SUSAN L. KEE
Mortgage Finance Professional
MD-VA
Summary
Background includes training and mentoring new underwriters on procedures, policies and strategies for success. Dedicated to improving team productivity and helping each person achieve objectives. Accomplished in reducing risky policies and improving company profitability through strong decision-making, critical thinking and conflict management skills. Keen relationship-builder with excellent communication and organizational skills. Analytical Senior Underwriter with 22 years of underwriting experience steering applications through approval process.
Overview
35
35
years of professional experience
Work History
Sr. Underwriter
Lending3
09.2020 - Current
- Appraisal/Collateral review
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- FHA, CONV, NON-QM, DPA (VA SAR)
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
Loan Partner
AnnieMac Home Mortgage
01.2020 - 09.2020
- Analyze credit reports, income, and assets for loan pre-approval, and Prepare Income Calculation Worksheets for all borrower types
- Submit a file to opening, Lock loans, Price Loans, Approve rate adj, Appraisal/Collateral review
- FHA, CONV, NON-QM, DPA, VA STREAMLINE & PURCHASE
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Managed a diverse pipeline of loan, prioritizing tasks effectively to meet deadlines and maintain quality standards.
Underwriter III
Paramount Residential Mortgage
07.2017 - 07.2019
- Underwrite credit, income, and assets for all loan types
- Appraisal/Collateral review
- FHA, USDA, Fannie Mae, Freddie Mac, Jumbo, 203K, VA High Balance, DU, LP, Streamlines CQ & NCQ, Manual, Total
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Collaborated with sales teams to develop competitive pricing strategies for new products, increasing market share.
Underwriter III
Allied Home Mortgage
04.2016 - 02.2017
- Underwrite credit, income, and assets for all loan types
- Appraisal/Collateral review
- FHA, USDA, Fannie Mae, Freddie Mac, Jumbo, 203K, VA High Balance, DU, LP, Streamlines CQ & NCQ, Manual, Total
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Underwriter III
Mortgage Services III LLC
03.2011 - 04.2016
- Branch Underwriter
- Train staff on all FHA loan products (manual and Total) and responded to all FHA Audits
- Underwriter, credit, income, assets, and collateral
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Collaborated with sales teams to develop competitive pricing strategies for new products, increasing market share.
- Streamlined underwriting processes by creating standardized templates for evaluating applicant qualifications.
Auditor/Underwriter
Mortgage Dynamics
01.2008 - 01.2010
- Traveled from East Coast to West Coast Auditing Underwritten FHA loans
- Enhanced financial accuracy by conducting thorough audits and identifying discrepancies in financial statements and underwritten loans
- Contract underwriting when needed FHA and FNMA
- Increased internal control effectiveness through diligent evaluation of processes and providing recommendations for improvement.
- Ensured compliance with regulatory requirements by performing regular audits and staying up-to-date on industry standards.
- Collaborated with cross-functional teams to identify areas of risk and implement preventative measures.
Wholesale Manager/Director of Operations
Fidelity Home Mortgage
04.2002 - 08.2008
- Manage a pipeline of 150,000,000 with various warehouse banks
- Managed more than 200 branches, Retail and Wholesale
- Organized day-to-day operations of the corporate office
- FHA, VA, FNMA, FHLMC, SUBPRIME, DPA, INHOUSE-PORTFOLIO LOANS
- Increased wholesale revenue by implementing strategic sales techniques and cultivating strong customer relationships.
- Expanded client base with proactive outreach initiatives, resulting in a more diverse portfolio of customers.
- Played an active role in developing promotional campaigns targeted at increasing sales volume during seasonal periods or special events.
- Spearheaded trade show participation efforts as a means of promoting company products and expanding reach within the market space.
- Researched and evaluated potential suppliers to determine best fits for company needs and to identify cost savings opportunities.
Education
Business Management -
National Business College
Roanoke, VACertification in Property Management -
Essex Community College
Rosedale, MDSkills
- Encompass and Point
- Branch Development
- Excellent leadership
- Business Development
- Marketing Analysis
- Public Speaking
- Critical Thinking
- Training and Mentoring
- Quality Assurance
- Time Management
- Excellent Communication
- Problem-Solving
- Team building
Accomplishments
President's Lifetime Achievement Award for Volunteer Service 2023
Author, Conversations Over Coffee, from Seed to Cup 2022
Legacy Award 2016
hobbies and interests
- Educating 1st Time Homebuyers
- Habitat for Humanity, and The Urban League
- Floral Design,
Certification
FHA CHUMS BM53
VA Automatic UW #021407
NMLS MD Expired
Timeline
Sr. Underwriter
Lending3
09.2020 - Current
Loan Partner
AnnieMac Home Mortgage
01.2020 - 09.2020
Underwriter III
Paramount Residential Mortgage
07.2017 - 07.2019
Underwriter III
Allied Home Mortgage
04.2016 - 02.2017
Underwriter III
Mortgage Services III LLC
03.2011 - 04.2016
Auditor/Underwriter
Mortgage Dynamics
01.2008 - 01.2010
Wholesale Manager/Director of Operations
Fidelity Home Mortgage
04.2002 - 08.2008
Business Management -
National Business College
Certification in Property Management -
Essex Community College
Similar Profiles
Matthew EllisMatthew Ellis
Audio/Visual Installation Contractor at SIG SystemsAudio/Visual Installation Contractor at SIG Systems
Rodrick D. MitchellRodrick D. Mitchell
Senior Business Services/Enterprise Technician at Comcast BusinessSenior Business Services/Enterprise Technician at Comcast Business
Sarmad KhanSarmad Khan
Security Consultant at SSecurity Consultant at S
Michelle HerringMichelle Herring
Sr. Underwriter at Discover Home LOANSSr. Underwriter at Discover Home LOANS
Michelle HerringMichelle Herring
Sr. Underwriter at Discover Home LoansSr. Underwriter at Discover Home Loans