Kathrine Carter-Sousa, Realtor® Email & Phone Number

United States

Reviewed borrower's loan applications to ensure completeness of data, verified information listed on applications and obtained additional documents required for conventional loans by Freddie Mac and Fannie Mae for MI Wholesale Mortgage underwriting. Adhered to strict banking regulations in document analysis and determination of creditworthiness on consumer credit lending. Evaluated overall loan documents for accuracy, completeness, and compliance, ensuring loan was marketable. Analyzed credit… Show more Reviewed borrower's loan applications to ensure completeness of data, verified information listed on applications and obtained additional documents required for conventional loans by Freddie Mac and Fannie Mae for MI Wholesale Mortgage underwriting. Adhered to strict banking regulations in document analysis and determination of creditworthiness on consumer credit lending. Evaluated overall loan documents for accuracy, completeness, and compliance, ensuring loan was marketable. Analyzed credit, capacity, cash, and collateral resulting in loan approval, denial, or counteroffer. Formulated net operating income according to GSE guidelines. Verified rate locks against underwriting files with correct program eligibility requirements, credit scores, and pre-payment penalties. Researched and investigated fraudulent information and activity using multiple databases and internal sources assisting in reduced losses. Collaborated closely with the processing and closing teams to perform timely review of conditions submitted and requested loan amount changes as required.Notable Contributions: • Exceeded required production goals each quarter with turnaround time less than average for department. Show less

Costa Mesa, California, United States

Served as a member of the elite underwriting team assisting with funding over 790+ loans. Analyzed financial statements, production reports, tax returns, and credit documentation for accuracy and compliance of lending guidelines. Reviewed documents such as residential loan applications, appraisal documentation, title research and discovery documentation, borrower's disclosure, and mortgage statements and pay offs. Implemented business loan decision based on established policies, rules… Show more Served as a member of the elite underwriting team assisting with funding over 790+ loans. Analyzed financial statements, production reports, tax returns, and credit documentation for accuracy and compliance of lending guidelines. Reviewed documents such as residential loan applications, appraisal documentation, title research and discovery documentation, borrower's disclosure, and mortgage statements and pay offs. Implemented business loan decision based on established policies, rules, guidelines, and credit risk procedures. Contacted borrower to ensured loan terms and conditions were accurately conveyed and documented properly. Ensured the mortgage loan files were within bank policy and followed all federal mortgage regulations and guidelines. Approved loans within specified limits and referred loan applications outside those limits to management for approval. Conducted research and problem-solving techniques to ensure compliance with customer loyalty, quality, and timeliness standards. Provided effective communication and professional partnership to Loan Officers, Underwriters, and Mortgage Assistants.Notable Contributions: • Met and exceed company established goals of completing 5-10 touches per day with a 24 – 48-hour review turnaround time. Show less

Performed analysis and conditioned conventional approved and manual underwritten mortgage loans based on compliance of the 4 C’s of underwriting. Completed detailed analysis of personal assets, income, and liabilities for clients to secure an accurate decision to complete the loan process. Analyzed personal and business tax returns for income qualification for home mortgage loans. Conducted credit risk audit and second reviews of completed files has increased overall audit scores to keep… Show more Performed analysis and conditioned conventional approved and manual underwritten mortgage loans based on compliance of the 4 C’s of underwriting. Completed detailed analysis of personal assets, income, and liabilities for clients to secure an accurate decision to complete the loan process. Analyzed personal and business tax returns for income qualification for home mortgage loans. Conducted credit risk audit and second reviews of completed files has increased overall audit scores to keep company in compliance with client contractual obligations. Calculated debt to income ratios from financial statements, determining eligibility for loan. Cultivated relationships with the broker community and sales representatives by providing timely updates on loan status. Achieved production expectations for reviews of new loans and clearing conditions. Notable Contributions: • Achieved a high level of client satisfaction by delivering exceptional service and providing efficient turnaround. Show less

Walnut Creek, California, United States

Walnut Creek, California, United States