timeline
Consumer Loan Underwriter
Regions Bank
05.2025 - Current
Housing Inspector
Utah Inspectionz
01.2024 - Current
Banking Loan Acquisitions Representative
Teleperformance USA
08.2023 - 12.2023
ERC Tax Consultant
Lendio
08.2022 - 07.2023
Driver
DoorDash HQ
07.2018 - 12.2021
Customer Service Expert
T-Mobile
08.2016 - 05.2018
Licensed Loan Officer
Westcorp Mortgage
01.2009 - 03.2017
Team Lead Underwriter
WMC Mortgage
01.2005 - 05.2007
Risk Manager
New Century Mortgage
06.2002 - 12.2004
High School Diploma -
Crescenta Valley High School
05.2001 -
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