Experience

Kiavi

• United States
• Financial Services
• 200 - 300 Employee

• Underwriter

  • Apr 2022 - Present



Stearns Lending, Inc

• United States
• Financial Services
• 500 - 600 Employee

• Senior Underwriter

  • Nov 2020 - Apr 2022

  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. • Experience with Conventional and Jumbo loans • Handled all loans files from initial underwrite to clear to close as sole underwriter assigned. • Verified integrity of applicants' information to minimize fraud. • Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Ac • Maintained excellent attendance record, consistently arriving to work on time (remotely) • Managed quality assurance program, including on-site evaluations, internal audits and customer surveys. • Handled 40+ emails per day to address customer inquiries and concerns. Show less



United Wholesale Mortgage

• United States
• Financial Services
• 700 & Above Employee

• Senior Underwriter

  • May 2019 - Nov 2020

  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. • Analyzed credit, income, compliance, title documents and appraisals during underwriting process. • Determined and documented loan conditions and communicated requirements and decisions. • Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process. • Maintained excellent attendance record, consistently arriving to work on time. • Met 4-hour timeline consistently, turning around applications quickly with firm approval or denial decisions. • Verified integrity of applicants' information to minimize fraud. • Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act. • Maintained excellent attendance record, consistently arriving to work on time. • Managed quality assurance program, including on-site evaluations, internal audits and customer surveys. • Trained junior team members in underwriting procedures and loan quality grading standards. Show less



Kindred

• United States
• Hospitals and Health Care
• 700 & Above Employee

• Rehabilitation Technician

  • Sep 2017 - Apr 2019



Sherwin-Williams

• United States
• Chemical Manufacturing
• 700 & Above Employee

• Sales Floor Associate

  • Feb 2014 - Jan 2019

  • Operated a cash register for cash, check and credit card transactions with 100% accuracy. • Priced merchandise, stocked shelves and took inventory of supplies. • Completed all point of sale opening and closing procedures, including counting the contents of the cash register. • Handled all customer relations issues in a gracious manner and in accordance with company policies. • Shared best practices for sales and customer service with other team members to help improve the store's efficiency. • Recommended, selected and helped locate and obtain out-of-stock product based on customer requests. • Contacted customer to follow up on purchases, suggest new merchandise and inform them about promotions and upcoming events. • Answered an average of 20 calls per day by addressing customer inquiries, solving problems and providing new product information. ​ Education Show less