Marianna Kilbourne
Clarkston,MI
Summary
Versatile underwriting professional specializing in customer service and lending standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Overview
21
21
years of professional experience
Work History
Associate Underwriter
Guaranteed Rate
04.2024 - Current
- Dual position as mortgage processor and underwriter to increase speed and efficiency in the mortgage loan process.
- Highly organized, fast-paced work environment, and extreme attention to detail, gathering and reviewing documents, and making credit decisions.
- Increased profitability by effectively managing portfolio risks and making informed underwriting decisions.
- Strengthened relationships with borrowers and agents, fostering long-term partnerships and generating new business opportunities.
- Developed strong analytical skills by consistently evaluating data to identify trends impacting insured losses or exposures.
Mortgage Loan Processor
Guaranteed Rate
09.2016 - 02.2017
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Prepared file for final clear-to-close by branch management.
Wholesale Communications Specialist
Flagstar Bank
02.2016 - 09.2016
- Streamlined internal communication processes by implementing effective communication tools and platforms.
- Copyedited, proofread and revised company advertisements, print materials and press releases before dispersal.
- Created persuasive sales collateral that effectively communicated product benefits, resulting in increased lead generation efforts.
- Collaborated with cross-functional teams to create cohesive messaging for promotional materials and events.
Writing Tutor
University Of Michigan - Flint
01.2012 - 07.2014
- Assigned to work remotely tutoring graduate students in the Doctorate of Nurse Practitioner department .
- Enabled non-native English speakers to overcome linguistic barriers by offering tailored instruction on grammar principles and vocabulary acquisition.
- Increased student confidence in their writing abilities through consistent encouragement and support.
- Established trust with students by creating a welcoming atmosphere that values mutual respect, patience, and empathy during all interactions.
Branch Manager
CitiFinancial
01.2003 - 09.2009
- Increased overall annual sales by incorporating several quality process improvements withing the branch.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
Education
Master of Arts - English Language And Literature
University of Michigan - Flint
Flint, MI12.2015
Bachelor of Arts - English And Communications
University of Michigan - Flint
Flint, MI12.1995
Skills
- Underwriting guidelines
- Technical knowledge
- Policy Review
- Sales Support
- Data Interpretation
- Research abilities
- Documentation
- Risk Management
- Clear Communication
- Editing proficiency
- Writing process knowledge
- Proofreading expertise
Timeline
Associate Underwriter
Guaranteed Rate
04.2024 - Current
Mortgage Loan Processor
Guaranteed Rate
09.2016 - 02.2017
Wholesale Communications Specialist
Flagstar Bank
02.2016 - 09.2016
Writing Tutor
University Of Michigan - Flint
01.2012 - 07.2014
Branch Manager
CitiFinancial
01.2003 - 09.2009
Master of Arts - English Language And Literature
University of Michigan - Flint
Bachelor of Arts - English And Communications
University of Michigan - Flint