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Konick - Underwriter - Pittsburgh, PA, USA

Kelly Konick

Pittsburgh, PA, USA

Services

Underwriter

Summary:

20+ years’ experience in the Mortgage Industry
19+ years’ frontline underwriting experience
5+ years’ certified appraisal quality assurance review for Conventional, USDA and PHFA loan products
Extensive experience underwriting the following: Conventional Underwriting All FNMA and FHLMC loan products, Manual Underwriting, Sub Prime, USDA, All PHFA loan products, Super Conforming Port Folio, & Wealth Management Jumbo loans, Correspondent Underwriting, Delegated Underwriting and Delegated Mortgage Insurance
Maximum signing authority of $1 Million
Experience with following systems DU, LP, GUS, Calyx, TMO, IMPACT, UCDP, GAAR, Data Verify, Corelogic, Image Express, Blitz Docs, CBC and Credit Plus
Excellent analytical/decision making skills, strong verbal/written communication skills and negotiation skills
Knowledgeable of state and federal regulatory requirements along with USDA, Fannie Mae and Freddie Mac requirements, MI and compliance policies
Self-motivated, superior time management, high attention to detail & multi-tasking skills
Superior communication and interpersonal skills

Work History

Conventional Delegated/Correspondent Underwriter/Delegated Mortgage Insurance Underwriter

First Capital Mortgage Group Inc

March 2013 - September 2013

Pittsburgh PA
March 2013 - September 2013
Conventional Delegated/Correspondent Underwriter/Delegated Mortgage Insurance Underwriter
• Responsible for underwriting mortgage loans for Wholesale and Retail to; FNMA and FHLMC, USDA, to the end investor
• Utilize Fannie Mae DU and Freddie Mac LP and USDA GUS systems and analyzed findings to ensure all credit and collateral requirements are met
• Full appraisal reviews for FNMA, Freddie, USDA and PHFA
• Review and analyze tax returns, income documentation, credit histories, asset documentation and other financial information to make quality decisions on loans
• Submitted loans to USDA under current guidelines and Current Administrative Notice regulations for multiple states
• Maintain quality and consistency for all loans to ensure profitability and salability

Level II Conventional/Manual/USDA Underwriter

PNC Mortgage

July 2009 - December 2012

• Responsible for underwriting mortgage loans for Retail to; FNMA and FHLMC, Super Conforming Conventional, USDA and Portfolio investor guidelines in a production environment to ensure creditworthiness and salability to the end investor
• Utilize Fannie Mae DU and Freddie Mac LP and USDA and analyzed findings to ensure all credit and collateral requirements are met
• Manually Underwriting for USDA and Portfolio loan products
• Full appraisal reviews for FNMA, USDA and Manual Underwriting
• Maintained high quality and production standards with an average of 4 credit decisions per day
• Reviewed and analyzed tax returns, income documentation, credit histories, asset documentation and other financial information to make quality decisions on loans

Quality Assurance Analyst

DiCenzo Personnel

December 2008 - July 2009

• Reviewed and analyzed FHA, USDA, Conventional Wholesale and Retail Appraisals
• Minimum 40 appraisal reviews a day with high quality rating
• Training new hires on all appraisal types
• Maintaining and exceeding daily and monthly order goals

Senior Account Executive/Field Underwriter

Wilmington Finance Inc

December 2001 - June 2008

• Maintaining Broker and Lender Client relations
• Field underwriting to ensure creditworthiness and salability to the end investor prior to final submission
• Managing and maintaining a book of 40+ clients and territory
• Meeting the minimum or exceeding the monthly requirements for volume, sales and profitability
• Delivered market quality control products and services to Mortgage Brokers, Banks and Lenders
• Provided training and support to Clients on internal systems and processes
• Reviewed and analyzed tax returns, income documentation, credit histories, asset documentation and other financial information to make quality decisions on loans

Senior Account Executive/Field Underwriter

Peoples Choice

June 2001 - December 2001

• Maintaining Broker and Lender Client relations
• Field underwriting to ensure creditworthiness and salability to the end investor prior to final submission
• Managing and maintaining a book of 40+ clients and territory
• Meeting the minimum or exceeding the monthly requirements for volume, sales and profitability
• Delivered market quality control products and services to Mortgage Brokers, Banks and Lenders
• Provided training and support to Clients on internal systems and processes
• Reviewed and analyzed tax returns, income documentation, credit histories, asset documentation and other financial information to make quality decisions on loans

Operations Consultant

Core One Mortgage

January 2001 - May 2001

• Managed initial Operational startup
• Implementation of following procedures; management procedures, workload scheduling and insure two branches in Pennsylvania and Maryland were in compliance
• Hiring and training of all employees to review and analyze tax returns, income documentation, credit histories, asset documentation and other financial information to make quality decisions on loans
• Reviewed all documentation provided to insurance that all guidelines, compliance guidelines and federal regulations would be met

Assistant Operation Manager/ Underwriting Manager/Sales Manager for 15 reps

Conti Mortgage Corporation

November 1994 - November 2000

• Assisted Operation Manager in daily functions of maintaining operations
• Managed an Underwriting Staff to insure a working a production environment for accuracy and credit-worthiness and cross referenced against secondary investor guidelines while maintaining underwriting timelines and communications with clients
• Managed a multi-state market for Sales Production Team of 15
• Reviewed mortgage loan submissions for accuracy and credit-worthiness and cross referenced against secondary investor guidelines while maintaining underwriting timelines and communications with clients
• Maintaining Broker and Lender Client relations
• Meeting the minimum or exceeding the monthly requirements for volume, sales and profitability

Qualifications & Certifications

Baldwin Senior High

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