Nadrena Kerr
Lake Forest,CA
Summary
Position in Lending allowing for parlay of demonstrated customer/member service/sales, organization, and communication skills, and proven by 20 years of experience.
Overview
20
20
years of professional experience
Work History
Mortgage Underwriter II-Correspondent
Truist Bank
06.2023 - 02.2024
- Responsible for reviewing conditions, on all loans up to two million.
- Adding conditions when warranted upon review of documentation.
- Issuing clear to close on loans up to 2 million.
- Work closely with underwriting III when required.
- Preview self-employment income documentation prior to file set-up.
- Assisted working, in post closing box, for loans that had prior to funding issues.
- Meets all performance standards and goals established by the bank.
Delegated Quality Review Specialist
Truist Bank
11.2022 - 06.2023
- Responsible for reviewing pre-funding focus audit review and pre-funding Fraud Review; to identify potential fraud risk to the organization.
- Review delegated agency; jumbo loans; FHA; and VA closed loans; through the closed loan setup pipeline.
- Reviewing files to meet organization; Fannie Mae; Freddie Mac, FHA ;and VA guidelines.
- Assist as a back-up for the QP Management specialist.
Mortgage Underwriter II-Correspondent
Truist Bank
08.2021 - 11.2021
- Performance of mortgage loan origination in regards to reviewing and setup all files for self-employment.
- Assistant in training new Underwriter II, on reviewing Self-employment files for setup and reviewing Underwriter III conditions.
- Assist as backup for reviewing conditions, on all loans up to two million.
Mortgage Underwriter III-Correspondent
Truist Bank
01.2021 - 07.2021
- Responsible for underwriting loans up to $600,500.
- Adding conditions upon reviewing the file.
- Provides appropriated communication with clients; and other internal and external customers.
Mortgage Underwriter II-Correspondent
Truist Bank
07.2018 - 12.2020
- Responsible for reviewing conditions, on all loans up to two million.
- Adding conditions when warranted upon review of documentation.
- Issuing clear to close on loans up to two million.
- Reviewing income; asset statements; and appraisals.
- Work closely with Underwriter III when required.
- Provides appropriate communication with clients; and other internal and external customers.
- Meets all performance standards and goals established by the bank.
- Assistant in training new Underwriter II, on reviewing Underwriter III conditions.
- Assist as a backup for the QP Management Specialist.
QP Management Specialist
SunTrust Banks Inc
08.2014 - 06.2018
- Performance of mortgage loan origination in regards to setting up files for the underwriting department.
- Create a daily excel spread sheet of mortgage loans set up for the underwriting department.
- Assign mortgage loans to underwriters on a daily basis, by sending out the loan for that day emails to the underwriter and management.
- Assist with weekly third party vendor audit underwriting setup, by randomly selecting loans that our offshore teammates have setup for underwriters to review.
- Assist with weekly SLA(Service Level Agreement) report to insure the performance standards for internal and external customers have been met.
- Assist with weekly, ECOA Pipeline Report by tracking the the status of any pended loans to insure final action has been taken with 30 calendar days of credit package received .
- Review underwriter's queues; and rotate conditions that are due when underwriters are out of the office.
- Assist with phone calls and emails from colleagues and lenders to ensure all service levels are being met .
Mortgage Loan Specialist
SunTrust Banks Inc
04.2013 - 08.2014
- Review mortgage loans and all loan documents for accuracy in a timely manner.
- Review refinance, and purchase loans, which are owner occupied; second homes; and investment properties.
- Communicate with team member through STM partners; MLCS; Email; phone network; and in person.
- The types of loans reviewed; Consumer; ARM; DU Refinance plus; Jumbo; Agency Plus; FHA; VA; and some construction to perm.
Education
High School Diploma -
Laguna Hills High School
Laguna Hills, CABusiness And Photography
Irvine Valley College
Irvine, CASkills
- Asset Statements
- Application Analysis
- Debt-to-Income Ratios
- LTV Calculations
- Lending Space - Loan Purchase System
- Freddie Mac/ Fannie Mae - Sign on
- Lexis Nexis - Risk Management Solutions
- FNC- Appraisal collateral management system
- Project Management - report preparation
- Written Correspondence -General office skills
- Customer/Member service
Timeline
Mortgage Underwriter II-Correspondent
Truist Bank
06.2023 - 02.2024
Delegated Quality Review Specialist
Truist Bank
11.2022 - 06.2023
Mortgage Underwriter II-Correspondent
Truist Bank
08.2021 - 11.2021
Mortgage Underwriter III-Correspondent
Truist Bank
01.2021 - 07.2021
Mortgage Underwriter II-Correspondent
Truist Bank
07.2018 - 12.2020
QP Management Specialist
SunTrust Banks Inc
08.2014 - 06.2018
Mortgage Loan Specialist
SunTrust Banks Inc
04.2013 - 08.2014
High School Diploma -
Laguna Hills High School
Business And Photography
Irvine Valley College
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