Kristy Jackson
Wichita,KS
Summary
Senior Mortgage Underwriter proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
21
21
years of professional experience
Work History
DE/Conventional Mortgage Underwriter
Cherry Creek Mortgage
Portland, OR
08.2019 - 07.2022
- Certified to underwrite CHFA (Colorado Housing Finance Authority) bond loans.
- Known for clean and organized files.
- Great customer service skills and in constant contact with brokers on their file whether that is by phone or email.
- Pride myself on my quick response time.
- Trained a JR underwriter to review conditions prior to my review.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
DE/Conventional Mortgage Underwriter
CMG Financial
Portland, OR
04.2017 - 08.2019
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Account Manager
CMG Financial
Portland, OR
11.2015 - 04.2017
- Account Manager for two Account Executives.
- Maintained pipelines and facilitated loan from registration to funding.
- Monitored lock expirations to make sure loan funded on time and requested rushes with appropriate departments when needed.
- Dealt firsthand with loan officers and processors, logging in conditions, ordering SSA89s, completing Fraud Alerts, prepping files for docs, along with other job tasks presented.
- Just as in my previous position, created a training manual and checklists for this position that are now used company wide.
Mortgage Loan Processor
PrimeLending
Wichita, KS
04.2014 - 11.2015
- Loan processor for 5 loan officers.
- Obtained my DCP, Decision Certified Processor, which enabled to me to have some underwriting authorities. Used this authority for other processors in my branch to help facilitate their files moving along faster along with still maintaining own pipeline.
- Cleared conditions and final approved loans for closings.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
Jr. Underwriter/Account Manager
Impac Companies
Portland, OR
08.2012 - 12.2013
- Maintained pipeline.
- Determined and documented loan conditions and communicated requirements and decisions.
- Supported two Senior Underwriters.
Account Manager
Stearns Lending
Portland, OR
12.2010 - 08.2012
- Account manager for highest producing Wholesale Account Executive in Oregon.
- Managed pipeline and made sure loan process was smooth.
- Completed compliance review, sent out initial disclosures, completed Change in Circumstances (CICs), ordered 4506Ts, social security validations, flood certifications, prepared file for underwriting, review conditions, tasked underwriter once all loan conditions were received, ordered verbal VOEs, prepared file for docs and managed rushes throughout this process.
Mortgage Closer II
US Bank Home Mortgage
Portland, OR
08.2008 - 12.2010
- Received file from underwriting, cleared conditions, completed QC on file, prepared documents, approved HUD statement and sent TIL.
- After signing, received funding conditions, sent wire and released escrow to fund/record.
- Dealt firsthand with escrow companies, loan officers, processors and underwriters.
- Runner up for closer of quarter, regional award, for 3 quarters and received closer of quarter my last quarter.
- Depending on loan volume, funded between 90-250 loans per month
- Conventional, FHA and VA loans.
Residential Escrow Officer
First American Title
Wichita, KS
03.2007 - 07.2008
- Initially hired as escrow assistant to top closer in Wichita.
- Once file was scheduled for closing, I prepared documents, cleared title commitment, worked up HUD statements and cut checks.
- Responsible for coordination between real estate agents, lenders and customers for closing.
- Given responsibility of closing vacant lot transactions.
- In March 2008, promoted to position of Residential Escrow Officer.
- First month of closing full time, was top 3 in city.
- Closed conventional loans, FHA loans and cash transactions.
- Crossed trained in disbursements.
Processing Manager
Valley Capital Funding
Grand Rapids, MI
08.2006 - 02.2007
- Processing all wholesale and correspondent loans from initial application to closing.
- Maintained strong pipeline.
- Performed QC on all closed loans.
- Maintained subordinate’s time for payroll.
- Trained new employees.
- Opened/Closed office.
- Maintained weekly and monthly reports.
- Completed any other tasks given from President.
Jr. Underwriter
Access Mortgage & Financial
Grand Rapids, MI
06.2006 - 08.2006
- Responsible for reviewing/clearing conditions.
- Processed change requests through AUS.
- Maintained Pipeline.
- Dealt first hand with loan officers and processors.
- Ordered MI.
- Completed review of Fraud Alerts.
- Prepped file for docs.
- Responded to QC conditions.
- Completed verbal verification of employment along with other job tasks presented
- Created training manual and checklists for position.
Skills
- 21 years in Industry- 5 years in Underwriting
- Knowledge of FNMA/Freddie Mac/FHA guidelines
- Automated Underwriting Systems
- Strong Attention to Detail
- Highly organized
- Self-motivated
- Excellent Customer Service
Timeline
DE/Conventional Mortgage Underwriter - Cherry Creek Mortgage
08.2019 - 07.2022
DE/Conventional Mortgage Underwriter - CMG Financial
04.2017 - 08.2019
Account Manager - CMG Financial
11.2015 - 04.2017
Mortgage Loan Processor - PrimeLending
04.2014 - 11.2015
Jr. Underwriter/Account Manager - Impac Companies
08.2012 - 12.2013
Account Manager - Stearns Lending
12.2010 - 08.2012
Mortgage Closer II - US Bank Home Mortgage
08.2008 - 12.2010
Residential Escrow Officer - First American Title
03.2007 - 07.2008
Processing Manager - Valley Capital Funding
08.2006 - 02.2007
Jr. Underwriter - Access Mortgage & Financial
06.2006 - 08.2006