KYLER FERRELL
Chicago
Summary
Highly motivated individual committed to ongoing skill development and professional advancement. Displays a proven aptitude for problem-solving and consistently meeting deadlines, even in demanding and intricate scenarios.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Post-Purchase Analyst
Guaranteed Rate
01.2024 - Current
- Analyzing mortgage documentation post-closing to ensure compliance with investor guidelines.
- Resolving issues related to income calculation, document retrieval/execution, and asset legitimacy.
- Collaborating with investors to pinpoint and resolve loan deficiencies highlighted in post-closing audit reports.
- Maintained compliance with investor guidelines to validate defects identified in post-closing audit reports.
- Sustain a substantial pipeline of loans, addressing deficiencies to avert repurchase demands from new servicers.
- Maintained knowledge of and utilized new investor portal software to address and upload necessary documentation for curing loan defects.
Associate Underwriter
Guaranteed Rate
01.2022 - 01.2024
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Staying up to date with all underwriting procedures such as income calculation, ordering appraisal, reviewing Factual Data Credit Reports, and being aware of potential red flags that might compromise loan approval.
- Reduced processing time for applications, ensuring timely decision-making while maintaining quality standards in risk assessment procedures.
- Maintaining a daily pipeline of10-15 loans with clear to close decision within 1-30 days
Underwriting Assistant
Guaranteed Rate
11.2020 - 01.2022
- Reviewed policy documents for completeness and accuracy before final submission, minimizing the need for revisions or cancellations due to errors.
- Maintained high levels of accuracy in data entry, reducing errors in policy issuance and minimizing potential losses.
- Assisted with underwriting operations necessary to issue final Clear to Close on mortgage loans
- Checked final loan approval sheet for precision and compliance, supporting the underwriter's decision-making process.
- Verified loan documentation accuracy by comparing with encompass software data, aiding underwriters.
Post-Closing Team Lead
Guaranteed Rate
10.2020 - 12.2020
- Enhanced team efficiency with organized task assignments and support.
- Facilitated onboarding processes for new team members, ensuring efficient office setup and shipping procedures.
- Served as the primary liaison for inquiries related to Encompass operations, printer setup, and file location.
- Coordinated team communication using Outlook, Teams, and verbal interactions.
- Supervised team operations, staying current with collateral production and shipping standards.
Post Closing Specialist
Guaranteed Rate
01.2020 - 07.2020
- Contributed to the development of new shipment scanning strategies and procedures aimed at improving overall post-closing shipment operations within the company.
- Managed a high volume of loan files, maintaining loan closing package organization and accuracy throughout the post-closing process.
- Executed collateral team procedures to consistently meet daily production standards.
- Filed and retrieved physical loan documents from archived backlog.
Assistant General Manager
Club Fitness - LA Fitness
01.2015 - 01.2018
- Led a team that conducted sales and marketing activities to generate new business and meet monthly production
- Provided coaching and mentorships strategies for sales counselors
- Conducted weekly audits for inventory reports
- Developed and maintained guest relationships to ensure customer satisfaction and retention
- Gave facility tours to potential members
- St
- Louis, MO - Chicago, IL (Relocated)
Debt Collector
Malcolm S. Gerald & Associates
01.2008 - 01.2010
- Conducted phone conversations with clients in need of financial recovery services due to medical bills
- Contacted attorneys, police departments, and insurance agencies to check payout the status of litigated injury claims
- Organized and filed hard copies of medical billing invoices
- Maintained company call volume and time requirements
Education
Bachelor's - Mass Communications and Media Arts
Southern Illinois University
01.2014
Skills
- Excellent customer service
- Underwriting Guidelines Understanding
- Risk assessment
- Data analysis
- Underwriting standards
- Sales management
- Familiar with various software such as Encompass, Microsoft Office, Outlook, DocuSign, Excel, Minimal Python/SQL
Accomplishments
Recipient of Guaranteed Rate's 2020 "Caught Being GRate" Award for shipping 1,270 collateral Files in 1 month.
Certification
- Advanced Health and Fitness Specialist Certification - American College of Sports Medicine (ACSM) [2019]
- First Aid, CPR, AED Instructor's Certificate – American Red Cross.
Languages
Spanish
Elementary
Timeline
Post-Purchase Analyst
Guaranteed Rate
01.2024 - Current
Associate Underwriter
Guaranteed Rate
01.2022 - 01.2024
Underwriting Assistant
Guaranteed Rate
11.2020 - 01.2022
Post-Closing Team Lead
Guaranteed Rate
10.2020 - 12.2020
Post Closing Specialist
Guaranteed Rate
01.2020 - 07.2020
Assistant General Manager
Club Fitness - LA Fitness
01.2015 - 01.2018
Debt Collector
Malcolm S. Gerald & Associates
01.2008 - 01.2010
- Advanced Health and Fitness Specialist Certification - American College of Sports Medicine (ACSM) [2019]
- First Aid, CPR, AED Instructor's Certificate – American Red Cross.
Bachelor's - Mass Communications and Media Arts
Southern Illinois University
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