Open to opportunities

Kamila Swinson

@kamilaswinson

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Detail-oriented mortgage underwriting candidate with 7 years of experience.

United States

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What I'm looking for

I am looking for a role that allows me to leverage my mortgage expertise and client-facing skills in a collaborative environment.

I am a detail-oriented and analytical Mortgage Underwriting Candidate with over 7 years of experience supporting loan officers and navigating mortgage application processes. My expertise lies in evaluating client financial profiles, analyzing financial documents, and ensuring compliance with FHA, VA, and conventional loan guidelines. I have a strong familiarity with credit reports, debt-to-income (DTI) ratios, loan-to-value (LTV) ratios, and underwriting requirements, which I continuously enhance through specialized online training.

In my current role as a Real Estate Sales Broker and Loan Liaison, I work closely with mortgage lenders and processors to meet client qualification criteria. I assist clients in preparing complete loan application packages and provide guidance on FHA and VA loan processes, ensuring smooth closings. My previous experience as a Retail Operations & Store Manager and Executive Assistant to the CEO has equipped me with strong client communication skills and a solid understanding of financial tracking and compliance initiatives.

Experience

Work history, roles, and key accomplishments

Real Estate Sales Broker & Loan Liaison

Self-Employed

Jul 2018 - Present (6 years 11 months)

Collaborated with mortgage lenders and processors to ensure clients met all qualification criteria for loans. Assisted clients in preparing comprehensive loan application packages, including gathering documentation and addressing pre-underwriting inquiries. Provided essential guidance on FHA and VA loan processes, facilitating smooth closings.

Loan Processing Client Communication Underwriting

Retail Operations & Store Manager

Luxury Jewelry

Oct 2013 - Present (11 years 8 months)

Managed customer financing options, meticulously reviewing credit qualifications and ensuring all necessary documentation was accurately processed. Successfully trained retail teams on intricate financing workflows, emphasizing risk awareness and the proper structuring of payment plans.

Customer Finance Documentation Management Customer Service Sales

Education

Degrees, certifications, and relevant coursework

Western Governors University

Bachelor of Business Administration, Business Administration

Currently pursuing a Bachelor's degree in Business Administration at Western Governors University. The curriculum focuses on core business principles and management strategies, preparing for leadership roles.

North Carolina Real Estate Commission

License, Real Estate

Obtained North Carolina Real Estate License with specialization in FHA and VA loans. This certification demonstrates expertise in real estate transactions and client guidance.

State Licensing Authority

License, Insurance

Acquired Life Insurance License, demonstrating proficiency in insurance principles and regulations. This credential supports comprehensive client financial advising.

Udemy

Professional Development Courses, Mortgage Underwriting

Completed relevant coursework in Mortgage Processing, Underwriting Fundamentals, Loan Checklists, and Problem-Solving Strategies through online platforms including Udemy. This training significantly enhanced expertise in mortgage operations and problem-solving.