Shane Kernya
Macomb
Summary
Dynamic FHA/CONV DE Underwriter with proven strengths in team leadership and underwriting training. Expertise in compliance and regulatory knowledge, driving process improvements and quality control. Committed to mentoring junior underwriters to enhance risk analysis capabilities.
Overview
9
9
years of professional experience
Work History
FHA/CONV DE Underwriter
Amerisave Mortgage
Troy, MI
09.2020 - Current
- Reviewed and analyzed borrower income, credit, assets, collateral, and overall risk to determine loan eligibility.
- Evaluated appraisals, title reports, and property conditions to ensure collateral met FHA and Conventional requirements
- Maintained and reviewed a pipeline of more than 300+ loans monthly.
- Collaborated with mortgage brokers to clarify documentation requirements and expedite approvals.
- Mentored junior underwriters on best practices in risk analysis and decision-making processes.
FHA and Conventional Mortgage Underwriter/Trainer
United Wholesale Mortgage
Pontiac, MI
08.2018 - 07.2020
- Mentored junior underwriters and provided ongoing coaching and performance feedback.
- Collaborated with Mortgage brokers to clarify application requirements and resolve issues.
- Trained new and existing underwriters on FHA and Conventional, underwriting guidelines.
- Conducted file reviews and quality audits to identify training needs and compliance issues.
- Developed and delivered underwriting training programs, job aids, and guideline reference materials
Mortgage Loan Originator
Rocket Mortgage
Detroit, MI
01.2017 - 08.2018
- Collected and reviewed required documentation including pay stubs, tax returns, bank statements, and credit reports.
- Maintained communication with borrowers and underwriters throughout the loan process.
- Provided excellent client service from application through closing.
- Interviewed borrowers to evaluate financial status, credit, income, and assets to determine loan eligibility.
- Advised clients on loan programs, interest rates, terms, and closing costs.
Education
High School Diploma -
Fraser High School
Fraser, MI05-2015
Skills
- Team Leadership
- Compliance & Regulatory Knowledge
- Underwriting Training & Mentoring
- Process Improvement
- Continuous learning mindset
- Quality Control & Audit Review
Timeline
FHA/CONV DE Underwriter
Amerisave Mortgage
09.2020 - Current
FHA and Conventional Mortgage Underwriter/Trainer
United Wholesale Mortgage
08.2018 - 07.2020
Mortgage Loan Originator
Rocket Mortgage
01.2017 - 08.2018
High School Diploma -
Fraser High School