Kris Horn Email and Phone Number

• UNDERWROTE JUMBO, NON-AGENCY, DSCR AND BANK STATEMENT LOANS• ASSISTED ALL STAFF WITH JUMBO & NON-AGENCY GUIDELINES FOR 15 CORRESPONDENT INVESTORS• CREATED AND MAINTAINED JUMBO & NON-AGENCY TRAINING LIBRARY• MANAGED EXCEPTION REQUESTS AND DATABASE FOR JUMBO & NON-AGENCY INVESTORS• UPDATED INTERNAL GUIDELINES AND POSTED BULLETINS FOR ALL JUMBO & NON-AGENCY PRODUCTS• COMPLETED COMPLEX INCOME CALCULATIONS WHEN OUT OF SCOPE FOR ALL STAFF• REVIEWED AND APPROVED JUMBO & NON-AGENCY MARKETING FLYERS • WORKED CLOSELY WITH UW MANAGERS AND BRANCH STAFF TO FIND HOMES FOR DIFFICULT LOANS• UPDATED AND MAINTAINED WEB PAGES FOR JUMBO & NON-AGENCY PROGRAMS AND PRODUCTS

• ASSISTED MANAGER WITH LEADING A TEAM OF 4 MENTORS AND 12 JUNIOR UNDERWRITERS. 3OF THE MENTORS WERE JUMBO UW’S AND 1 SENIOR UW WHO MENTORED THE JUNIOR UW’S. • REBUTTING QC FINDINGS FOR THE TEAM• MANAGING PIPELINE TO ENSURE SERVICE LEVEL AGREEMENTS WERE MET - PREPARING REPORTS TWICE A DAY• SECOND SIGN SUSPENSE/DENIALS FOR FINAL LOAN DISPOSITION (ALT PATH FORWARD OR DENY)• REVIEWED DAILY REPORTS TO FIND A PATH FORWARD TO MOVE FILES INTO UW OR ON FOR CLOSING• PREPARED TRAINING DECKS FOR TEAM MEETINGS• MANAGING SPOT CHECKS FOR JUNIOR UW’S TO ENSURE QUALITY OF UW• ASSISTED TEAM WITH SCENARIOS, GUIDELINE INTERPRETATIONS AND ENCOMPASS TROUBLESHOOTING• ASSISTING MANAGER WITH ANY TEAM PROJECTS• KEEPING TEAM MOTIVATED AND ENGAGED IN REMOTE ENVIRONMENTPRIOR TO TEAM LEAD POSITION OF AROUND 1 YR I UW JUMBO AND CONFORMING LOANS.

• Underwrites non-conforming jumbo loans across the contiguous United States and also backs up conforming queue when needed. • Underwrites complex loans to approximately 25+ different investor guidelines with unlimited lending authority. • Extensive experience with Desktop Underwriter and investor guidelines.• Possess extensive training in all aspects of underwriting: self-employed borrowers with multiple businesses, data integrity, reviewing complex assets ensuring borrowers have sufficient reserves, credit review, fraud detection, appraisal review, compliance; and continual education topics to keep up to date on the ever-changing industry.

• Underwrote conventional conforming and non-conforming Fannie Mae, Freddie Mac, ARMs, portfolio / manual UW and HAR loans across the contiguous United States, following state specific laws, with a lending limit of $750K.• Extensive experience with Loan Prospector and Desktop Underwriter.• Became proficient in Laser Pro Mortgage quickly and can set up other loan origination systems.• Possess extensive training in all aspects of underwriting: self-employed borrower, data integrity, assets, credit review, fraud detection, appraisal review, compliance; and continual education topics to keep up to date on the ever-changing industry.

• Determined any risk existing in each potential mortgage loan investment efficiently and accurately by evaluating borrower's income, credit, and collateral; evaluating and justifying appraisal value; reviewing title commitments; and securing lien position.• Reviewed Freddie Mac random QC requests for accuracy and compliance, reducing error rates and ensuring successful audits before submitting files.• Acted as back-up to secondary market manager in preparing commitment letters, adverse action notices, withdrawn and incomplete letters, as well as determining rates, preparing daily rate sheets, and pricing, locking, selling and delivering residential loans through Freddie Mac system.• Demonstrated full knowledge of secondary market pricing and premium pricing.• Prepared checklists, matrices and memos with updates or other training / education items needed by lending staff, remaining current with all secondary market guidelines.• Approved loan extensions and modifications and managed Balloon Reset and Construction Conversion loan pipelines.• Assisted loan officers with borrower qualifying scenarios and supported processors and closers with all aspects of lending.• Acted as back up to VP of Residential Lending.

• Determined risk in each potential mortgage and consumer loan investment efficiently and accurately by evaluating the borrower's income, credit, collateral, evaluating the appraisal and justification of its value, reviewing title commitments and securing lien positions.• Served as sole underwriter for real estate secured loans for the bank, including first mortgages, home equities, HELOCs, and in-park mobiles.• Acted as a back-up to Consumer Underwriting for products such as autos, boats, RVs, classic cars, Visa cards, overdraft protections, unsecured lines of credit, and signature loans.• Processed and underwrote files simultaneously, increasing efficiency by minimizing need for corrections to files.• Managed mortgage pipeline and monthly loan balancing, reconciling closed loan figures with Accounting group.• Implemented and trained staff single-handedly on usage of web-based loan origination system Mortgagebot.• Co-implemented and trained staff on the usage easyLENDER Mortgage origination and processing system while maintaining full load of underwriting responsibilities.• Applied expertise with Freddie Mac guidelines and programs, secondary market, portfolio lending, sub-prime lending, wholesale / broker lending, 80/20s, and construction loans.• Trained others on the importance of compliance, including HMDA, RESPA, Reg. Z and CRA.• Trained loan originators, branch managers, and assistant branch managers on loan products, programs, and procedures.• Prepared procedure manuals from scratch for lending department, ensuring consistency and regulatory compliance of departmental practices and processes.• Named Assistant Vice President (AVP) in October of 2004.• Named Employee of the Quarter by peers in October of 2002.