Open to opportunities

Kenneth Alton

@kennethalton

Message

Experienced Underwriter/Analyst with a proven record for high standards.

United States

Message

What I'm looking for

I am looking for a role that values quality and attention to detail, with opportunities for professional growth.

I am an experienced Underwriter and Analyst with a strong commitment to maintaining high standards in production and quality. My career spans over two decades in the financial services industry, where I have honed my skills in underwriting, quality assurance, and client communication. I pride myself on my attention to detail and my ability to engage effectively with both internal and external partners.

Throughout my tenure at First American Bank, I have successfully underwritten a variety of loan types, including Jumbo and Private Banking loans, while ensuring compliance with Freddie Mac and Fannie Mae guidelines. My previous roles at BMO Harris Bank and Wells Fargo Bank have further solidified my expertise in conducting quality assurance audits and providing coaching to fellow underwriters. I have consistently demonstrated my ability to deliver clear solution proposals and maintain regulatory compliance across all aspects of my work.

Experience

Work history, roles, and key accomplishments

Current

Credit Analyst/Mortgage Underwriter

Current

First American Bank

Aug 2019 - Present (5 years 10 months)

Underwrote to Freddie Mac and Fannie Mae automated underwriting guidelines, ensuring all regulatory and company guidelines were met. Experienced in underwriting Jumbo, Private Banking loans, Home Equity Loans, and Lines of Credit.

Freddie Mac Underwriting Fannie Mae Underwriting Guidelines Jumbo Loans Private Banking Home Equity Lines Of Credit

Forensic Underwriter

Opus/Contract

Jun 2019 - Present (6 years)

Served as a Forensic Underwriter on a contract basis. Focused on detailed analysis of loan documentation.

Loan Documentation Contract Review

Underwriter II

BMO Harris Bank

Oct 2016 - Present (8 years 8 months)

Underwrote Affordable Loan Programs, maintaining quality and production while adhering to program guidelines. Conducted Quality Assurance Audit reviews and communicated findings to underwriters for coaching.

Freddie Mac Underwriting Quality Assurance

Senior Underwriter

Wells Fargo Bank

Nov 2010 - Present (14 years 7 months)

Held conventional underwriting level 4 authority, the company's highest level, due to high production and strong quality. Conducted Quality Assurance reviews and second level reviews to ensure compliance with bank and regulatory guidelines.

Underwriting Jumbo Loans Quality Assurance

Senior Underwriter

Chase Bank/Washington Mutual Bank

Jun 1995 - Present (30 years)

Proficient in High Risk Affordable and Community focus loan programs. Conducted Second Level reviews and Quality Assurance Audits for management.

Community Focus Loans Jumbo Loans Quality Assurance

Education

Degrees, certifications, and relevant coursework

Eastern Illinois University

Bachelor of Science, Finance

Obtained a Bachelor of Science degree with a focus on Finance. Gained practical experience in management, customer relations, and organization representation.