Sara Burkart
Howell,MI
Summary
Career has focused on the Real Estate Industry; I have been a Mortgage Underwriter since 2014 in residential lending, increasing knowledge to a DE underwriter for 5+ years and VA/SAR for 2+ years
Overview
23
23
years of professional experience
Work History
Underwriting Team Lead
Plains Commerce Bank
06.2020 - 10.2023
- Trained new team members by relaying information on company procedures and safety requirements.
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging skills.
- Managed schedules, accepted time off requests and found coverage for short shifts, while also doing production to stay current on guidelines
- Audited team performance and compliance with agency and overlay standards.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Directed and supervised team of 5+ team members engaged in agency guidelines and production development
- Worked different stations to provide optimal coverage and meet production goals.
Senior Mortgage Underwriter
United Wholesale Mortgage
01.2008 - 06.2020
- Providing Quality Control, Underwriting and Processing services
- Analyzed entire credit package and collateral for residential mortgage loans and ultimately ensured investor quality loan product.
- Evaluated financial strength of borrowers to determine risk and repayment capacity.
- Excellent communication with internal and external clients as to progress of file.
- Review conditions for acceptability against guidelines and determine credit risk
- Verified integrity of applicants' information to minimize fraud.
Title Analyst / Escrow Officer / Receptionist
Able Title Agency
01.2006 - 01.2007
- Pulled property and borrowers information from Data Trace
- Typed requirements, exceptions, and taxes on commitment
Post-Closer / Processor / Receptionist
Philip R Seaver Title Co
01.2001 - 01.2003
- Verifying that either closing or post-closing packages were in stacking order and were delivered to appropriate party in timely fashion.
- Shipping out post-closed packages to Lenders & Brokers
- Escrow Secretary for 2 closers for about 4 months.
- Checked accuracy and completeness of all paperwork
Education
Underwriting Knowledge
UWM
Diploma -
Farmington High School
Farmington, MI02.2001
Skills
- Lead Identification
- Production Monitoring
- Technique Optimization
- Quality Control
- Job Assignments
- Risk Management
- Operational Efficiency
- Government Standards
- Freddie Mac and Fannie Mae Compliance
Timeline
Underwriting Team Lead
Plains Commerce Bank
06.2020 - 10.2023
Senior Mortgage Underwriter
United Wholesale Mortgage
01.2008 - 06.2020
Title Analyst / Escrow Officer / Receptionist
Able Title Agency
01.2006 - 01.2007
Post-Closer / Processor / Receptionist
Philip R Seaver Title Co
01.2001 - 01.2003
Underwriting Knowledge
UWM
Diploma -
Farmington High School
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