Mary Kitrys
Warren,MICHIGAN
Summary
Excellent reputation for resolving problems and improving customer satisfaction. Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives. Hardworking and passionate job seeker with strong organizational skills eager to secure NQM Underwriter position. Ready to help team achieve company goals as well as able to mentor new-hires.
Overview
19
19
years of professional experience
Work History
Non QM Due Diligence Underwriter/Auditor
Maxwell
04.2023 - Current
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Non QM Auditor/Underwriter
Maxwell
04.2022 - 11.2022
- Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
- Maintained confidentiality, handling sensitive information discreetly throughout all stages of the audit process.
- Ensured compliance with regulatory requirements by performing regular audits and staying up-to-date on industry standards.
- Streamlined audit processes, improving efficiency and reducing time spent on each audit engagement.
Auditor/Credit Review
Evolve Mortgage Services
08.2019 - 01.2022
- Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
- Maintained confidentiality, handling sensitive information discreetly throughout all stages of the audit process.
- Coordinated, managed and implemented auditing projects and prepared for evaluation.
- Performed observations and evaluated supporting documents to supplement audit findings.
- Collaborated with cross-functional teams to identify areas of risk and implement preventative measures.
- Collaborated closely with external auditors, providing requested documentation promptly to facilitate smooth year-end audits.
Mortgage Closer
MMK Notary LLC
01.2018 - 08.2019
- Collaborated closely with underwriters, processors, and title companies for seamless loan closing experiences.
- Developed strong relationships with clients and real estate agents, fostering trust in the mortgage closing process.
- Coordinated scheduling of closings between buyers, sellers, attorneys, and lenders for a smooth transaction experience.
Underwriting
Nations Lending
07.2017 - 11.2017
- Improved underwriting accuracy by consistently reviewing and analyzing medical, financial, and occupational data.
- Maintained understanding and knowledge of benefits industry and underwriting criteria for insurance company partners.
- Optimized underwriting procedures by incorporating data-driven insights and predictive analytics into decision-making processes.
Underwriter
Resmac
04.2016 - 05.2016
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
FHA/VA and Rural Development Underwriter
Independent Bank
05.2015 - 11.2015
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Quality Control Analyst
Stewart Lending Services
09.2014 - 03.2015
- Improved overall production efficiency by identifying and resolving quality control issues.
- Conducted data review and followed standard practices to find solutions.
FHA/VA and Rural Development Underwriter
Goldstar Mortgage Financial Group
09.2012 - 08.2013
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
FHA/VA and Rural Development Underwriter
Michigan Mutual Mortgage
04.2012 - 08.2012
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Underwriter
Ross Mortgage Corporation
01.2012 - 04.2012
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Underwriter
Citigroup
08.2009 - 11.2009
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Contract Underwriter
Wells Fargo
01.2009 - 07.2009
- Streamlined workflow by developing effective systems for managing documentation, resulting in reduced processing times for contract approvals.
- Implemented strategies to effectively manage portfolio risk while achieving premium growth targets.
- Achieved high levels of client satisfaction through exceptional customer service skills and a proactive approach to resolving issues.
- Developed a strong understanding of various industries served by the company, allowing for enhanced risk assessment and customized underwriting solutions.
FHA/VA Underwriter
Flagstar Bank
04.2008 - 09.2008
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Contract Underwriter
Radian Mortgage Insurance
02.2007 - 03.2008
- Enhanced underwriting efficiency by streamlining processes and implementing effective risk assessment techniques.
- Assisted in the development of new products and services by providing valuable insights on market needs and potential opportunities.
- Reduced claim losses by identifying potential risks and recommending appropriate coverage options for clients.
- Maintained strong relationships with brokers, providing timely responses to inquiries and ensuring clear communication throughout the underwriting process.
Contract Underwriter
Genworth Mortgage Insurance
06.2005 - 02.2007
- Enhanced underwriting efficiency by streamlining processes and implementing effective risk assessment techniques.
- Assisted in the development of new products and services by providing valuable insights on market needs and potential opportunities.
- Collaborated with sales teams to develop customized underwriting solutions that met the unique needs of each client.
- Reduced claim losses by identifying potential risks and recommending appropriate coverage options for clients.
Education
High School Diploma -
Crestwood High School
Dearborn Heights, MI 06.1974
Skills
Underwriting guidelines
Analyzing data
Documentation Review
Risk Assessment
Credit analysis
Loan Evaluation
Asset Statements
Multitasking
Decision-Making
Attention to Detail
Timeline
Non QM Due Diligence Underwriter/Auditor
Maxwell
04.2023 - Current
Non QM Auditor/Underwriter
Maxwell
04.2022 - 11.2022
Auditor/Credit Review
Evolve Mortgage Services
08.2019 - 01.2022
Mortgage Closer
MMK Notary LLC
01.2018 - 08.2019
Underwriting
Nations Lending
07.2017 - 11.2017
Underwriter
Resmac
04.2016 - 05.2016
FHA/VA and Rural Development Underwriter
Independent Bank
05.2015 - 11.2015
Quality Control Analyst
Stewart Lending Services
09.2014 - 03.2015
FHA/VA and Rural Development Underwriter
Goldstar Mortgage Financial Group
09.2012 - 08.2013
FHA/VA and Rural Development Underwriter
Michigan Mutual Mortgage
04.2012 - 08.2012
Underwriter
Ross Mortgage Corporation
01.2012 - 04.2012
Underwriter
Citigroup
08.2009 - 11.2009
Contract Underwriter
Wells Fargo
01.2009 - 07.2009
FHA/VA Underwriter
Flagstar Bank
04.2008 - 09.2008
Contract Underwriter
Radian Mortgage Insurance
02.2007 - 03.2008
Contract Underwriter
Genworth Mortgage Insurance
06.2005 - 02.2007
High School Diploma -
Crestwood High School
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