Kathy Makinen has over 20 years of experience in mortgage processing, underwriting, originating, and compliance. She is currently a Consumer Loan Underwriter at Wells Fargo where she performs audits to ensure compliance with regulations. Makinen has held various roles in the mortgage industry including as a Mortgage Processor, Underwriter Manager, Loan Originator, and Realtor.

1. KATHY MAKINEN
(919) 710-2897 │ kemakinen@sbcglobal.net | https://www.linkedin.com/in/kathymakinen
PROCESSING, ORIGINATING, UNDERWRITING & COMPLIANCE PROFESSIONAL
Processing |Loan Officer Support & Origination |Auditing | Risk Analysis
Top-performing Mortgage Processing, Originating, Underwriting and Compliance Professional with extensive experience
conducting financial analysis and other supportive operations within the real estate industry. Highly adept in credit,
lending, and federal regulations. Extensive sales and customer service experience with complimentary aptitude in
breaking down complex terminology and documentation for clientele. Skilled in collaborating with all members of the
organization to achieve business and financial objectives. Possesses exemplary communication skills and excels in
demanding, fast-paced environments.
 Underwriting & Lending
 Credit & Income Analysis
 Strategic Planning & Analysis
 Risk Assessment
 Mortgage Processing
 Real Estate Sales
 Loan Origination & Support
 Managerial Skills
 Contracts & Negotiations
 Attention to Detail
 Customer Service
 Problem Resolution
P R O F E S S I O N A L E X P E R I E N C E
Wells Fargo Home Mortgage Raleigh, NC May 2012-Present
Consumer Loan Underwriter II – Default Servicing
Performed compliance audits and investigative research of mortgages active in loss mitigation. Performed
National Servicing Standards (NSS) Metric 20 & Metric 2 compliance audits in all portfolios to ensure that
proper procedures were followed, to prevent clients from being wrongfully removed from home preservation
consideration, and to mitigate operational risk.
File Review Team:
* Meticulously analyzed documents to calculate income and determine modification options.
* Extremely well versed in all facets of the HAMP/Proprietary Modification requirements.
Cancellation Review Team:
* Audited loans in loss mitigation (all portfolios) for quality assurance and compliance.
* Recognized as a Top Producer, Team Captain, and Subject Matter Expert.
* Consistently coached and trained peers on policies and procedures.
* Fostered and cultivated a collaborative workplace to create new and improve existing departmental procedures,
job aids, and training guides.
OCC Promontory Audit Team:
* Awarded OCC Promontory Audit Team Quality Award in 2012.
* Performed compliance audits and conducted investigative research to determine whether or not customers
suffered financial harm under the OCC Article VII Consent Order.
AES Lending / Schmidt Mortgage Raleigh, NC Oct 2010-May 2012
Mortgage Processor
Extremely knowledgeable in analyzing, calculating income, structuring loans based on investor
guidelines.
* Successfully processed/closed between 25-35 Conforming, FHA, VA, USDA loans monthly.
* Performed income calculations, structured loans, and ran AUS systems (DU/LP) for approvals.
* Ordered and reviewed title work, ordered closing packages, reviewed HUD settlement statements.
* Assessed loan origination documentation to ensure that RESPA guidelines were met.
VanDyk Mortgage Corporation Grand Rapids, MI May 2007-Oct 2010
Junior Underwriting Manager / Loan Originator Support
Acted as liaison to loan originators regarding loan scenarios and structuring, and managed 7 Jr Underwriters.
* Provided training on policies and procedures, and assisted loan originators in all aspects of the transaction.
* Assisted Senior Underwriters by clearing conditions and preparing files for clear to close.

2. KATHY MAKINEN Resume, Page 2
RE/MAX of Grand Rapids Grand Rapids, MI Sept 2005-Jan 2007
Executive Assistant / Closing Coordinator
Assisted top producing Realtor in all aspects of listing, buying, selling, and closing between 20-30 real estate
transactions per month.
* Effectively wrote and negotiated proposals, and processed complex paper work.
* Effectively communicated with customers and vendors throughout the transaction.
* Coordinated and attended closings, reviewed HUD settlement statements and closing documents.
* Provided exceptional customer service in an extremely high-stress, fast-paced environment.
Priority Mortgage Corp / Polaris Home Funding Grandville, MI Jan 2004-Sept 2005
Loan Originator Support / Mortgage Processor / Executive Assistant
Mortgage Processor (Priority Mortgage):
* Successfully processed and closed 20-30 (all investor types) mortgages per month.
* Acquired skills in utilizing multiple AUS systems and submitting files to lenders/brokers.
* Prepared closing packages and reviewed HUD settlement statements.
Loan Originator Support / Executive Assistant (Polaris Home Funding):
* Assisted CEO by running errands, and performing other secretarial duties.
* Originated and processed mortgage 5-7 loans per month for internal employees and company referrals.
* Successfully managed a new Real Estate company.
* Acted as liaison to loan officers regarding loan scenarios and loan structuring.
* Provided real estate and mortgage software training for employees.
Flagstar Bank Grand Rapids, MI March 2003 -Jan 2004
Mortgage Originator
* Successfully originated/closed over $1K monthly in mortgage loans.
* Educated customers to allow them to make appropriate decisions regarding financial goals.
Wells Fargo Home Mortgage Grand Rapids, MI April 1997 to March 2003
Executive Assistant / Mortgage Originator / Loan Originator Support / Processor
Acted as managerial liaison by performing secretarial duties, scheduling appointments, originating and
processing mortgage files, assisting loan originators with loan structuring and customer follow-up, preparing
and handling managerial reports, scheduling and organizing monthly employee meetings, developing
marketing strategies and materials to assist loan originators with customer leads, follow-up, and retention,
effectively communicating with customers, vendors, and employees
* Originated and processed 20-40 mortgage files monthly.
* Developed highly effective marketing strategies/materials to assist loan officers with customer retention.
* Acted as liaison to loan officers regarding loan scenarios and loan structuring.
RE/MAX of Grand Rapids Grand Rapids, MI Jan 1990-March 1997
Realtor
Launched successful real estate career through mastery of communication and negotiating.
* Established, cultivated and maintained strong client /customer base.
* Created effective marketing materials, implemented marketing strategies.
* Achieved 100% Club Award (1992-1996), closing between 100-200 transactions annually.
ED U C A T I O N & TE C H N I C A L S K I L L S
Bachelor of Arts, Elementary Education, Central Michigan University - Mt Pleasant, MI
MSP/CPI | ERLMF | Web Direct | Microsoft Word | PowerPoint | Publisher | Excel | Outlook | Calyx | Encompass