Karen Tobin
West Columbia
Summary
Eligibility/Financial Counselor with Lexington Medical Center for 9 months and Senior Underwriter with total 37 years in mortgage business. Underwriting history includes FHA, VA, SC/NC State Housing, USDA, FNMA/FHLMC and Portfolio products. Listed last 10 years employment history.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Customer Service/Eligibility/Financial Counselor
Lexington Medical Center
01.2023 - 09.2023
Advised and assisted patients with options to pay outstanding medical bills owed Lexington Medical Center. I met with patients in our office and spoke with them over the phone. Also collected and reviewed the financial documents in order to get them approved for financial assistance.
Senior Mortgage Underwriter
First Reliance Bank
01.2022 - 09.2022
Evaluated credit & financial history, capacity and collateral for FNMA, FHA, VA, and SC State Housing loans.
Senior Mortgage Underwriter
South State Bank
02.2021 - 09.2021
Evaluated credit & financial history, capacity and collateral for FNMA loans.
Senior Mortgage Loan Underwriter
Truist/SunTrust Bank
01.2019 - 12.2020
Evaluated credit & financial history, capacity and collateral for FHA, FNMA and Portfolio loans.
Senior Mortgage Loan Underwriter
First Citizens Bank
01.2015 - 11.2018
Evaluated credit & financial history, capacity and collateral for FHA, VA, USDA, NC/SC Housing, FNMA and Portfolio loans.
Mortgage Underwriter
Resource Financial Services/CertusBank/Amerisave
01.2013 - 12.2014
Evaluated credit & financial history, capacity and collateral for FHA, VA, USDA, SC State housing loans.
Senior Mortgage Loan Underwriter
Wachovia/Wells Fargo Bank
08.2004 - 12.2012
Evaluated credit & financial history, capacity and collateral for FHA, FNMA and Portfolio loans
Education
High School Diploma -
Columbia High School
Columbia, SC05.1975
Skills
Goal-oriented
Self-sufficient
People-oriented
Detail-oriented
Excellent analytical skills
Math aptitude
Strong Ethics
Certification
FHA DE Certification
VA LAPP Certification
Recent move
I have lived in Atlanta, GA since 1-2019. I just moved back to South Carolina from Atlanta in 9-2021 when my fiance passed away. I relocated back to be near family and friends. I was laid off from First Reliance Bank 9-13-22 per market downswing and low volume.
Timeline
Customer Service/Eligibility/Financial Counselor
Lexington Medical Center
01.2023 - 09.2023
Senior Mortgage Underwriter
First Reliance Bank
01.2022 - 09.2022
Senior Mortgage Underwriter
South State Bank
02.2021 - 09.2021
Senior Mortgage Loan Underwriter
Truist/SunTrust Bank
01.2019 - 12.2020
Senior Mortgage Loan Underwriter
First Citizens Bank
01.2015 - 11.2018
Mortgage Underwriter
Resource Financial Services/CertusBank/Amerisave
01.2013 - 12.2014
Senior Mortgage Loan Underwriter
Wachovia/Wells Fargo Bank
08.2004 - 12.2012
High School Diploma -
Columbia High School
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