Kristin Schrader Email & Phone Number

Murfreesboro, TN, US

Denver, Colorado, United States

Memphis Metropolitan Area

• Direct and manage origination workflows to maximize production and performance
• Prioritize a variety of projects based on goals and timelines including managing vendors, developing investor relationships, setting up new products and business rules in the LOS
• Serve as a Subject Matter Expert by maintaining thorough knowledge of mortgage banking guidelines (TRID, TILA, ECOA, RESPA, QM/ATR)
• Expert knowledge of AUS (DU, LP)
• Provide second level reviews and assistance for complex files for all staff: sales, underwriting, processing, closing, and servicing
• Evaluate, mentor, and develop processors and underwriters

Memphis Metropolitan Area

• Make decisions on loan applications by evaluating applicants’ income,credit history, and collateral with credit policy and guidelines
• Calculate rates, debt, residual income, and loan to value ratios
• Communicate with all parties involved in the mortgage originationprocess to gather information, relay information, and solve issues
• Review required collateral documents (appraisals, title work,homeowner’s insurance)
• Perform final reviews of loan applications and clear applications forclosing
• Maintain various Excel reports to track productivity and monitor work inprogress

Memphis Metropolitan Area

• Procedure Development:
• Meet with managers to develop and draft efficient procedures
• Ensure that system, policy, and regulatory changes are successfully incorporated into procedures
• Update procedures to increase accuracy and reduce the number of errors based on reviews of quality control and exam findings
• Communicate updated procedures to consumer lending production teams
• Develop and maintain letters, forms, and job aids for consumer lending production teams

Memphis Metropolitan Area

• Make decisions on loan applications by evaluating applicants’ income, credit history, and collateral with credit policy and guidelines
• Calculate rates, debt, residual income, and loan to value ratios
• Communicate with all parties involved in the mortgage origination process to gather information, relay information, and solve issues
• Review required collateral documents (appraisals, title work, homeowner’s insurance)
• Perform final reviews of loan applications and clear applications for closing
• Maintain various Excel reports to track productivity and monitor work in progress

Memphis Metropolitan Area

• Deliver instruction using a wide variety of teaching strategies
• Manage students in a classroom setting
• Plan and teach curriculum and assess mastery of skills and concepts in Language Arts
• Read and discuss young adult literature with students (both assigned and unassigned)
• Ensure that students have all of the tools necessary to do their required assignments – including clear instructions and an environment that promotes questions and exploration
• Directly responsible for ensuring that students have satisfactory reading and writing skills to carry them into their high school careers

Memphis Metropolitan Area

• Negotiate fees and service agreements with vendors
• Organize meetings, ensuring that all stakeholders are represented
• Record minutes for meetings and coordinate subsequent action items

Memphis Metropolitan Area

• Manage processing managers
• Responsible for aiding processing managers under my supervision in meeting their performance goals
• Ensure that processing managers under my supervision have all of the tools necessary to perform their job duties efficiently - from sufficient resources to professional development
• Request supplies/services via approved purchase orders
• Complete expense reports
• Maintain operations manual

Memphis Metropolitan Area

• Manage processors' production and workflows
• Responsible for aiding processors under my supervision in meeting their performance goals
• Ensure that processors under my supervision have all of the tools necessary to perform their job duties efficiently - from sufficient resources to professional development
• Train processors on updates to guidelines and procedures
• Request supplies/services via approved purchase orders
• Complete expense reports

Nashville Metropolitan Area

• Clear underwriting conditions quickly and efficiently
• Communicate with all parties involved in the mortgage origination process to gather information, relay information, and solve issues
• Maintain reports to monitor loans in process
• Calculate APR/Note Rate, DTI, LTV, and Residual Income
• Review title work, appraisals, flood certifications, flood and homeowner’s insurance, verify income documentation
• Perform final reviews of loan applications and clear applications for closing

Ma, Teaching

Ba, English