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B E C K Y B. K R A T Z E R
7408 Executive Woods Court
Port Richey, Florida 34668
Phone: 703-927-2955 Email: b.kratzer@aol.com
MO R T G A G E UN D E R W R I T E R
Dedicated and motivated professional with a strong background in Mortgage Underwriting, Credit Analysis, and Loan
Processing. Performed long-term direct assignments with high-end loan officers. Successful experience in streamlining
internal processes and removing risk with a wide range of clients and key business partners. Consistently recognized for
abilities to analyze risk, appraisals and regulatory compliance in every transaction. Solid reputation for resolving complex
loans. Commended for organization, perseverance, efficiency, and time management skills. Experienced and well-
disciplined in working in remote environments while performing all responsibilities.
AREAS OF EXPERTISE
➢ Direct Endorsement Underwriting
➢ Jumbo and Conforming Loan Underwriting
➢ Regulatory Knowledge and Compliance
➢ Property Appraisal Review & Analysis
➢ Collateral & UCDP Review
➢ Corporate Tax Returns Analysis
➢ Manual Mortgage Underwriting
➢ LP & DU Systems – Encompass
➢ Loan Quality Assurance
➢ Loan Risk Analysis
➢ Partner Returns Analysis
➢ Underwriter Management
➢ Loan Risk Analysis
➢ Process Quality Assurance
➢ Process Improvements
RECENT EXPERIENCE
ATLANTIC COAST MORTGAGE – Fairfax, VA March (2018 – June 2019) Resigned Due to Out-of-State Relocation
SENIOR MORTGAGE UNDERWRITER
➢ Underwriting and Reviewing loans to ensure they meet FNMA, FHLMC, FHA and company guidelines
➢ Underwriting Jumbo loans delegated with Investors
➢ Underwriting and review of Property Appraisals, Collateral Review and UCDP reports
➢ Review and warranting Condo’s and PUDs per guidelines
➢ Proficient in Encompass paperless system
GEORGE MASON MORTGAGE CORPORATION – Fairfax, VA (2012 to 2018)
SENIOR MORTGAGE UNDERWRITER
➢ Underwriting and reviewing loans to ensure compliance with FNMA, FHLMC, FHA, & MI company guidelines
➢ Responsible for underwriting Jumbo Non-Conforming & manually underwritten loans to investors
➢ Obtaining exceptions from investors when guidelines are not met
➢ Corresponding decisions to processors, loan officers, and account representatives ➢ DE Underwriter
➢ Proficient in Encompass paperless system
➢ Delegated Mortgage Insurance Underwriter with most major companies
NPL (Northern Pipeline Energy) – Manassas, VA (2011-2012)
Assistant Office Manager
➢ Processed workforce payroll
➢ Conducted all branch/market Accounts Payable and Accounts Receivable
➢ Liaisoned with company clients, suppliers, and partners
➢ Maintained communication with field supervision for coordination
➢ Authored and submitted weekly financial reporting
2
B E C K Y B. K R A T Z E R
REMAX ALLEGIANCE RELOCATION SERVICES – Woodbridge, VA (2008-2011)
RELOCATION MANAGER
➢ Assist government and corporate employees with an array of relocation services
➢ Oversee the marketing and sale of homes through a variety of different channels
➢ Coordinate contract negotiations and liaise between buyers and sellers
➢ Administer “Guaranteed Buyouts” including appraisals, inspections, and title work
➢ Communicate effectively with a wide range of real estate agent and professionals
➢ Counsel customers on appraisal reviews, titles, acquisitions, and equity disbursements
BANK UNITED – Fairfax, VA (2005-2007)
SENIOR UNDERWRITER – Team Lead
➢ Managed financial mortgage underwriting and processing for the Fairfax branch
➢ Cultivated strong business relations with brokers, loan officers, and real estate agents
➢ Trained, mentored, and supervised a team of productive underwriters and processors
➢ Implemented loan processes and ensured compliance with company and industry standards
ADDITIONAL EXPERIENCE
OPTION ONE MORTGAGE Senior Underwriter 2004-2005
HSBC MORTGAGE CORP. Senior Underwriter/Team Lead 1997-2004
BANK OF AMERICA Senior Underwriter 1993-1997
SOURCE ONE MORTGAGE Senior Underwriter 1992-1993
UNITED GUARANTY INSURANCE Underwriter III 1990-1992
MORTGAGE FUNDING CORP. Senior Underwriter 1987-1990
EDUCATION
PARK VIEW HIGH SCHOOL – STERLING, VIRGINIA (1976-1980) - COMPLETED ALL STUDIES
REFERENCES
1. Phil Nguyen - Assistant Vice President – Atlantic Coast Mortgage (571) 383-7755
2. TimBonnette–VicePresidentGovernmentServices–RemaxAllegianceEmail:tim.bonette@allegiancerelo.com
3. Christa Walker Jensen - V.P. - Director of Underwriting - Homeside Financial Mortgage (703) 731-2226
4. Kellie Steger - Senior Account Manager – Radian Mortgage Insurance (804) 263-1701
Additional references available upon request…

