Summary
Overview
Work History
Education
Skills
Timeline
BusinessAnalyst

Deborah Charnholm

Ennis

Summary

Experienced and meticulous underwriter with over 20 years of proven success in assessing guidelines and risks for in-house, conventional, and government loans. Skilled in identifying potential risks and evaluating complex financial situations to make informed underwriting decisions. Detail-oriented professional excelling in data analysis and applying industry best practices for accurate risk assessment. Committed to maintaining precision while navigating complex loan scenarios, contributing to the overall success of the underwriting process.

Overview

20
20
years of professional experience

Work History

Loan Processor/Underwriter

Madison Valley Bank
08.2022 - Current
  • Process in-house and secondary market mortgage loans and board them
  • Prepare Loan Estimate and Closing Disclosure/closing document packages
  • Prepare loan packages to the investor
  • Back-up underwriter for real estate loans
  • Balance GL accounts

Remote Senior Underwriter

EMM Loans, LLC
02.2021 - 01.2022
  • Underwrote loans in accordance with conventional, VA and FHA program guidelines.
  • Reviewed of appraisals for FHA and VA loans and issued NOVs and Conditional Commitments
  • Certified condominium projects through CPM for Fannie Mae loans

Remote Senior Underwriter

Guaranteed Rate
11.2020 - 02.2021
  • Underwrote loans adhering to conventional, VA, and FHA guidelines.
  • Issued Notice of Values and Conditional Commitments for appraisals.

Remote Senior Underwriter

EMM Loans, LLC
08.2020 - 10.2020
  • Underwrote conventional and FHA loans per program and investor guidelines
  • Certified condominiums with CPM compliance.

Remote Senior Underwriter

CrossCountry Mortgage, LLC
07.2019 - 05.2020
  • Underwrote conventional, RD, FHA and VA mortgage loans per program and investor guidelines
  • Reviewed condominium projects for eligibility and issued the warranties for condominium projects

Remote Mortgage Loan Underwriter

Republic State Mortgage Company
08.2015 - 07.2019
  • Underwrote conventional loans, jumbo loans
  • Reviewed lending criteria for state housing schemes in accordance with program parameters and investor standards across Kentucky, Massachusetts and Texas.
  • Assessed condominium projects for qualification and provided warranties.

Senior Mortgage Underwriter

Opportunity Bank
09.2009 - 08.2015
  • Underwrote HELOC, share loans, land loans, portfolio mortgage loans, jumbo loans, construction/permanent loans, conventional, FHA and VA mortgage loans per program and investor guidelines
  • Reviewed condo project documents and budgets for eligibility and issued the warranties for condominium projects for conventional loans
  • Prior to starting to underwrite for this employer in 2011, I processed mortgage loans, boarded loans, packaged loans for investors, handled servicing loans which included accepting and posting payments, ran escrow analyses and handled accounts payable for my branch location

Education

Associate Of Arts - Business Administration

Bismarck State College
Bismarck, ND

Skills

  • Accuracy
  • Detail-oriented
  • FHA/VA
  • Organizational skills
  • Problem solving
  • Strong analytical
  • Decision making
  • Credit analysis
  • Loan underwriting
  • Financial analysis
  • Regulatory compliance
  • Cimmunication

Timeline

Loan Processor/Underwriter

Madison Valley Bank
08.2022 - Current

Remote Senior Underwriter

EMM Loans, LLC
02.2021 - 01.2022

Remote Senior Underwriter

Guaranteed Rate
11.2020 - 02.2021

Remote Senior Underwriter

EMM Loans, LLC
08.2020 - 10.2020

Remote Senior Underwriter

CrossCountry Mortgage, LLC
07.2019 - 05.2020

Remote Mortgage Loan Underwriter

Republic State Mortgage Company
08.2015 - 07.2019

Senior Mortgage Underwriter

Opportunity Bank
09.2009 - 08.2015

Associate Of Arts - Business Administration

Bismarck State College

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Deborah Charnholm