Sean Kollenborn Email & Phone Number

Rancho Cordova, California, United States

FHA and Conventional Underwriter

Rancho Cordova, Ca

Review various types of collateral documents such as appraisals or AVM’s. Contact both the sales reps and loan processors and advise on the overall profile of the loan by either phone or email. Assist loan processors in obtaining documentation required as set forth by underwriting conditions set at the initial review of file. Review various types of federal tax returns including personal 1040’s (sole prop income, trust income, retirement based income, Int / Div, rental income, farming income, etc), 1065’s, 1120’s and 1120s.

Rancho Cordova, California

Reviewed high risk, conforming, VA backed loans, high-balance and super conforming loans throughout the United States. Obtained the highest level of underwriting at my site which was based on loan quality, production and customer service excellence and was the highest level in site.Reviewed financial statements, credit reports, and applicable ratios for standard and high risk loans. Evaluated and examine transactions to ensure accuracy, completeness and uphold to company and industry guidelines; prepare formal reports for review.Implemented fraud detection techniques, perform compliance reviews and assist with re-negotiations of loans based on lending guidelines. Contacted customers and partners to gather information to make appropriate decisions and explain rationale behind credit decision. Continually strengthened relationships with sales partners.Provided work direction and/or training to team members and provide performance feedback to supervisors and managers

Rancho Cordova, California, United States

Reviewed residential mortgage loans in accordance with internal and investor guidelines ensuring compliance with company and investor standards. Communicated guidelines to customers, loan processors, and sales associates. Made timely and accurate decisions on all types of conventional loan transactions. Analyzed complex personal and business financial income and asset documentation including tax return and balance sheet analysis. Provided training and mentoring to underwriters, loan processors, and sale associates. Acted as secondary review and escalation point for conventional loans.

Roseville, California

LendingAnalyzed commercial contractor licenses, permits, and financials to qualify for each project. Conducted quality control analysis on files in process. Reviewed commercial blue prints for inadequacies, local code requirements and City/County approval per SBA guidelines. Opened escrow and acquired needed documentation throughout the loan process for commercial loans. Assisted and educated borrowers on the different types / phases of construction for commercial lending. Communicated with general contractors and borrowers to establish billing cycles and guidelines. Disbursed funds on loans to either the appropriate parties as requested. Organized inspections, title searches, local code requirements and validating license(s) and insurance for each loan being processed. Followed loans from prior to construction through completion of the construction phase