Deborah Guy
Chico,CA
Summary
Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance. Skilled in working under pressure and adapting to new situations. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Hardworking and passionate job seeking with willingness to take on added responsibilities to meet team goals.
Overview
33
33
years of professional experience
Work History
Regional Operations Manager
PrimeLending, A PlainsCapital Company
09.2009 - 11.2023
- Evaluates operational staff and processes to ensure loans are processed, approved and closed in complete accordance with Company, federal, state and regulatory standards to meet or exceed Company standards.
- Managed 2 regions remotely servicing over 500 people
- Collaborated with cross-functional teams to align operations with corporate objectives.
- Monitored and analyzed performance data, identifying areas of improvement and developing corrective action plans.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
- Maintains working knowledge of Fannie Mae/Freddie Mac and FHA/VA policies and guidelines, as well as, Regulatory Mortgage Compliance, state, federal, local government, private investors and insurers.
- Ability to make educated underwriting decisions.
Underwriting Assistant
Freedom Mortgage Corporation
12.2007 - 06.2009
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
- Reviewed credit reports, financial statements and transactions to verify accuracy and completeness.
- Cleared conditions of loan approval and ordered mortgage insurance
- Maintained high level of customer service and communications with Brokers, Account Executives and all Branch personnel.
Broker Relations Coordinator
National City Mortgage
12.2006 - 11.2007
- Set up new submissions, sign off conditions, final review of loan file for submission for loan documents
- Maintain high level of customer service and communications with Brokers, Account Executives and all Branch Personnel.
- Price and lock loans
Underwriting Assistant
National City Mortgage
01.2005 - 03.2006
- Validate loan file per the AUS findings or Underwriter's condition list and sign off conditions of loan approval
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
- Reviewed credit reports, financial statements and transactions to verify accuracy and completeness.
- Volunteered to help with special projects of varying degrees of complexity.
- Identified alternative solutions and/or escalate loan file to Underwriter for AU Refer decisions.
Senior Loan Processor
National City Mortgage
07.2001 - 12.2004
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Provided quick turnaround times to maintain fast-past schedule.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Decision Certified Processor Certification - authority to underwrite, draw docs and fund AUS approved loans
Junior Underwriter
National City Mortgage
02.1996 - 06.2001
- Underwrite FHA and VA rate reduction refinance loans
- Review loan conditions and resubmissions to clear conditions not marked to be cleared by Underwriter
- Organize and maintain daily file flow to achieve optimum turnaround times
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Built strong relationships with brokers, account executives and Branch personnel.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Senior Loan Funder
Ford Consumer Finance
03.1992 - 02.1996
- Maintained strict confidentiality of bank records and client information.
- Cleared prior to funding conditions and funded loan file in a timely manner
- Compiled closing packages for drafting and presentation accuracy.
Funder
Great Western Bank
01.1991 - 03.1992
- Compiled closing packages for drafting and presentation accuracy.
- Prepared final loan documents and reviewed to ensure accuracy.
- Cleared conditions and funded loans in a timely manner.
Education
High School Diploma -
University High School
Irvine, CA06.1987
Skills
- Excellent interpersonal skills
- Operational Efficiency
- Knowledge of performance tracking
- Detail and Customer Service oriented
- Demonstrated record of performance, reliability, leadership, judgement and decision making ability
Timeline
Regional Operations Manager
PrimeLending, A PlainsCapital Company
09.2009 - 11.2023
Underwriting Assistant
Freedom Mortgage Corporation
12.2007 - 06.2009
Broker Relations Coordinator
National City Mortgage
12.2006 - 11.2007
Underwriting Assistant
National City Mortgage
01.2005 - 03.2006
Senior Loan Processor
National City Mortgage
07.2001 - 12.2004
Junior Underwriter
National City Mortgage
02.1996 - 06.2001
Senior Loan Funder
Ford Consumer Finance
03.1992 - 02.1996
Funder
Great Western Bank
01.1991 - 03.1992
High School Diploma -
University High School
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