The document is a resume for Christine M. Schiller that summarizes her experience and skills. She has over 20 years of experience in the mortgage industry, including as a regional QC mortgage auditor, an underwriter, and a loan processor and trainer. Her resume lists her work history at various mortgage insurance and lending companies, and details her responsibilities and accomplishments in roles performing loan underwriting, quality control auditing, and fraud detection.

1. Christine M. Schiller
P.O. Box 72969 Roselle, IL 60172
Email: jackalope2075@att.net
Summary and Skills Profile
• Regional QC Mortgage Auditor
• CNV Underwriter with signing authority to $650,000
• Sr. Loan Processor/Trainer 1990 – 1998 including FHA/VA
• Illinois Residential Property Realtor 1983 - 1993
• Computer Literate: Excel, PowerPoint, Word, Access, Lotus, Outlook, Adobe, Windows XP, Windows 7
Work Experience
MARCH 2009 - October 2012: QC Risk Analyst Contemporary Staffing Inc. Schaumburg, IL
• Working for outsource vendor to complete qualitative reviews of defaulted 2nd mortgage
loans/HELOCS. Client is national mortgage insurance company. Specializes in conventional residential
loan mortgages, all parameters: purchases, refinances, small investment properties, self-employed,
jumbo, adjustable rates, interest-only options, new construction, full and low doc loan programs.
• Analyses of all documents within a loan file. Fraud detection. Applies FNMA/FHLMC and investor specific
guidelines. Recalculates debt-to-income ratios and assets required to close loan. Due diligence. Reviews
appraisals, 1003 applications, title policies, HUD-I statements, notes, deeds, credit reports, tax returns,
purchase contracts.
• Completes and reconciles all results in EXCEL report formatting.
• Quasi-paperless environment: Works on hard-copy collateral files with digital credit e-files. Windows XP
System with Outlook email. Clear desk and computer lock policies adhered to.
2007.2008 Residential Mortgage Contract Underwriter
MARCH 2008: Selected as on-site contract underwriter by Republic Mortgage Insurance for client company,
Everbank. Conventional underwriting performed via in-house LOS windows system and DU, LP for loan
approvals. Hard paper files.
FEBRUARY 2008: Selected as on-site contract underwriter by Genworth Financial Mortgage Insurance for
client company, 1st Advantage Mortgage. Conventional underwriting performed with use of DO/DU and
DataTrac software for the client’s wholesale division. Used dual screen computer system. All files were digital.
Paperless office environment.
OCTOBER 2007: Selected as on-site contract underwriter by AIG-United Guaranty Mortgage Insurance for
client company, National City Mortgage. Conventional underwriting performed with use of DO, DU and LP
automated software systems for the client’s wholesale division. DOS green screen system with hard paper
files.
MAY – JULY 2007: Selected as on-site contract underwriter by Republic Mortgage Insurance for client
company, JP Morgan Chase. Conventional underwriting performed with use of E-Magic-Trio and Zippy
automated software systems for client’s prime wholesale division. Used dual screen computer system. All files
were digital in paperless environment.
• Underwrote borrower credit, collateral, and capability for FNMA/FHLMC conventional loans with following
parameters: residential, purchases, refinances, construction, investment properties, self-employed
borrowers, adjustable rate mortgages, fixed rate mortgages, interest-only mortgages, low and full
documentation, Alt A products, A Minus, 2nd mortgages, HELOC and investor portfolio loans.

2. Resume Continued (Page 2) Christine M. Schiller
• Reviewed loan applications for compliance and mortgage insurance guidelines. Accurate loan data entry
for tracking and billing purposes.
• Analyzed and safeguarded confidential client documents: credit reports, appraisals, tax returns, asset
documents. Clear-desk and computer lock policies strictly adhered to.
• Navigated client intranet and internet sites to validate accuracy of conditions and procedures. EXCEL,
Lotus, Outlook Mail, MS Word.
United Guaranty/AIG Mortgage Insurance Company
Nov. 1998 – Dec. 2006 Quality Control Auditor/Regional Underwriting Auditor
• Developed and implemented new proprietary underwriting audit process for the Central Region (7 states).
The process provided cost control tool for the regional profit center. Assisted/reported to the Contract
Services Manager and V.P. of Field Operations.
• Communicated trend analysis and risk management recommendations of loan findings. Organized
EXCEL data into graph format for PowerPoint presentations.
• Designed, compiled, proofread, and summarized detailed monthly audit reports, data
templates and EXCEL workbooks. Met deadlines.
• Supervised and coordinated training of all regional off-site and in-house underwriting auditors. Facilitated
off-site software upgrade training event.
• Instrumental in detecting fraud in over 500+ loans. Collaborated with Special Investigations Unit. Special
audits resulted in the monitoring and/or termination of business ties with fraudulent parties. Saved
company several million dollars in claims.
• Performed clinical loan audits. Signing authority up to max. $650,000. Performed due diligence
compliance reviews as needed.
• Team finalist in company’s annual Discovery Award for quality excellence. Assisted in creating an
underwriter training manual. Chosen to represent team for video interview and a live presentation of the
project before a judging panel.
• Recipient of over ten Individual Excellence Awards for promoting corporate quality culture.
• Service-oriented leading to the design and publishing of regional quarterly newsletter Risky Business in
addition to regular workload. Circulated to all regional underwriters. Account Executives used as a
marketing tool.
• Strong ethics and integrity leading to independent teleworking assignment for two years. Used dual
screen computer system. All files were digital in a home paperless work environment. Prioritized workflow
and stayed on task.
• Impeccable organizational skills and computer literate. (Windows XP and Vista, Microsoft Office Suite:
Word, PowerPoint, Excel, Access, Adobe, PeopleSoft Payroll, Pro-unlimited Payroll, Lotus Notes, MS
Outlook, DU, LP, DO, Zippy, TMO, E-Magic Trio, CLUES)

3. Resume Continued (Page 3) Christine M. Schiller
Education
• B.A. Literature/Minor Spanish Lady Cliff College Highland Falls, NY
• Successfully completed competitive in-house management training program Securing the Future with
United Guaranty prior to company re-organization with AIG.
• Padgett Thompson Seminars: Communication Skills, Off-site Management, Supervisory Skills, and
Assertiveness Skills.