Kenneth Adkins

5119 Arbor Chase Dr.* Raleigh, NC 27616 *Home: (919) 649-7997 *

ka6be006@westpost.net
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QUALIFICATIONS SUMMARY
Seasoned Mortgage Professional with more than 8 years of successful experience i
n commercial/residential credit risk, underwriting and account management seeks
a position with a reputable company with growth potential. Expert in Word, Excel
, Power point, Outlook, DO/DU automated approval systems. Effective communicator
and leader with progressive experience in the analysis of FHA/VA, conventional,
and sub-prime loans.
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EXPERIENCE
Mortgage Authority Group Raleigh, NC
International commercial/residential real-estate lender
President/Consultant, May 2007 to 2010
* Managed 8 loan officers and 2 processors with all of there loan transactions i
ncluding but not limited to completing the 1003, collecting loan documents, calc
ulating DTI ratios, pre-approvals according to lender guidelines, and clearing c
onditions.
* Responsible for underwriting all loans closed through Mortgage Authority Group
.
* Expert knowledge of FHA, VA and conventional loans applied to closing loans in
various banks and mortgage companies.
* Identified risk issues and took pro-active steps to address and minimize.
* Oversaw all operations and finances, including sales, budgets, accounting, P&L
, forecasting, modeling, compliance, safety, service and marketing.
* Completed all requirements of loan bookings, to include all preparation, revie
w, documentation and filing.
* Ensure compliance with credit and regulatory guidelines are in place in accord
ance with Company standards.
Triangle Lending Group Raleigh, NC
Residential/Commercial broker
Loan Officer/Consultant, January 2005 to May 2007
* Proficient in all aspects of Mortgages and consumer lending operations to incl
ude completing and processing applications, underwriting files, evaluating risks
, inspecting collateral and closing loans within level of approved authority.
* Ensure compliance with credit and regulatory guidelines are in place in accord
ance with Company standards.
* Responsible for outside sales origination and production of consumer and insta
llment loans directly to the customer through solicitation of builders,
developers, real estate brokers, bankers, attorneys, accountants and financial
institutions.
* Compiled and analyzed the necessary information to develop timely, accurate an
d complete credit recommendations.
MIT Bank Durham, NC
Residential/Commercial Bank
Mortgage Banker, June 2003 to January 2005
* Originated residential and commercial real estate mortgages by actively solici
ting loan applications through contact with Realtors, Builders, and other referr
al sources.
* Provided service to prospective customers seeking commercial loans, interviewe
d applicants to develop information concerning their needs, obtained and analyze
d pertinent financial
data for each loan applicant.
* Prepared loan production reports for management; attended staff and financial
institution lender meetings as required.
American General Finance Raleigh, NC
Financial Services Company affiliate of AIG
Financial Consultant, June 2002 to June 2003
* Proficient in all aspects of Mortgages and consumer lending operations to incl
ude completing and processing applications, underwriting files, evaluating risks
, inspecting collateral and closing loans within level of approved authority.
* Conducted effective interviews and needs analysis.
* Conduct credit, underwriting and financial analysis, and assist the client thr
ough the loan application process.
* Assist clients throughout the loan process from application to closing; troubl
eshoot transaction issues on behalf of the client in order to achieve clients fi
nancial goals.

EDUCATION
STRAYER UNIVERSITY, Raleigh, NC
MBA in Finance, 2009 (Honors)
MOREHOUSE COLLEGE, Atlanta, GA
B.S. in Mathematics/Economics, 2002 (Honors)
COMPUTER SKILLS
MS Excel, MS Word, MS Project, MS PowerPoint, MS Outlook, QuickBooks, Windows XP
, various cost accounting and management reporting systems