1. Kelsey Niebauer
573 Brandywine Drive
Cranberry Twp., PA 16066
724-713-7570
niebauer.kelseyj@gmail.com
Education
Duquesne University School of Law
Pittsburgh, PA
[J.D. December 2013]
Slippery Rock University of PA
Slippery Rock, PA
[Bachelor of Science in Business Administration & Management, 2009]
Dean’s List
GPA: 3.3
Work Experience
Senior Underwriter (Level II)
Ethos Lending LLC
503 Martindale Street, 5th Floor October 2015 to December 2016
Pittsburgh PA 15212
415-780-7400
• Duties:
o Underwrite an average of 4 new files each day (Purchases & Refinances)
o Review and clear conditions as submitted
o Maintain a pipeline of at least 45 loans with a velocity average of 18 days
▪ Continuously a top producer on the East Coast
o Calculation of income for wage earners, retired individuals and self employed borrowers
▪ Rental income, Schedule E (including 1120, 1120S, 1065) and Schedule C
▪ Completion of liquidity calculation if needed
o Knowledge of investor underwriting guidelines
o Signing authority up to $625,500
o Experience with Encompass, DU and LP
o Successful completion of jumbo loan training
o Review of appraisals
o Review of title reports, purchase agreements, credit reports, assets, tax transcripts & income
o Continuous contact with inside sales staff, as well as broker partners in order to ensure files move
through the pipeline as quickly as possible
▪ This includes outbound phone calls after a file is suspended, after the first round of con-
ditions is reviewed, and any time a file is reconditioned
▪ Response to all broker questions using the internal ASKe system

2. Underwriter- Mortgage & Consumer Lending Dept.
Mars National Bank
20246 Route 19 May 2015 to October 2015
Cranberry Twp, PA 16066
724-776-3803
• Duties:
o Underwrite new purchase, refinance and pre-approval files
o Review and clear loan conditions
o Calculation of income, review of credit, knowledge of lender guidelines and loan policies
o Underwriting of pre-approval files
Loan Processor I- Mortgage & Consumer Lending Dept.
Mars National Bank
20246 Route 19 June 2013 to May 2015
Cranberry Twp, PA 16066
724-776-3803
• Duties:
o Process loan applications for mortgages and other consumer loans
o Review sales agreements and other contracts for compliance
o Generate and distribute all required up-front disclosures to the customer
o Communicate with appraisers, title companies, Attorneys, real estate agents, insurance agents, orig-
inators and underwriters throughout entire loan process
o Prepare closing documents and fund loans
o Perform pre and post closing audits on all files
o Update loan rates daily
o Clear underwriting conditions and prepare files for closing
o Responsible for staying up to date on all banking and lending regulations
o Perform a manual “pre-underwrite” of all loan files. For example: Analyzing credit and calculating
debt to income ratios
o Part of a team that drafted and presented a correspondent lending agreement, subsequently adopted
by the Bank
Law Clerk/Legal Assistant
Phelan Hallinan, LLP
555 Grant Street, Suite #360 October 2010 to May 2013
Pittsburgh, PA 15219
412-745-0600
• Bankruptcy and foreclosure litigation firm
• Duties:
o Drafting and editing of legal documents
o Updating and maintaining law firm and client databases as new documents are generated for each
case
o Filing documents with the courts (E-filing and paper filing)
o Research and special projects
o Attending and assisting in various conciliation conferences and hearings

3. Research Assistant/Intern
U.S. Bankruptcy Court for the Western District of PA
5414 U.S. Steel Tower
600 Grant Street May 2011 to August 2011
Pittsburgh, PA 15219
412-644-2700
• Participated in a research project for Judge Jeffery A. Deller entailing the research and compiling of data on
all Bankruptcy filings dating back to the Bankruptcy Reform Act of 1978.
• Attended Bankruptcy hearings and participated in a discussion of each day’s hearings.
Bank Teller
Allegheny Valley Bank
428 Forbes Avenue, Lower Level January 2011 to May 2011
Pittsburgh, PA 15219
412-338-9036
• Cash handling & customer service
Front End Coordinator April 2004 to August 2010
Giant Eagle
Cranberry Twp., PA
724-772-1030
• Began as cashier in high school, 2004, and was promoted to Coordinator in 2008
• Worked part time through college and 1st year of law school
• Duties:
▪ Supervising of all front end associates
▪ Customer service
References
Jenine Davey, Esquire Managing Partner, Phelan Hallinan LLP 412-745-0600
Michele Convery Legal Secretary, Phelan Hallinan LLP 412-745-0600
Melissa Podgorski Underwriter & co-worker at Ethos Lending 412-445-6766