KANDACE MOORE
Summary
Results-driven and empathetic leader with significant experience in leadership, risk management quality control, and mortgage underwriting. Proven track record of guiding high-performing teams, implementing process improvements, and ensuring compliance with regulatory standards. Adept at analyzing complex scenarios, enhancing efficiency, and fostering a culture of accountability and continuous development. Recognized for strong communication skills, collaborative leadership style, and the ability to mentor and inspire teams to achieve goals.
Overview
11
11
years of professional experience
Work History
Assistant Manager, Quality Control Risk Management
Navy Federal Credit Union
11.2021 - Current
- Oversee workload and assignments for a team of risk analysts, ensuring timely and accurate completion of reviews and assessments
- Review and validate reports, testing documentation, and executive summaries prepared by staff analysts to ensure accuracy, completeness, and alignment with regulatory and internal standards
- Provide actionable feedback and recommendations to enhance the clarity and effectiveness of deliverables
- Thoroughly investigate indicators of misrepresentation and refer findings for further review when fraud is suspected
- Regularly participate in meetings with management to present key findings, discuss emerging risks, and propose process improvements
- Collaborate cross-functionally with business units to identify process inefficiencies and deliver recommendations for operational improvements and risk mitigation
- Oversee training and mentoring of analysts to support proficiency and professional development
Supervisor, Mortgage Underwriting
Navy Federal Credit Union
10.2016 - 11.2021
- Supervised daily underwriting operations to ensure accuracy and compliance with internal and investor regulatory requirements
- Trained, mentored, and coached underwriters to ensure consistent application of underwriting processes and aid in professional development
- Made final decisions on mortgage applications (approvals, denials, exceptions) based on overall risk assessment and established guidelines
- Carefully assess potential misrepresentation and escalate cases as appropriate to determine the presence of fraud
- Led process improvement initiatives to enhance underwriting efficiency, accuracy, and member service
- Managed appeals and escalated underwriting decisions, ensuring fair and consistent resolution
- Collaborated with production teams to resolve issues, improve communication, and enhance member experience
Mortgage Underwriter
Navy Federal Credit Union
04.2014 - 10.2016
- Underwrote mortgage applications to assess creditworthiness and accuracy and completeness
- Ensured mortgage applications complied with applicable federal and state laws, regulatory requirements, secondary market guidelines, and internal policies
- Approved or denied loans based on overall credit worthiness, established criteria, and underwriting guidelines
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Communicated outstanding documentation and condition requirements to processing teams to facilitate timely loan closures
- Researched and provided solutions for complex scenarios
Education
Business Administration & Management (In Progress)
University of West Alabama
Skills
- Communication
- Collaboration
- Building Rapport
- Emotional Intelligence
- Navigating Change Management
- Supporting Team Development
- Problem Solving
- Time Management
Timeline
Assistant Manager, Quality Control Risk Management
Navy Federal Credit Union
11.2021 - Current
Supervisor, Mortgage Underwriting
Navy Federal Credit Union
10.2016 - 11.2021
Mortgage Underwriter
Navy Federal Credit Union
04.2014 - 10.2016
Business Administration & Management (In Progress)
University of West Alabama
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