Summary
Overview
Work History
Education
Skills
Timeline
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Steven Koleski

New Baltimore,MI

Summary

Astute and methodical Senior Mortgage Underwriter with over 25 years of underwriting experience along with prior experience originating, processing and closing mortgage loans.

Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Dedicated to customer service and making the loan process workflow as efficient and trouble-free as possible

Overview

24
24
years of professional experience

Work History

Senior Mortgage Underwriter

Flagstar Bank
05.2014 - Current
  • Maintained mortgage program compliance with federal agencies such as HUD, VA, USDA and FNMA/FHLMC.
  • Issued Notices of Value (NOV) to veterans using VA SAR/LAPP designation.
  • Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
  • Reduced loan processing time by implementing efficient underwriting practices and effectively collaborating with loan officers.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Excellent quality record on audited loans.
  • Rated very high in all aspects of customer service.

Senior Mortgage Underwriter

JP Morgan Chase
05.2007 - 09.2013
  • Maintained mortgage program compliance with federal agencies such as HUD, and FNMA/FHLMC.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Increased team productivity by mentoring junior underwriters, sharing industry knowledge, and providing constructive feedback on their work.

Senior Mortgage Underwriter

GMAC Mortgage
10.2000 - 05.2007
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Processed loan applications and monitored progress from start to finish.
  • Responsible for processing and closing of GM executive loans due to strong customer service skills.
  • Promoted to FHA DE underwriter after one year of underwriting

Education

Bachelor of Arts - Business

Michigan State University
East Lansing, MI
05-1991

Skills

  • Problem-solving
  • Attention to detail
  • Effective Decision-Making
  • Excellent communication
  • Customer service-focused

Timeline

Senior Mortgage Underwriter

Flagstar Bank
05.2014 - Current

Senior Mortgage Underwriter

JP Morgan Chase
05.2007 - 09.2013

Senior Mortgage Underwriter

GMAC Mortgage
10.2000 - 05.2007

Bachelor of Arts - Business

Michigan State University

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Steven Koleski