Kyle Hauser Email & Phone Number

• Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data• Streamlined underwriting processes for increased efficiency and faster turnaround times• Mentored junior underwriters, fostering their professional growth and enhancing team performance• Conducted regular audits of underwriting files, ensuring compliance with regulatory requirements and internal policies• Guided, mentored, and coached underwriters in both technical and professional skills, instilling best practice and company standards• Documented underwriting decisions and provided evidence of compliance with applicable regulations

• Serve as a subject matter expert in a wide variety of areas to ensure optimal results• Lead meetings and present data/ideas to senior leaders• Serve as a liaison for several lines of business• Lead special projects and trainings for specific groups• Improved customer satisfaction by quickly and effectively addressing inquiries and complaints• Trained and supported new team members, maintaining culture of collaboration

• Understanding of numerous guidelines for multiple products to ensure quality loans are sold to specific investors• Examined credit reports, financial statements and tax returns to determine repayment capability• Built strong relationships with lenders, brokers, and clients for constructive communications• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process• Assess layered risk ensuring loans are properly decisioned and all possible approval exceptions are reviewed• Documented underwriting decisions and provided evidence of compliance with applicable regulations• Made approval and denial recommendations by determining accurate risk levels

• Analyze asset, credit, and income documentation ensuring customers qualify per product and company guidelines• Analyze purchase and refinance loans• Communicate directly with processors, sales reps, and customers to ensure accuracy and a smooth transaction• Understanding of different guidelines for different products to ensure quality loans are sold to specific investors• Assess layered risk ensuring loans are properly decisioned and all possible approval exceptions are reviewed

• Analyze credit and income documentation ensuring homeowners qualify per product and company guidelines• Set conditions based off the different variables of each loan worked• Complete final review of conditions on loans prior to sending to closing to determine all parameters have been met• Work directly with customers to clear address discrepancies, fraud alerts, and discuss specific loan details, if applicable• Review of conventional appraisals to determine if value and type of collateral are eligible and sufficient for the terms requested on each loan