1. KathrynH.Guitar
4604 S 23rd Ln., Phoenix, AZ 85041; guitarpugs@yahoo.com; 614-589-9624
Accomplishments
 Over twenty years of mortgage experience with Conventional, FHA and VA mortgage products
 Manual underwriting and use of DU and LP for over fifteen years.
 Obtained DE in December 1998 and began VA credit underwriting in 1999.
 Six years of training experience for a major financial institution.
 Developed, researched, and delivered the current DE (FHA) Training Curriculum for JPMorgan
Chase
 Extensive experience analyzing self employed borrowers utilizing FNMA 1084. Also proficient in
training the process to other underwriters.
 Over 8 years of extensive mortgage underwriting experience of complex transactions for all
states, including the 5 boroughs of New York to include Cooperatives. Lending authority of
$1.5MM.
 Over 6 years exclusive experience processing and closing VA loans for major VA lender.
Professional Experience
JPMorgan Chase 2001-present
MB Sr. Underwriter – Tempe, AZ ▪ January, 2013 – Present
 Proficient with FHA lending, Conventional lending (conforming and non-conforming loans)
 Demonstrable knowledge of complex personal and business financial analysis and expertise in
tax return and balance sheet analysis
 Extensive experience reviewing the collateral portion of the mortgage loan as well as the credit
package.
 Ability to analyze complicated exceptions and determines/recommends alternative mortgage
products better suited to mortgage applicant
 Strong time management skills to ensure timely decisions as well as file accuracy.
 In depth knowledge of Automated Underwriting Systems (AUS) to support the loan decision.
Credit Risk Trainer –Crown Point, IN ▪ May, 2008 – January, 2013
 Develop and train all topics in mortgage lending in virtual and live training classes throughout the
U.S.
 Subjects include monthly updates, procedural/policy changes, new hire curriculum, FHA training
for new DE’s and experienced DE’s, VA training of experienced VA underwriters.
 Maintain training records, release training announcements, arrange personal travel, file business
expenses, and ordering/shipping supplies and training materials.
 Primarily responsible to maintain communications with managers and provide all needed training
for the prime first mortgage underwriting departments. This includes proposing new topics and
ideas to designated sites. Occasionally provided additional technical training to processing staff
or loan officers.
 Remain current on all lending topics and lending guidelines.
 Perform all duties with minimal supervision.

2. Mortgage Operations Trainer – JPMorgan Chase, Columbus, OH ▪ September, 2006 – May,
2008
 Train mortgage processors in virtual and live training classes throughout the U.S.
 Subjects include New Hire curriculum, procedural/policy updates, FHA processing.
 Remain current on all lending topics and lending guidelines.
 Perform all duties with minimal supervision.
Senior Underwriter – JPMorgan Chase, Columbus, OH ▪ March 2001 – September 2006
 Proficient with FHA/VA lending, Conventional lending (conforming and jumbo loans)
 Demonstrable knowledge of complex personal and business financial analysis and expertise in
tax return and balance sheet analysis
 Extensive experience reviewing the collateral portion of the mortgage loan as well as the credit
package.
 Ability to analyze complicated exceptions and determines/recommends alternative mortgage
products better suited to mortgage applicant
 Strong time management skills to ensure timely decisions as well as file accuracy.
 In depth knowledge of Automated Underwriting Systems (AUS) to support the loan decision.
 Thorough knowledge of retail banking and consumer direct lending. Some correspondent
background.
National City Bank DE Processor/Closer – Columbus, OH ▪ March 2000- March 2001
 Process, underwrite (with AUS) and close loans first and second mortgages.
 Pipeline included Conventional, FHA, VA and OFAH (Ohio bond) loans
Old Kent Mortgage, DE Underwriter – Columbus, OH ▪ October 1998 – March 2000
 Wholesale underwriter of Conventional, FHA/VA, and Jumbo first mortgages.
Navy Federal Credit Union, Processor – Silverdale, WA ▪ April 1992 – September 1998
 Originated, processed, closed mortgage loans for the largest federal credit union for over six
years.
 Majority of the loans were VA with some conventional loans. No FHA loans were originated at
that time.
 Company policy was to follow the loan from beginning to the end, so responsible to know all
aspects of the lending business. Responsible to guide the member to the best lending option
with efficiency.
General Qualifications
 Proficient with: Microsoft Word, PowerPoint, iLinc virtual training software, Excel
 Exceptional interpersonal, verbal and written communication skills
 Strong analytical, underwriting, writing, organizational, communication and presentation skills
Education
Miami University, Oxford, OH ▪ 1983
Bachelor of Science in Home Economics and Consumer Sciences – Major: Food Management,