KYLIE HONG
OTSEGO,MN
Summary
Dedicated professional with extensive background in mortgage lending and providing financial services to small businesses. Experienced and expertise in various capacities, including leadership roles, quality assurance, underwriting and risk management. Possess strong analytical skills with the ability to think through and resolve complex problems independently. Thorough understanding of underwriting policies and investor guidelines with excellent communications and time management.
Overview
17
17
years of professional experience
Work History
Remote Mortgage Underwriter
SitusAMC
West Des Moines, IA
08.2021 - 03.2022
- Conducted detailed analysis of newly originated and seasoned loan products.
- Reviewed loan files for completeness and accuracy including but not limited to, calculation and verification of income and assets, evaluation of credit reports and other loan pertinent compliance documentation.
- Identified loan risk and implement fraud detection techniques to ensure that documents are true and accurate.
- Determined and documented loan conditions, communicate requirements and/ or decisions to clients.
Mortgage Underwriter
Huntington Bank/ TCF Bank
PLYMOUTH, MN
05.2019 - 08.2021
- Determined if application represents acceptable risk including assessing collateral and credit risk for eligibility within bank’s lending authority for all lending products.
- Evaluated and reviewed financial statements, credit reports, appraisals and title work for adherence to lender policy and regulation.
- Reviewed and assessed complex financial and income documentation including self-employment income and Partnerships.
- Analyzed credit policy exceptions and make appropriate approval/ counter offer along with proper overrides while maintaining acceptable levels of delinquency.
Accounting Specialist
Boun Farm, LLC
MARSTON, NC
01.2013 - 04.2019
- Compiled budget documents and monitored costs to maintain control systems
- Maintained current understanding of state and federal accounting procedures to prevent any legal or compliance issues.
- Audited/ processed credit card payments, check requests and petty cash payments.
- Consolidated and reconciled payroll data and prepared payroll returns to effectively reduce outsourcing costs.
Loan Administration Manager/ Subject Matter Expert
Wells Fargo Home Mortgage
BLOOMINGTON, MN
10.2008 - 11.2012
- Oversaw daily activities and operations of 15-member Loan Production team during record-breaking refinance activity period.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
Consumer Loan Underwriter
Wells Fargo Home Mortgage
MINNEAPOLIS, MN
05.2005 - 10.2008
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and financial status.
- Verified integrity of applicants’ information to minimize fraud.
- Originated, reviewed, processed, closed and administered customer loan proposals.
Education
Associate of Arts - Business Communications And Accounting
Minneapolis Business College
Roseville, MN06.1999
Skills
- Financial analysis aptitude
- Application Analysis
- Financial transactions expertise
- FNMA Guidelines
- FHLMC Guidelines
Timeline
Remote Mortgage Underwriter
SitusAMC
08.2021 - 03.2022
Mortgage Underwriter
Huntington Bank/ TCF Bank
05.2019 - 08.2021
Accounting Specialist
Boun Farm, LLC
01.2013 - 04.2019
Loan Administration Manager/ Subject Matter Expert
Wells Fargo Home Mortgage
10.2008 - 11.2012
Consumer Loan Underwriter
Wells Fargo Home Mortgage
05.2005 - 10.2008
Associate of Arts - Business Communications And Accounting
Minneapolis Business College