Shane Kernya
Saint Clair Shores,MI
Summary
Accomplished Mortgage Underwriting Team Leader with a proven track record at Amerisave Mortgage, showcasing exceptional problem-solving and team motivation skills. Achieved significant improvements in process accuracy and team performance through effective coaching and meticulous attention to detail. Expert in risk mitigation and loan approval, ensuring compliance and client satisfaction.
Overview
6
6
years of professional experience
Work History
Mortgage Underwriting Team Leader
Amerisave Mortgage
08.2021 - Current
- Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.
- Empowered team members by delegating responsibilities according to individual strengths and areas of expertise.
- Developed team members'' skills through targeted coaching sessions, resulting in improved individual performance.
- Mitigated potential losses through diligent identification of irregularities in loan underwriting processes and credit risk assessments.
Sr. FHA Mortgage Underwriter
United Wholesale Mortgage
09.2019 - 05.2021
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Loan Originator
Quicken Loans
02.2019 - 09.2019
- Conducted thorough borrower assessments to determine appropriate loan products based on individual needs and qualifications.
- Reviewed credit reports and financial statements to accurately assess risk factors before submitting loans for approval.
- Negotiated favorable terms and conditions for clients, ensuring the best possible mortgage options.
Education
Associate of Science - Human Biology
Macomb Community College
Warren, MI05-2017
Skills
- Teamwork and collaboration
- Problem-solving
- Attention to detail
- Team motivation
- Work Planning and Prioritization
- Coaching and mentoring
Timeline
Mortgage Underwriting Team Leader
Amerisave Mortgage
08.2021 - Current
Sr. FHA Mortgage Underwriter
United Wholesale Mortgage
09.2019 - 05.2021
Loan Originator
Quicken Loans
02.2019 - 09.2019
Associate of Science - Human Biology
Macomb Community College
Similar Profiles
Theodore MatosichTheodore Matosich
SVP of Customer Relations at AmeriSave Mortgage CorporationSVP of Customer Relations at AmeriSave Mortgage Corporation
Linda PhoudamneunLinda Phoudamneun
Junior Underwriter at AmeriSave Mortgage CorporationJunior Underwriter at AmeriSave Mortgage Corporation
Lynn LeonardLynn Leonard
SVP Od Post Closing at AmeriSave Mortgage CorporationSVP Od Post Closing at AmeriSave Mortgage Corporation