Kenneth Alton
@kennethalton
Experienced Underwriter/Analyst with a proven record for high standards.
United StatesWhat I'm looking for
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
Credit Analyst/Mortgage Underwriter
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.
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.
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.
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.
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.
Education
Degrees, certifications, and relevant coursework
EUEastern 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.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Job categories
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