Kelly Bernard Email & Phone Number

Cleveland, Oh, Us

(previously Caliber Home Loans)

Duties include following prescribed guidelines to analyze risk factors associated with all loans. This includes investigating the following components: credit report, appraisal, income documentation and title work. All the while exceeding customer expectations by strengthening relationships and providing knowledgeable solutions.• Upheld the company’s assets, with an approval authority of $550,000, by ensuring each loan meets our investor requirements and is within the established credit guidelines.• Attained expectation of 8 underwrites/day while maintaining 24-hour turnaround time for new submissions.• Interacted with Compliance, Loss Mitigation and Quality Control departments daily to maintain the integrity of each file and assist in any post funding issues that may arise.• Received Alt-A certification.

Duties included management of the entire workflow from submission to closing in order to maintain loan quality. Responsible for the account executive, broker, closing agent and appraiser networks to also preserve service levels / Duties included the review of loan application and associated documentation to insure thoroughness and accuracy. Approved, declined or recommended transactions in meeting established credit guidelines.• Averaged 380 units/month, approximately $48M in Midwest territory including states of smaller average loan size TX, MI, OH and OK.• Led team to become top producers not only through quantitative results but qualitative as well.• Maintained current knowledge of Company Underwriting, Compliance and Processing procedures to ensure team accuracy daily.• Monitored submission to approval ratio in order to uphold required 85% pull through, which ensured maximum quality of loans being financed.