Kelly McKellar

• Analyzed borrower financial data to assess loan eligibility and risk factors.
• Reviewed mortgage applications for accuracy and completeness according to guidelines.
• Collaborated with loan officers to clarify documentation requirements and resolve discrepancies.
• Utilized underwriting software to evaluate credit reports and property appraisals efficiently.
• Maintained compliance with federal, state, and investor regulations during the underwriting process.
• Documented underwriting decisions clearly to support approval or denial outcomes.
• Approved or denied loans based on established criteria and underwriting guidelines.
• Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
• Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
• Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
• Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
• Verified integrity of applicants' information to minimize fraud.
• Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
• Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
• Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
• Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
• Reduced processing time for mortgage applications through diligent management of underwriting tasks.
• Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
• Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
• Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
• Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.

FHA/VA and Conventional loans

Reviewed credit, income and assets for investor requirements. Communicated with processors and loan officers.