Summary
Overview
Work History
Education
Skills
Websites
Additional Information
Timeline
BusinessAnalyst

Sherry McKenney

Cedar Hill,MO

Summary

Hardworking and passionate job seeker with strong analytical skills eager to secure a mortgage underwriting position in remote environment. Ready to share 32 years of experience in the industry to resolve challenges and propel business growth. Collaborative team player with ownership mentality and track record of delivering the highest quality strategic solutions. Self motivated with 16 years working remotely. Excellent communication skills to create a positive customer experience. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

32
32
years of professional experience

Work History

Wholesale Mortgage Underwriter

Freedom Mortgage Corporation
Fishers, IN
10.2020 - 12.2021
  • Full document review for FNMA/FHLMC residential loans. Validating all assets, income, appraisal, contracts, title and disclosures adhere to DU/LP guidelines.
  • Determined credit risks by thorough review of files and comparing data against internal checklists and risk assessment tools.
  • Maintained sound knowledge of multiple loan products products offered to ensure compliance with all guidelines and applicable laws.
  • Worked closely with brokers, processing team and sales to obtain missing information. Structured follow up to prevent aging loans.
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by providing clear feedback and expectations.
  • Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
  • Accurately set required closing conditions and confirm credit and loan documentation does not expire before loan has funded.
  • Ensured approved loans meet all secondary market investor guidelines to allow resale.

Quality Control Analyst

Rockwood Bank
Eureka, MO
01.2019 - 10.2020
  • Ensured Federal and State compliance on personal and business lending by complete review of loan files prior to loan estimate and closing disclosure issuance,
  • Federal and State audit support, preparation of financial statements and daily balancing of third party fee accounting.
  • Accurately prepared and filed required UCC's, mortgage releases.
  • Provided loan payoff quotes, processed construction disbursements and reviewed construction progress through appraiser feedback.
  • Notary Commission number 19262070. State of Missouri through June 27, 2023
  • Created and maintained database to monitor flood and hazard insurance coverage for all secured loans. Effectively communicated insurance requirements to borrower and force placed insurance to protect the banks collateral as required.
  • Adhered to safety and clean area procedures to comply with agency and regulatory mandates.
  • Compiled and distributed weekly feedback to team leaders and managers to improve service time and quality while increasing productivity.
  • Kept inspection journals and daily summary logs as required.
  • Developed and maintained quality assurance procedure documentation. Trained my replacement prior to resignation.

Senior Mortgage Underwriter

Citibank, NA
O'Fallon, MO
08.1999 - 03.2018
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and internal risk assessment tools.
  • Solid credit knowledge of Conventional loans adhering to FNMA/FHLMC guidelines. $500,000.00 credit authority with certification to validate all aspects of the loan transaction.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited. Providing feedback and support to peers increasing team morale.
  • New hire training, delegation and mentoring in Michigan and Missouri. Weekly conference calls with management for status on trainees and log status of loans in pipeline.
  • Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.

Education

High School Diploma -

Francis Howell High School
Saint Charles, MO
05.1988

Skills

  • Automated Underwriting System (AUS)
  • Income Evaluation & Validation
  • Property Evaluation & Validation
  • Complex Problem Solving
  • Attention to Detail - Sound Decision Making
  • Credit History Review - Creditworthiness Determination
  • NMLS Registration #738318 (expired)
  • Time Management & Database Management
  • Multitasking and Prioritization
  • Remote Video Conferencing
  • Report Preparation for timed standards
  • Consistently exceed goals set by management

Additional Information

Letters of recommendation present on LinkedIn profile.

Additional references available upon request.

Timeline

Wholesale Mortgage Underwriter

Freedom Mortgage Corporation
10.2020 - 12.2021

Quality Control Analyst

Rockwood Bank
01.2019 - 10.2020

Senior Mortgage Underwriter

Citibank, NA
08.1999 - 03.2018

High School Diploma -

Francis Howell High School

Similar Profiles

CREATE PROFILE
Sherry McKenney