Kelli Mcpherson Email & Phone Number

Glen Allen, Virginia

*Manage underwriting team that specializes in Agency, Portfolio, Construction to Perm. FHA and VA.*Manage daily workflow to meet service level agreements*Lending Authority $ 3,000,000 with expanded exception authority*Review and respond to quality findings and determine root cause. Coach associates accordingly and report to Senior Management*Work closely with sales partners to resolve escalations

*Underwrite Portfolio and Agency Mortgage loan applications*Make credit decisions based on current investor guidelines *Review all credit documentation including income verifications, assets, credit and appraisals*Experience with complex borrowers *Manage daily workflow to meet required service level agreements

*Manage Non conforming underwriting team*Manage daily activities to ensure service level agreements are met*Lending authority up to 2,000,000*Responsible for staffing, performance and retention of associates*Manage daily compliance and quality reporting and respond to findings. Report root cause and action plan to senior leaders. Coach associates accordingly. *Approved with National Mortgage Licensing Systems in accordance with SAFE Act*Specialize in Non-Conforming more complex clients. Support Platinum and U.S.Trust borrowers*Experience with MHA, Conforming, High Balance and Relocation loans*Audit loan files daily for income, asset and compliance to policy.

Richmond, Virginia Area

*Reviewed all loans requiring exception to policy *Approve exceptions within delegated authority*Support site with transactions related to credit decisions*Experienced with complex income and asset verifications*Lending authority to 2,000,000*Administered test cases to new and existing associates to obtain lending authority *Managed compliance and quality findings for the site. Implement and facilitate procedures to improve findings as needed.*Worked directly with Investors and Corporate underwriting to comply with secondary market guidelines.

*Underwrote Conforming and Non Conforming transactions*Proficient in reviewing income, asset, title and collateral documents*Worked closely with processors, 3rd party vendors and sales partners*Managed daily activities and pipeline to maintain service level agreements*Maintained excellent quality results

*Underwrote Conforming Loan files*Proficient in reviewing all credit documents to conform to secondary market guidelines*Top producer*Manage daily activities