MERY KONE
Cincinnati,Ohio
Summary
Disciplined Mortgage Underwriter pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
8
8
years of professional experience
Work History
Senior Mortgage Underwriter - External Consultant Resource
Digital Risk/Mphasis
Remote, USA
07.2020 - 06.2023
- Lookback Project - Audit on Denial & Approval Loans
- Underwriting FHA, VA, and Fannie Mae Loans
- Examine loan file documentation to determine acceptability of borrower's credit histories, adequacy of liquid assets and financial capacity in relation to loan requests
- Applied knowledge of underwriting and regulatory compliance requirements.
- Developed and maintained strong relationships with external partners, including appraisers and title companies, resulting in a 15% reduction in third-party report turnaround time.
- Identified and resolved complex loan application issues, resulting in a 10% increase in loan approval rates and a 5% increase in loan volume.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
Audit Report Processer - Center of Excellence- Quality Review Team
Grant Thornton LLP
Norwood, OHIO
01.2020 - 03.2020
- Grant Thornton Audit & Attest Services
- Collaborate with internal engagement teams to produce high quality financial statements
- Accuracy and time sensitive, on behalf of the with external clients
- Adhere to high standards of customer service and professionalism set by the Report Processing Center.
UNDERWRITING TECHNICIAN & POLICY SUPPORT
LIBERTY MUTUAL GROUP
FAIRFIELD, OHIO
11.2017 - 01.2020
- Rescored loans through Desktop Underwriter and Loan Prospector, and documented loan appropriately to ensure accuracy and completeness of file
- Schedule Appraisal
- Review data on insurance applications or policies
- Use computers to enter, access and retrieve financial data
- Evaluate Policies & Write business correspondence.
- Reviewed and evaluated applications for accuracy and completeness according to established guidelines.
- Processed requests for new policies, endorsements, cancellations and reinstatements.
- Calculated premium rates based on customer information provided.
- Analyzed risk factors associated with insurance products offered by the company.
- Generated quotes based on customer needs and risk assessment results.
GRADUATE STUDENT ASSISTANT
TUSKEGEE UNIVERSITY
03.2015 - 07.2017
- Southern Rural Sociological Association Conference, Mobile, Alabama
- February 2017
- ARD Research Symposium 2017, Atlanta, GA
- April 2017
- 74th Professional Agricultural Workers Conference, Tuskegee University
- Tuskegee, Alabama
- December 2016
- 21st Booker T
- Washington Economic Development Summit, Tuskegee University
- October 2016
- Leadership & Economics Development in the Black Belt Alabama
- Research on Community Development on local businesses in the Black Belt Alabama.
Education
Master of Science - ECONOMICS & AGRI-RESOURCES
TUSKEGEE UNIVERSITY
Tuskegee, AL07.2017
Bachelor of Science - ADMINISTRATION & MANAGEMENT
FAULKNER UNIVERSITY
Montgomery, AL05.2013
Skills
- Self-starter Organized and detailed
- Proficient with Microsoft Word/Excel/Publisher/Outlook
- Statistical proficiency and practical experience in research analysis
- Responsible, Enthusiastic, Cooperative
- Macroeconomic & Financial Statement analysis
- Leader, Collaborator, Sharp, Intellectual, Humorous & fluent in French
- Application Analysis
- Loan File Maintenance
- Income Evaluation
- Corporate Financial Statements
- Loan Feasibility Assessment
- Application Review
- Loan Processing Coordination
- Attention to Detail
- Economics Understanding
- Document Analysis
- LoanMaster Loan Servicing
- Database Management
- Mortgage Facilitation
- Debt and Credit Management
Qualification Highlights
- Highly qualified Mortgage Underwriter with experience in the industry.
- Enjoy creative problem solving and getting exposure on multiple projects.
- Gained experience in underwriting FHA, FHLMC and Fannie Mae Loans Applied knowledge of underwriting and regulatory compliance requirements.
- Fair Lending for servicing, Collections, and loss Mitigation Detail and goal oriented, ability to manage multiple projects, proven record of meeting and exceeding goals.
Work Preference
Work Type
Full TimeWork Location
RemoteOn-SiteHybridImportant To Me
Career advancementWork-life balanceHealthcare benefitsPaid sick leave401k matchStock Options / Equity / Profit SharingPaid time offTeam Building / Company Retreats4-day work weekTimeline
Senior Mortgage Underwriter - External Consultant Resource
Digital Risk/Mphasis
07.2020 - 06.2023
Audit Report Processer - Center of Excellence- Quality Review Team
Grant Thornton LLP
01.2020 - 03.2020
UNDERWRITING TECHNICIAN & POLICY SUPPORT
LIBERTY MUTUAL GROUP
11.2017 - 01.2020
GRADUATE STUDENT ASSISTANT
TUSKEGEE UNIVERSITY
03.2015 - 07.2017
Master of Science - ECONOMICS & AGRI-RESOURCES
TUSKEGEE UNIVERSITY
Bachelor of Science - ADMINISTRATION & MANAGEMENT
FAULKNER UNIVERSITY
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