Kiersten Berkoben Email & Phone Number

Complete thorough underwriting analysis for multiple clients, continuallytransitioning between various lender guidelines, overlays and procedures.Assigned to scopes requiring detailed analytical skills, including TX 50(a)(6)refinances, FHA purchases and loans requiring complex corporate income analysis.

Lake Mary, Fl

Performed underwriting for multiple clients, ensuring Borrowers’ capacity andcollateral met credit policies and investor / agency guidelines. Chosen for high profile projects, including performing post-purchase Credit RiskAnalyst reviews for FNMA, citing loan defects for repurchases.Selected as FHA SME, tasked with identifying 4000.1 guideline changes.Independently created internal FHA Job Aid, providing ongoing guidance and quick referenceto underwriters after holding… Show more Performed underwriting for multiple clients, ensuring Borrowers’ capacity andcollateral met credit policies and investor / agency guidelines. Chosen for high profile projects, including performing post-purchase Credit RiskAnalyst reviews for FNMA, citing loan defects for repurchases.Selected as FHA SME, tasked with identifying 4000.1 guideline changes.Independently created internal FHA Job Aid, providing ongoing guidance and quick referenceto underwriters after holding training classes, reducing repetitive research, and identifying critical eligibility criteria. Presented updated methodology to multiple clients' QA teams.Performed FHA QC reviews, identifying trends and training opportunities, providedto origination QA teams through comprehensive feedback prior to FHA delivery. Show less

Washington D.C. Metro Area (Remote)

Provided analytical, procurement documentation, and data management support to the MK 41 Vertical Launching System (VLS) Program. Support included researching, drafting, formatting and revising supporting documentation for issuing government Procurement Requests, Technical Instructions, Requests for Proposals, Contract Schedules, Statement of Work, Contract Data Requirements Lists, Specifications, Delivery Schedules, financial data and other contract documents, reports and attachments required… Show more Provided analytical, procurement documentation, and data management support to the MK 41 Vertical Launching System (VLS) Program. Support included researching, drafting, formatting and revising supporting documentation for issuing government Procurement Requests, Technical Instructions, Requests for Proposals, Contract Schedules, Statement of Work, Contract Data Requirements Lists, Specifications, Delivery Schedules, financial data and other contract documents, reports and attachments required to conduct VLS acquisition process. Assisted in tracking contractor cost, technical, and schedule performance using contractor and government databases and prepared contract financial summaries. Show less

Winter Park, Florida

Underwriter for Portfolio Lender. Managed the daily operation of a full service, correspondent and private lender mortgage company. Designed systems to ensure that legal compliance was maintained from loan origination to post-closing. Maintained legally required data to comply with state and federal compliance laws. Documented and tracked all privately funded mortgages including payments, amortization tracking, investor disbursements, escrow account deposits, and tax insurance data.… Show more Underwriter for Portfolio Lender. Managed the daily operation of a full service, correspondent and private lender mortgage company. Designed systems to ensure that legal compliance was maintained from loan origination to post-closing. Maintained legally required data to comply with state and federal compliance laws. Documented and tracked all privately funded mortgages including payments, amortization tracking, investor disbursements, escrow account deposits, and tax insurance data. Maintained all lender affiliation and membership records with national lenders.• Created and implemented company policies and procedures• Acted as liaison between owners and support staff to communicate business goals, quality standards, processes, procedures, and policies• Served as primary technical resource for all internal and external loan originators regarding all private mortgage guidelines, contract requirements and legal compliance Show less

Orlando, Florida Area

Managed all store operations and supervised a staff of fifty, including three assistant managers.District StaffWorks Trainer, ensuring all Central FL store management utilized scheduling software to maximize sales and minimize payroll.