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Becky Kratzer Resume Mortgage Underwriter

  • 1. 1 B E C K Y B. K R A T Z E R 7408 Executive Woods Court Port Richey, Florida 34668 Phone: 703-927-2955 Email: b.kratzer@aol.com MO R T G A G E UN D E R W R I T E R Dedicated and motivated professional with a strong background in Mortgage Underwriting, Credit Analysis, and Loan Processing. Performed long-term direct assignments with high-end loan officers. Successful experience in streamlining internal processes and removing risk with a wide range of clients and key business partners. Consistently recognized for abilities to analyze risk, appraisals and regulatory compliance in every transaction. Solid reputation for resolving complex loans. Commended for organization, perseverance, efficiency, and time management skills. Experienced and well- disciplined in working in remote environments while performing all responsibilities. AREAS OF EXPERTISE ➢ Direct Endorsement Underwriting ➢ Jumbo and Conforming Loan Underwriting ➢ Regulatory Knowledge and Compliance ➢ Property Appraisal Review & Analysis ➢ Collateral & UCDP Review ➢ Corporate Tax Returns Analysis ➢ Manual Mortgage Underwriting ➢ LP & DU Systems – Encompass ➢ Loan Quality Assurance ➢ Loan Risk Analysis ➢ Partner Returns Analysis ➢ Underwriter Management ➢ Loan Risk Analysis ➢ Process Quality Assurance ➢ Process Improvements RECENT EXPERIENCE ATLANTIC COAST MORTGAGE – Fairfax, VA March (2018 – June 2019) Resigned Due to Out-of-State Relocation SENIOR MORTGAGE UNDERWRITER ➢ Underwriting and Reviewing loans to ensure they meet FNMA, FHLMC, FHA and company guidelines ➢ Underwriting Jumbo loans delegated with Investors ➢ Underwriting and review of Property Appraisals, Collateral Review and UCDP reports ➢ Review and warranting Condo’s and PUDs per guidelines ➢ Proficient in Encompass paperless system GEORGE MASON MORTGAGE CORPORATION – Fairfax, VA (2012 to 2018) SENIOR MORTGAGE UNDERWRITER ➢ Underwriting and reviewing loans to ensure compliance with FNMA, FHLMC, FHA, & MI company guidelines ➢ Responsible for underwriting Jumbo Non-Conforming & manually underwritten loans to investors ➢ Obtaining exceptions from investors when guidelines are not met ➢ Corresponding decisions to processors, loan officers, and account representatives ➢ DE Underwriter ➢ Proficient in Encompass paperless system ➢ Delegated Mortgage Insurance Underwriter with most major companies NPL (Northern Pipeline Energy) – Manassas, VA (2011-2012) Assistant Office Manager ➢ Processed workforce payroll ➢ Conducted all branch/market Accounts Payable and Accounts Receivable ➢ Liaisoned with company clients, suppliers, and partners ➢ Maintained communication with field supervision for coordination ➢ Authored and submitted weekly financial reporting
  • 2. 2 B E C K Y B. K R A T Z E R REMAX ALLEGIANCE RELOCATION SERVICES – Woodbridge, VA (2008-2011) RELOCATION MANAGER ➢ Assist government and corporate employees with an array of relocation services ➢ Oversee the marketing and sale of homes through a variety of different channels ➢ Coordinate contract negotiations and liaise between buyers and sellers ➢ Administer “Guaranteed Buyouts” including appraisals, inspections, and title work ➢ Communicate effectively with a wide range of real estate agent and professionals ➢ Counsel customers on appraisal reviews, titles, acquisitions, and equity disbursements BANK UNITED – Fairfax, VA (2005-2007) SENIOR UNDERWRITER – Team Lead ➢ Managed financial mortgage underwriting and processing for the Fairfax branch ➢ Cultivated strong business relations with brokers, loan officers, and real estate agents ➢ Trained, mentored, and supervised a team of productive underwriters and processors ➢ Implemented loan processes and ensured compliance with company and industry standards ADDITIONAL EXPERIENCE OPTION ONE MORTGAGE Senior Underwriter 2004-2005 HSBC MORTGAGE CORP. Senior Underwriter/Team Lead 1997-2004 BANK OF AMERICA Senior Underwriter 1993-1997 SOURCE ONE MORTGAGE Senior Underwriter 1992-1993 UNITED GUARANTY INSURANCE Underwriter III 1990-1992 MORTGAGE FUNDING CORP. Senior Underwriter 1987-1990 EDUCATION PARK VIEW HIGH SCHOOL – STERLING, VIRGINIA (1976-1980) - COMPLETED ALL STUDIES REFERENCES 1. Phil Nguyen - Assistant Vice President – Atlantic Coast Mortgage (571) 383-7755 2. TimBonnette–VicePresidentGovernmentServices–RemaxAllegianceEmail:tim.bonette@allegiancerelo.com 3. Christa Walker Jensen - V.P. - Director of Underwriting - Homeside Financial Mortgage (703) 731-2226 4. Kellie Steger - Senior Account Manager – Radian Mortgage Insurance (804) 263-1701 Additional references available upon request…