Open to opportunities

Karl Voll

@karlvoll

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Certified Master Mortgage Underwriter with 5+ years of experience.

Zimbabwe

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What I'm looking for

I am seeking a role that allows me to leverage my underwriting expertise while contributing to a team-oriented environment focused on compliance and customer service.

As a Certified Master Mortgage Underwriter with over five years of experience, I have developed a comprehensive understanding of various loan products, including Conforming, Non-conforming, QM, Non-QM, and Jumbo loans. My recent certification through the National Association of Mortgage Underwriters has further enhanced my skills and knowledge in the field, ensuring I remain at the forefront of industry standards and practices.

Throughout my career, I have demonstrated a proven track record of accuracy and compliance in fast-paced remote environments. My experience includes conducting due diligence underwriting for major financial institutions, where I meticulously validated income, assets, and liability documentation. I pride myself on my ability to adapt to changes in program guidelines and compliance standards, ensuring that all underwriting decisions align with regulatory requirements.

In addition to my technical expertise, I have a strong commitment to community service, having volunteered in humanitarian efforts in Ukraine and Poland. I believe that my professional skills, combined with my dedication to helping others, make me a valuable asset to any organization.

Experience

Work history, roles, and key accomplishments

Current

Logistics, Transportation

Current

Core-Mark International

Sep 2023 - Present (1 year 9 months)

Responsible for driving Class A tractor and trailer, locally and regionally. Recognized as Employee of the Month in April 2024.

Logistics Transportation Regional Driving Local Driving

Logistics, Warehouse

UPS

Dec 2022 - Sep 2023 (9 months)

Worked at a warehouse distribution center, contributing to logistics and operations. Gained experience in warehouse processes and distribution.

Logistics Distribution Inventory Management

Humanitarian Aid Volunteer

Mar 2022 - Oct 2022 (7 months)

Repaired and constructed homes and schools in and around Kyiv, Ukraine, damaged by war. Assisted Ukrainian refugees at centers in Warsaw, Poland, and evacuated dogs affected by the war.

Construction Animal Rescue

Mortgage Underwriter

SitusAMC

Jul 2021 - Mar 2022 (8 months)

Conducted due diligence underwriting for JPMorgan, ensuring compliance with product guidelines. Utilized Encompass 360 Loan Origination Software (LOS) System and interpreted income, assets, and liability documentation to support underwriting decisions.

Due Diligence Encompass Compliance

Mortgage Underwriter III

PHH Mortgage

Oct 2010 - Apr 2014 (3 years 6 months)

Performed due diligence underwriting on Merrill Lynch high-net-worth portfolio, underwriting Conventional/Conforming and Non-Conforming/Jumbo loans. Adhered to all client/lender policies and procedures, in addition to Federal, State and/or municipal laws and regulations within the due diligence process.

Due Diligence Compliance Risk Management

Mortgage Underwriter II

Clayton (Covius)

Jul 2010 - Oct 2010 (3 months)

Performed front end mortgage underwriting on Conventional/Conforming loans for PHH Mortgage as a contractor. Worked on the Merrill Lynch team underwriting FHLMC backed loans and communicated with Loan Processors to clear conditions and meet daily production goals.

Conforming Loans Loan Processing Condition Clearing

Mortgage Servicing Underwriter III

Aurora Loan Services

Jun 2009 - Jul 2010 (1 year 1 month)

Underwrote Short Sales and Loan Modifications in accordance with Freddie Mac (FHLMC) and U.S. Treasury guidelines. Calculated borrower income, expenses, and escrow advances with a strong focus on accuracy and compliance to investor/insurer/client standards.

Short Sale Freddie Mac Compliance

Education

Degrees, certifications, and relevant coursework

Doane University

BA, Business Administration

Completed a Bachelor of Arts in Business Administration. This program provided a strong foundation in business principles and practices.

National Association of Mortgage Underwriters (NAMU)®

Certification, Mortgage Underwriting

Completed comprehensive training through the National Association of Mortgage Underwriters (NAMU)®, covering essential areas such as mortgage underwriting fundamentals, advanced underwriting practices, FHA/VA underwriting, manual underwriting techniques, income and asset analysis, appraisal review, and tax return analysis. This certification demonstrates a commitment to maintaining up-to-date indu