Deborah Haynes-Hunt
Garland,TX
Summary
Accomplished SR. Loan Underwriter with extensive experience at Navy Federal Credit Union, demonstrating strong decision-making and loan structuring skills. Proven track record in evaluating complex loan applications, ensuring compliance, and mitigating risk. Recognized for professionalism and integrity while supporting teams to achieve optimal underwriting outcomes.
Overview
13
13
years of professional experience
Work History
SR. Loan Underwriter
Navy Federal Credit Union
07.2024 - Current
- Evaluated Conventional loan applications for compliance with credit policies and risk assessment guidelines.
- Analyzed borrower financial documents to assess creditworthiness and mitigate risk exposure.
- Collaborated with loan officers to resolve discrepancies and ensure accurate underwriting decisions.
- Conducted thorough assessments of loan files, ensuring adherence to regulatory requirements and internal controls.
SR. Loan Underwriter
First United Bank
03.2021 - 12.2022
- Evaluated loan applications for VA/FHA/CONV home loans credit, for compliance with credit policies and risk assessment guidelines.
- Reviewed AUS supported findings for DU, LP accept and manual review.
- Analyzed personal and business tax returns for self employed income qualifications.
- Complete CONV, VA & FHA appraisal reviews. Issue Conditional Commitment and NOV in accordance with appraisal guidelines.
Mortgage Underwriter IV
USA Mortgage
06.2019 - 03.2021
- Evaluated loan applications for VA/FHA/CONV home loans credit for compliance with credit policies and risk assessment guidelines.
- Reviewed AUS supported findings for DU, LP accept and manual loans.
- Analyzed personal and business tax returns for self employed income qualifications.
- Complete CONV, VA & FHA appraisal reviews. Issue Conditional Commitment and NOV in accordance with FHA and VA appraisal guidelines.
Mortgage Underwriter IV
Veterans United Home Loans
06.2012 - 04.2019
- Complete accurate mortgage underwriting review of VA home loans. Recommended loan approval and denial.
- Analyzed personal and business tax returns for self employed income qualifications.
- Complete VA appraisal reviews and issue NOV in accordance of VA appraisal guidelines.
Education
Richland Community College
DallasSkills
- Strong decision-making
- Loan structuring
- Professionalism and integrity
- Team leadership qualities
Timeline
SR. Loan Underwriter
Navy Federal Credit Union
07.2024 - Current
SR. Loan Underwriter
First United Bank
03.2021 - 12.2022
Mortgage Underwriter IV
USA Mortgage
06.2019 - 03.2021
Mortgage Underwriter IV
Veterans United Home Loans
06.2012 - 04.2019
Richland Community College
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