Seasoned Remote SR Mortgage Underwriter III at KBHS Home Loans, specializing in accurate credit decision-making and adherence to underwriting standards. Demonstrated ability in risk assessment and quality control, which has significantly improved both operational efficiency and customer satisfaction within the mortgage sector.
Hi, I’m
REBECCA NEIRYNCK
The Colony,TX
Summary
Overview
22
years of professional experience
1
FHA Certification
1
VA LAPP SAR
Work History
KBHS Home Loans
Remote SR Mortgage Underwriter III
06.2021 - 03.2025
Job overview
- Fully Underwrite & Decision VA, FHA, Fannie Mae & Freddie Mac Loans: TSAHC, DPA, Bond, MCC’s, Grants
- Analyze Loan packages to deliver valid credit decisions
- Maintain quality control standards while maintaining production standards by company’s definition
- Provide customer service to all staff by effectively explaining credit decisions
- Assure compliance with guidelines and polices
Homebridge Financial Services
Remote Mortgage Underwriter III
09.2019 - 06.2021
Job overview
- Fully Underwrite & Decision VA, FHA, Fannie Mae & Freddie Mac Loans: FHA Streamline, VA IRRL, Manufactured Homes, 203K
- Analyze Loan packages to deliver valid credit decisions
- Maintain quality control standards while maintain production standards by company’s definition
- Provide customer service to all staff by effectively explaining credit decisions
- Assure compliance with guidelines and polices
Amerihome Mortgage
Remote Mortgage Underwriter III
07.2019 - 09.2019
Job overview
- Fully Underwrite & Decision FHA, Fannie Mae & Freddie Mac Loans
- Analyze Loan packages to deliver valid credit decisions
- Maintain quality control standards while maintain production standards by company’s definition
- Provide customer service to all staff by effectively explaining credit decisions
- Assure compliance with guidelines and polices
Washington Agency American Income Life
Financial Services Agent
04.2019 - 07.2019
Job overview
- Helped families with Term & Life Insurance needs
Legacy Texas Bank
SR DE, LAP, SAR Underwriter
03.2015 - 04.2019
Job overview
- Fully Underwrite and Decision VA, VA Jumbo, FHA, Conventional, Freddie Mac and CRA Loans Review Compliance and Appraisal for Portfolio Loans
- : FHA Streamline, VA IRRL, Seth, TSAHC, DPA, Bond, MCC’s, Grants, TX Veterans Land Board etc
- Train New Processors on how to submit a clean file to underwriting Touches 6 -8 files a day, initial, clearing conditions and clearing to close
- Help resolve closing issues
- Maintain a Prior to Purchase Log
- Assistant to Team Lead
Green Bank
Sr. Processor, Jr. Underwriter
11.2014 - 03.2015
Job overview
- Trained Team to go Paperless and on Encompass Operating System
- Coordinate with Borrowers and Sales Team
- Process quality and saleable loans Conventional, FHA, VA, Fannie Mae, Freddie Mac
- Adaptable to new procedures
- Document loan file
- Obtain remaining documents to finalize file
- Keep files moving in pipeline
- File submitted to Underwriter to final sign was always clean and well documented
First United Bank
Team Lead, Sr. Processor, Jr. Underwriter
05.2013 - 11.2014
Job overview
- Coordinate with borrowers and Sales Team
- Process quality and saleable loans Conventional, FHA, VA, Fannie Mae, Freddie Mac, USDA, etc
- Adaptable to new procedures
- Document loan file
- Obtain remaining documents to finalize file
- Keep files moving in pipeline
- Train new processors
- Assign new files
Bank of America
HSS II Jr. Underwriter
05.2012 - 05.2013
Job overview
- Sign off on conditions- Appraisal, Title, Income, Assets, etc
- Final Approve Loan - Conv
- Coordinate with borrowers and Sales Team
- Process quality and saleable loans Conventional, FHA & VA, Fannie Mae, Freddie Mac, etc
- Adaptable to new procedures
- Document loan file
- Obtain remaining documents to finalize file
- Keep files moving in pipeline
- Train new processors
- Train team on Edge Operating System
Education
University of PhoenixPhoenix, AZ
Some College (No Degree) from Business
University Overview
No Degree
Skills
- Documentation review
- Loan origination software
- Loan evaluation
- Encompass
- CRA
- Portfolio Loans
- MS Teams
- Corelogic
- VA loan underwriting
- FHA loan underwriting
- Regulatory compliance
- Credit analysis
- Quality control
- Customer service
- Risk assessment
- Team leadership
- Training and development
- Process improvement
- Time management
- Attention to detail
- Effective communication
- Problem solving
- Loan processing
- Quality control measures
- Mortgage industry awareness
- LTV calculations
- Strong decision-making
- Policy adherence awareness
- Financial analysis proficiency
- Credit risk assessment
- Income calculation accuracy
- Fraud detection
- Underwriting software
- Asset verification methods
- Employment verification techniques
- Residential loans
- Debt-to-income ratio analysis
- Credit report interpretation
- Collateral evaluation
- Residual incomes
- Tax return analysis
- Debt-to-income ratios
- Loan underwriting expertise
- Appraisal review expertise
- FNMA guidelines
- Loan-to-value ratio calculation
- Collateral valuation
- Underwriting guidelines
- Income verification
- Residential mortgage lending regulations
- Relationship building
- Automated underwriting system (AUS)
- Goal setting
- Task prioritization
- Team collaboration
- Remote video conferencing
- Teamwork and collaboration
- Interpersonal communication
- Written communication
- Problem-solving abilities
Certification
- FHA DE March 2016 #IA14
- VA LAPP SAR Nov 2016 #201706
Timeline
Remote SR Mortgage Underwriter III
KBHS Home Loans
06.2021 - 03.2025
Remote Mortgage Underwriter III
Homebridge Financial Services
09.2019 - 06.2021
Remote Mortgage Underwriter III
Amerihome Mortgage
07.2019 - 09.2019
Financial Services Agent
Washington Agency American Income Life
04.2019 - 07.2019
SR DE, LAP, SAR Underwriter
Legacy Texas Bank
03.2015 - 04.2019
Sr. Processor, Jr. Underwriter
Green Bank
11.2014 - 03.2015
Team Lead, Sr. Processor, Jr. Underwriter
First United Bank
05.2013 - 11.2014
HSS II Jr. Underwriter
Bank of America
05.2012 - 05.2013
University of Phoenix
Some College (No Degree) from Business
Similar Profiles
Harry Smith IIHarry Smith II
Senior Mortgage Loan Officer/Regional Sales Manager at KBHS Home Loans/ KB HomeSenior Mortgage Loan Officer/Regional Sales Manager at KBHS Home Loans/ KB Home
Greg Martinez, MF.Greg Martinez, MF.
Mortgage Loan Officer at KBHS Home LoansMortgage Loan Officer at KBHS Home Loans
Victoria PriceVictoria Price
DE Underwriter at KBHS Home LoansDE Underwriter at KBHS Home Loans