Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Interests
Timeline
Generic

REENA KELLY

Delaware,Ohio

Summary

Dynamic and results-oriented Mortgage Underwriting and Operations Leader with extensive experience at JP Morgan Chase specializing in risk assessment, loan underwriting, operational excellence, and process optimization. Proven success leading high-performing teams, streamlining workflows, and strengthening underwriting quality, compliance, and performance metrics. Skilled in fraud detection, underwriting governance, and mentoring underwriters and support teams to drive accuracy, efficiency, and continuous improvement. Recognized for building strong client and business partnerships while delivering sound risk decisions and operational results.

Overview

21
21
years of professional experience
1
1
Certification

Work History

Associate Underwriting Supervisor / Process Manage

JP Morgan & Chase
Columbus, OH
12.2018 - Current

• Lead underwriting operations and support process management initiatives for mortgage banking teams.

• Supervise workflow execution, ensuring compliance with company guidelines and quality standards.

• Mentor and support underwriters and new team members.

• Resolve escalated loan and operational issues while maintaining service-level expectations.

Senior Government Underwriter IV

JP Morgan & Chase
Columbus, OH
01.2012 - 12.2018

• Underwrote Chase Private Client and relocation loans in accordance with company guidelines.

• Evaluated borrower creditworthiness through detailed analysis of financial documentation.

• Reviewed loan files for accuracy, completeness, and fraud indicators.

• Consistently achieved high production and quality performance metrics.

Senior Mortgage Underwriter

ING Direct
Wilmington, DE
05.2011 - 01.2012
  • Evaluated mortgage applications to ensure compliance with underwriting guidelines and risk assessment protocols.
  • Analyzed borrower financial profiles to determine creditworthiness and loan eligibility.
  • Collaborated with loan officers to clarify documentation requirements and expedite approval processes.
  • Mentored junior underwriters on best practices for risk evaluation and decision-making standards.

Mortgage Underwriter and Closer

Provident Funding Associates, LP
Mount Laurel, NJ
10.2005 - 05.2011
  • Analyzed borrower creditworthiness and financial statements to determine approval eligibility.
  • Developed strong working relationships with external vendors for efficient management of property appraisals and title searches.
  • Strengthened relationships with real estate professionals, providing timely and accurate information to facilitate smoother transactions.
  • Evaluated loan applications to ensure compliance with underwriting guidelines and risk assessment standards.

Education

Bachelor of Science - Business Management

Richard Stockton College
Pomona, NJ
05-2005

Associate of Science - Business Administration And Management

Burlington College
Pemberton, NJ
05-2002

Skills

  • Team Leadership & Mentoring
  • Risk Assessment & Mitigation
  • Process Improvement
  • Regulatory Compliance
  • Fraud Detection
  • Credit & Financial Analysis
  • Workflow Optimization
  • Customer Relationship Management
  • Workforce training initiatives
  • Workflow optimization

Accomplishments

  • Collaborated with team of 80 in the development of UW Support functions in India and Manila.
  • Resolved product issue through consumer testing.
  • Achieved 100% Service Level Agreement and Quality by completing loans with accuracy and efficiency.

Certification

Direct Endorsement Underwriter - CHUMS# GX56

Interests

  • Personal Development and Self-Improvement
  • Adventure Travel
  • I enjoy cooking for friends and family gatherings
  • Watching Movies and TV Shows
  • Music and Entertainment

Timeline

Associate Underwriting Supervisor / Process Manage

JP Morgan & Chase
12.2018 - Current

Senior Government Underwriter IV

JP Morgan & Chase
01.2012 - 12.2018

Senior Mortgage Underwriter

ING Direct
05.2011 - 01.2012

Mortgage Underwriter and Closer

Provident Funding Associates, LP
10.2005 - 05.2011

Bachelor of Science - Business Management

Richard Stockton College

Associate of Science - Business Administration And Management

Burlington College
REENA KELLY