Cindy Kimble Email and Phone Number

As a dedicated mortgage credit underwriter and leader of our underwriting department, I am passionate about ensuring the integrity of our lending processes while managing credit risk across various product lines, including VA, USDA, saleable, and portfolio products. My commitment to maintaining HMDA compliance has proven instrumental in driving operational excellence; since overseeing our HMDA reporting, I've significantly reduced our error rate, reinforcing the quality of our outputs.I believe in the power of collaboration and regularly conduct file audits to enhance accuracy and efficiency. By partnering with other departments, I ensure seamless alignment and adherence to the latest product and guideline updates for our portfolio offerings. My track record is backed by consistent commendations from third-party analyses, highlighting the precision of my credit and risk assessments.Through my comprehensive expertise in mortgage underwriting, I aim to foster a culture of diligence and excellence, ultimately contributing to our organization’s growth and reliability in meeting our clients' needs.

Developed a strong knowledge base of the mortgage loan process by partnering and training with underwriting, loan officers, and 3rd party vendors.Completed initial file reviews to ensure all necessary information and documentation was collected before underwriter review.Communicated approval conditions with borrowers to explain and collect necessary documentation for final approval.

Assisted loan officers with processing and organizing loan applications.Reviewed loan program options to present to borrowers.