Summary
Work History
Education
Skills
Timeline
Generic

Richard Kumbier

Oshkosh,WI

Summary

Dynamic and results-driven Senior Underwriter with extensive experience at Community First Credit Union. Expert in risk assessment and credit analysis, successfully mentoring teams to enhance performance. Proven track record in compliance and quality assurance, contributing to improved underwriting processes and increased market share through strategic collaboration.

Work History

Underwriter

Mercury Finance
  • 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.

Loan Originator

All American Mortgage
  • Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
  • Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.

Loan Officer

Miller Electric Credit Union
  • Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
  • Built strong relationships with lenders, brokers and clients for constructive communications.

Underwriter

Community First Credit Union

Senior Underwriter

Community First Credit Union
  • Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
  • Collaborated with sales teams to develop competitive pricing strategies for new products, increasing market share.
  • Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly.
  • Evaluated loan applications for affordability and conformance with underwriting guidelines.

Education

Associate Of Applied Science - Computer And Information Systems

Moraine Park Technical College
Fond Du Lac, WI
10.1992

Skills

  • Underwriting guidelines
  • Analyzing data
  • Documentation review
  • Risk assessment
  • Quality assurance
  • Credit analysis
  • Application review
  • Risk management
  • Risk mitigation
  • Quality control
  • Loss prevention
  • Loan evaluation

Timeline

Underwriter

Mercury Finance

Loan Originator

All American Mortgage

Loan Officer

Miller Electric Credit Union

Underwriter

Community First Credit Union

Senior Underwriter

Community First Credit Union

Associate Of Applied Science - Computer And Information Systems

Moraine Park Technical College

Similar Profiles

CREATE PROFILE
Richard Kumbier