Marian Kauffman
Burleson,TX
Summary
Proactive Senior Underwriter with extensive experience in mortgage underwriting, operations management, and team leadership. Comprehensive knowledge in FHA, VA, USDA, and Conventional loan underwriting including obtaining CHUMS and SAR ID. Known for streamlining processes and enhancing loan quality through meticulous analysis and collaborative problem-solving. Skilled in managing Encompass systems, and ensuring compliance.
Overview
22
22
years of professional experience
Work History
Underwriting Support Manager / Deal Desk Manager
Supreme Lending
11.2019 - 12.2023
- Managed daily operations to ensure smooth functioning of support department.
- Monitored employee and loan officer interactions to assess quality of service.
- Promoted culture of continuous learning within team by organizing workshops and sharing relevant resources regularly.
- Collaborated with other departments to identify and resolve customer issues quickly and professionally.
- Underwrote Conventional, FHA, VA, and USDA loans as needed.
- Analyzed investor suspended loans to identify issues and try to resolve.
- Reviewed loans in declined status and restructure to try and receive automated approval.
- Transformed underwriting conditions and condition sets within Encompass to assist underwriters be more efficient, faster turn times, and decrease investor suspense.
- Updated underwriting conditions and condition sets per changes in agency, non-agency, and investor guidelines.
- Provided income trainings to loan officers and processors.
- Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success.
Mortgage Loan Officer
Supreme Lending
07.2018 - 09.2019
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
Operations Manager
Premier Nationwide Lending
04.2012 - 07.2018
- Supervised operations staff and kept employees compliant with company policies and procedures.
- Empowered employees to take ownership of their responsibilities, leading to increased accountability and improved performance outcomes.
- Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
- Team lead of new IOS system (Encompass) implementation project. Conducted trainings for all departments and branches after program had been customized to company's policies and procedures.
- Managed Encompass as administrator.
- Developed processes and procedures for each department.
- Contributed to development of departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed.
- Streamlined internal processes for improved efficiency by identifying areas for improvement and suggesting new procedures or tools.
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.
Senior Mortgage Underwriter
Premier Nationwide Lending
03.2002 - 04.2012
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success.
- Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
- Checked personal and team calculations to validate information and underwriting decisions.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
Skills
- Technical support expertise
- Teamwork and Collaboration
- Problem-Solving
- Continuous Improvement
- Staff Management and Training
- Decisive Decision-Making
Timeline
Underwriting Support Manager / Deal Desk Manager
Supreme Lending
11.2019 - 12.2023
Mortgage Loan Officer
Supreme Lending
07.2018 - 09.2019
Operations Manager
Premier Nationwide Lending
04.2012 - 07.2018
Senior Mortgage Underwriter
Premier Nationwide Lending
03.2002 - 04.2012
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