Kayli Jenkins

Licensed Loan Partner (NMLS# 2669325) with 3+ years in residential mortgage and a proven closing record. Supported a producing Loan Officer in closing 137 units totaling $40.7 million in 2025, with another 65 units and $20.3 million funded through June 2026, across purchase and refinance transactions (majority purchase), owning each file from application through closing. Manage a diverse residential pipeline spanning retail origination, correspondent, and wholesale channels, evaluating each file to determine the best execution path and product fit for the borrower.

Hands-on experience across Conventional, FHA, VA, USDA, and Non-QM programs (Bank Statement, DSCR, No Ratio, Asset Depletion) with daily use of Encompass, DU, LP, and GUS.

Loan Partner at American Financial Network (2024-04 – Present)

• Support a producing Loan Officer's pipeline, closing 137 units totaling $40.7 million in 2025, plus 65 units totaling $20.3 million through June 2026, spanning purchase and refinance transactions (majority purchase).
• Decide whether each file is underwritten and funded in-house for correspondent sale or brokered out to a wholesale lender, matching complex and niche scenarios to the right program and guidelines.
• Own each file from application forward: take applications directly with borrowers by phone and structure pre-approvals to fit the borrower and the loan program.
• Prepare and issue initial disclosures on every in-house file, including fees, points, and rates on the Loan Estimate, within required TRID timeframes.
• Calculate and analyze borrower income across all types (salaried, hourly, commission, bonus, and self-employed), documenting calculations in each file for processing and underwriting.
• Review credit, income, assets, and liabilities to determine borrower eligibility, reconciling documentation against the application and updating files daily as items come in.
• Qualify loans through Desktop Underwriter (DU), Loan Product Advisor (LP), and Guaranteed Underwriting System (GUS) for USDA files, ensuring compliance with internal policy and external regulation.
• Average 21 to 30 days from contract to close, with zero missed closing dates caused by file-side delays.
• Track conditions across all files and follow up with borrowers by phone, email, and text to keep every closing on schedule.
• Prepare complete, submission-ready files for processing, flagging outstanding items at handoff, and step in to process files directly when coverage is needed.
• Coordinate directly with real estate agents, appraisers, and title companies, delivering appraisals to borrowers with confirmed receipt and scheduling closings with title.
• Coordinate with homeowners insurance agents to secure and bind HOI and flood policies when required for closing.
• Analyze credit reports and walk clients and underwriters through discrepancies or negative marks before they become file delays.
• Design marketing flyers and client-facing materials in Canva to support the Loan Officer's realtor outreach and referral partner branding.

Processing Manager at Innovation Refunds (2022-08 – 2024-03)

• Led a team of 16 direct reports processing PPP and business tax credit files, surpassing key performance targets and reporting directly to the VP of Operations.
• Directed preparation and completion of files, ensuring documentation was accurate and met company and regulatory guidelines before underwriting.
• Reviewed borrower documentation, calculated income, and evaluated credit and eligibility across business and tax credit files.
• Implemented HubSpot reporting and built a performance analytics dashboard used across the team.
• Designed templates, authored guidebooks, and created spreadsheets that standardized processes across the department.

Mortgage Loan Processor at American Financial Network (2021-10 – 2022-08)

• Processed mortgage loan applications end to end, running AUS for Freddie Mac and Fannie Mae files in compliance with agency requirements.
• Calculated and verified borrower income, employment, and job history through employer contact and third party verification of employment (VOE) services.
• Reviewed bank statements and investment accounts to confirm adequate down payment and reserves.
• Worked daily with borrowers, loan officers, underwriters, appraisers, and title companies to move files from application to closing.
• Analyzed credit reports and resolved discrepancies with clients and underwriters.

Team Lead, PPP Loan Processor at U.S. Small Business Administration (2020-05 – 2021-10)

Contract position. Promoted from Loan Specialist 1 to Team Lead.

• Assessed PPP loan forgiveness applications, each totaling over $1 million, reviewing documentation and calculating income and payroll data for eligibility under CARES Act guidelines.
• Developed and implemented an Excel based solution that scaled team workflow.

Credit Advisor at Florida Credit Union (2016-07 – 2018-07)

• Assessed credit reports and bank statements for consumer loans as project planning lead for Equifax reporting.
• Developed tailored plans for 20+ clients monthly, reducing delinquent accounts, and was recognized quarterly for managing challenging client relationships.

Vendor Account Specialist at CIT Finance (2015-04 – 2016-04)

• Managed Toshiba vendor accounts across the eastern U.S., growing leased transaction revenue by 15 percent and exceeding quarterly goals by over $100,000 in two of four quarters.

Bachelor of Applied Science in Business and Organizational Management – Daytona State College

Associate Degree – Santa Fe College