TAMMY Kerr
Tampa,USA
Summary
Accomplished USMC veteran with a wealth of expertise in FHA/VA and Conventional underwriting. Demonstrates exceptional problem-solving abilities and a proactive attitude towards new challenges. Possesses adaptability, creativity, and a results-driven mindset as essential qualities. Dedicated to making significant contributions and driving organizational objectives forward.
Overview
16
16
years of professional experience
Work History
Senior Mortgage Underwriter
DHI Mortgage Company
07.2020 - 11.2024
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Developed strong relationships with Loan Originators, Processors and Closers to facilitate smooth communication throughout the mortgage process.
- Upheld data privacy standards by securely handling confidential client information during the underwriting process.
- Fostered a positive team environment by maintaining open lines of communication and supporting colleagues in their professional development.
Senior Mortgage Underwriter
Eagle Home Mortgage
08.2016 - 07.2024
- Made Sound Credit Decisions Utilizing my SAR/LAPP, DE, USDA and Conventional credentials: Provide meticulous attention to detail in evaluating the financial strength of borrowers to determine risk and repayment capacity
- Counter-offering loans not approved as submitted: Offering the Sales Team alternative products that accommodates customer needs while minimizing risk to the Lender
- Pipeline Management: Providing excellent follow-through with loan processors, loan originators and management throughout all phases of the underwriting process to ensure customer expectations are exceeded
Mortgage Underwriter, Officer
BANK OF AMERICA
01.2013 - 01.2016
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
Counseling Director
BAY AREA HOUSING
01.2009 - 01.2013
- Building a brand-new Counseling Division by recruiting, training and mentoring a successful team that achieved a 90% home retention rate in the foreclosure arena
- Counseling Director/Skilled Trainer: Managed day to day operations, including monthly call monitoring of the Homeownership Counselors
- Developing and implementing a user-friendly database, task list and file log detailing activities and timelines for individual case files; improving counselor's efficiency and productivity
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Education
Business - Administrative Honor Student
Delta College
Engineering - Mathematics Student
Saginaw Valley State University
Sergeant - Honorably Discharged
United States Marine Corps
Skills
- VA, FHA, USDA and Conventional Underwriter
- Leadership Background
- Strong decision-making
- Team Interaction Skills
Educationandmilitaryaffiliation
- Delta College, Business Administrative Honor Student
- Saginaw Valley State University, Engineering/Mathematics Student
- General Motors Institute, Engineering Student
- United States Marine Corps, Honorably Discharged Sergeant (E-5), Navy Commendation Medals, Navy Achievement Medal, Good Conduct Medal, Overseas Deployment Ribbon
Timeline
Senior Mortgage Underwriter
DHI Mortgage Company
07.2020 - 11.2024
Senior Mortgage Underwriter
Eagle Home Mortgage
08.2016 - 07.2024
Mortgage Underwriter, Officer
BANK OF AMERICA
01.2013 - 01.2016
Counseling Director
BAY AREA HOUSING
01.2009 - 01.2013
Engineering - Mathematics Student
Saginaw Valley State University
Business - Administrative Honor Student
Delta College
Sergeant - Honorably Discharged
United States Marine Corps
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