Summary
Overview
Work History
Education
Skills
Timeline
Generic

Kisha Bridges

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.

Overview

11
11
years of professional experience

Work History

SR PORTFOLIO QM/NON QM UNDERWRITER II

BMO
06.2020 - 09.2024
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.
  • Reviews all loan underwriting and modifications documentation to ensure compliance with investor requirements (e.g. loan documents, appraisals).

Citizens Bank UW II

Citizens Bank
04.2017 - 06.2020
  • Responsible for collateral evaluation in accordance to agency and or investor guidelines
  • Self-motivated, with a strong sense of personal responsibility.
  • Possess a working knowledge residential underwriting to ensure that the loan meets, Conventional, and investor guidelines for insurability
  • Worked effectively in fast-paced environments.
  • Proven ability to learn quickly and adapt to new situations.

Ascendum Solutions Conventional /VA IRRL Underwriter

Ascendum Solutions
09.2016 - 02.2017
  • Analyzes financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
  • Analyzed compliance, title documents, and appraisals during underwriting process.
  • Analyzes problems and identifies potential or innovative solutions, identifies documentation deficiencies within review and communicates findings
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.

LendKey Sr. Loan Specialist

LendKey
03.2015 - 09.2016
  • Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
  • Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
  • Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.

TATA Consultancy Services Sr. Mortgage Processor

TATA Consultancy Services
07.2013 - 01.2015
  • Facilitated seamless transitions from application submission to final approval stages with keen attention to detail throughout the process.
  • Assisted in developing training materials for new hires, enhancing the onboarding process and ensuring a strong foundation in mortgage processing best practices.
  • Worked closely with clients to gather necessary documentation for fast-tracked mortgage processing timelines effectively.
  • Increased closing ratio by proactively identifying potential issues and working with parties involved to resolve them quickly.

Education

Bachelors of Science in Business Administration -

Ohio Dominican
04.2024

Skills

    Underwriting guidelines

    Analyzing data

    Documentation Review

    Risk Assessment

    Portfolio Management

    Risk Mitigation

    Loan Evaluation

Timeline

SR PORTFOLIO QM/NON QM UNDERWRITER II

BMO
06.2020 - 09.2024

Citizens Bank UW II

Citizens Bank
04.2017 - 06.2020

Ascendum Solutions Conventional /VA IRRL Underwriter

Ascendum Solutions
09.2016 - 02.2017

LendKey Sr. Loan Specialist

LendKey
03.2015 - 09.2016

TATA Consultancy Services Sr. Mortgage Processor

TATA Consultancy Services
07.2013 - 01.2015

Bachelors of Science in Business Administration -

Ohio Dominican

Similar Profiles

CREATE PROFILE
Kisha Bridges