Karin Waymire Email & Phone Number

United States

Houston, Texas, United States

Houston, Texas, United States

• Managed team of Loan Quality Underwriters; the team specialized in review and clearance of specific pre-closing conditions for FHA, VA, USDA, HUD184 and CONV loan types. The team also ran DU and LPA to perfect for late.
• I created the database, guidance and direction for this newly developed team, worked with the policy department to perfect loan conditioning, created training and presentation material, and trained the team members.
• Loan Underwriting skills were used for application of FHA, VA, USDA, HUD184, FNMA, FHLMC and Investor guidelines. Kept up to date on all agency and investor guideline changes, and underwrote some loans including.
• Collaboration with Loan Officers, Processors and front line Underwriters to solve challenges, overcome obstacles and solve efficiency and accuracy matters. Included oversight and analysis of condition trends and team.
• Close collaboration with regional management on items such as documentation acceptance, rush requests for benefit of internal and external customer experience.

Houston, Texas, United States

• Role required working with little supervision, excellent multi-tasking skills, a broad knowledge of the mortgage industry as a whole, and clear & effective communication with co-workers of varying hierarchy levels.
• Used credit and collateral underwriting skills to efficiently troubleshoot and cure FHA and VA agency deficiencies, insured FHA and VA loans through agency systems, paid VA funding fees. Extensive research into and.
• Evaluated underwriting department to discover successes, deficiencies and shortfalls. Created recommendations for improvement and then reported findings and suggested cure to management. Developed training and.
• Worked with senior management to brainstorm new, and maintain & perfect existing underwriting conditions and workflow for improvement of processes and policies.
• Collaborated with senior management and worked with policy team to interpret new agency (FHA, VA, FNMA, FHLMC) and Investor guidelines. Also and worked with policy team to perfect existing internal guidelines in an.
• Created multiple topic training pamphlets, help mates and training presentations for Underwriters and Processors that were posted on intranet. Also created monthly Underwriter Education engagement and monthly LOS loan.

Houston, Texas, United States

• Residential loan Underwriter utilizing both credit and collateral skills to review FHA, VA loans and Conventional loans for both new and existing construction, manufactured housing and condo loans, and DPA/Bond loans.
• Full service Underwriter – manual underwrite of FHA and VA loans, AUS underwrite of FHA, VA and CONV loans; analyze credit, income including self-employed tax returns, assets, MI Cert, full appraisal review, title.
• Evaluate and resolve credit and collateral issues for positive loan outcome. Weighed risk, made loan decision, and communicated decision to production team. Included detailed loan write-up to ‘tell the story’ for all.
• Worked closely and communicated effectively with Processing and Loan Origination staff and outside vendors and appraisers. Effectively met deadlines and processed rushes for production while maintaining file quality..

Houston, Texas, United States

• Residential Loan Underwriter – Conventional Level 4 including Jumbo, FHA and VA loans both AUS and manual underwrite of all loan types. New and existing construction, manufactured homes and condos.
• Interpreted agency (FHA, VA, FNMA, FHLMC) and internal guidelines to ensure loan compliance.
• Worked in team environment, collaborated with Loan Officers and Processors. Ensured productivity goals were met or exceeded, successfully navigated rush requests.
• Manual and AUS underwrite of FHA, VA and CONV loans - analyzed credit, income including self-employed tax returns, assets, MI Cert, full appraisal review, title, insurance, flood certificates; and determined risk.