Carol Riedel Email & Phone Number

Sullivan, Oh, Us

United States

Sullivan, Ohio, United States

A family partnership that owns residential rental property. I am responsible for filing taxes, managing rental income and the rental property.

Fort Mill, South Carolina, United States

Throughout my experience as a Senior Underwriter & Post Closing Audit professional in the Retail division at Movement Mortgage, LLC, I directed thorough pre-funding audits to uphold stringent standards of loan quality and ensure regulatory compliance. My role was crucial in spearheading manual underwriting processes for a diverse array of loan products, spanning USDA, VA, FHA, conventional, and bond loans. Leveraging computer applications like PCL, ACES, and Microsoft Office, I continuously sought to improve underwriting efficiency and streamline processes.A few key achievements in this tenure include: Expertly underwrote loans for self-employed borrowers by analyzing complex financial documents such as partnership 1065, Corporate 1120, 1120S, and personal tax returns, including assessments of multiple rental properties. Successfully reviewed team underwriting decisions, rectified errors, and reversed previous decisions to maintain integrity and accuracy in loan approval processes. Exceeded production targets by showcasing a strong work ethic while managing high volumes of work effectively.

Atlanta, Georgia, United States

While working as a Senior Underwriter in the Wholesale division, I was accountable for conducting manual underwrites in strict compliance with established guidelines and standards. I handled a diverse range of loan products, encompassing FHA loans, 203k loans, VA loans, as well as conventional refinance and purchase loans. To optimize efficiency in loan processing and documentation, I relied on Encompass and various Microsoft products. Additionally, I oversaw the review process for condominium FHA/conventional and multi-family property loans.A few key achievements in this tenure include: Contributed to the integrity of the loan process by evaluating appraisals and title documents while ensuring accuracy. Evaluated several loan applications, determined creditworthiness, assessed risk, and established appropriate loan conditions.

Gaithersburg, Md

For more than two years, I worked as a Senior Underwriter in the Correspondence department at Homespire Here, I took charge of leading the underwriting process for condominium and multi-family loans, along with performing manual underwriting tasks. Leveraging Encompass and Microsoft products, I implemented strategies to enhance the efficiency of our underwriting operations. I also acted as the sole underwriter for our top sales producer.A few key achievements in this tenure include: Served as an advisor to deliver expert guidance while on the underwriting help desk. Ensured adherence to quality and regulatory standards for investors, including FHA, VA, and conventional guidelines.

Boca Raton, Florida, United States

While working as a Senior Retail Underwriter, I took on the responsibility of underwriting FHA/VA and conventional loans while maintaining full accountability. My role involved regular analysis and revision of Condominium and Multi-family properties, as well as the submission of applications with accompanying loan documentation.A few key achievements in this tenure include: Set a benchmark of excellence by conducting thorough manual reviews of complex loans in line with company regulations. Accomplished file conditioning and informed decision-making by completing detailed reviews of credit, employment, assets, full appraisal, compliance documents, and fraud tools.

Tampa, Florida, United States

At American Mortgage Consultants, I led post-closing audits of restructured and modified foreclosed loans. Here, I finalized, gathered, and communicated audit findings to the supervisor in a timely manner.A few key achievements in this tenure include: Met investor and compliance guidelines while managing re-underwriting loans.

Colorado Springs, Colorado, United States

As a DE Mortgage Underwriter, I performed post-closing audits to ensure all loans adhered to investor guidelines. Here, I underwrote FHA loans in accordance with federal regulations and lender requirements. Also, I analyzed credit, income, assets, and appraisals to mitigate financial risk.A few key achievements in this tenure include: Facilitated the management in the acquisition of essential documents to ensure the marketability of loans to investors and on the secondary market.

Independence, Oh

Here, as the Senior Level 3 Underwriter, I was liable for underwriting conventional loan products. In addition, I managed the escalation of FHA loans based on the need for manual underwriting.A few key achievements in this tenure include: Attained top performance among 15 underwriters by passing all test cases from the National Underwriting Department.

Computer Science, 3.57

Computer Science

Human Services