Deborah Voelkel Greene
North Chesterfield,VA
Summary
Accomplished and results-focused professional with over 15+ years of experience in FHA, VA, and conventional loan underwriting, driving operational excellence and efficiency to improve loan approval rates and customer satisfaction. Proficient in assessing creditworthiness, debt-to-income ratios, and collateral value to determine loan feasibility, enhance profitability, and maintain a positive reputation for the organization. Adept at interpreting complex financial data, identifying potential risks, developing strategies to mitigate risk, and protecting the organization from possible losses. Skilled in evaluating loan applications, verifying financial information, and assessing borrower qualifications to determine borrower's eligibility. Proven expertise in recognizing opportunities for process improvement to foster quicker turnaround times and higher customer retention rates to boost overall organizational success.
Overview
23
23
years of professional experience
Work History
FAMILY SABBATICAL
01.2022 - Current
- Pilot the welfare of an elderly mother and daily family operations while staying updated on industry-aligned trends and best practices to develop self further.
CONVENTIONAL AND FHA/DE FIRST MORTGAGE UNDERWRITER
Paramount Residential Mortgage Group
01.2020 - 01.2022
- Analyzed conventional production regularly, ensuring company and industry standards compliance.
- Reviewed, approved, and provided underwriting for large, unusual, or complex consumer requests and products to determine risk and adherence to guidelines.
- Managed lending authority to make informed decisions on loans and maintain a healthy portfolio for the organization.
- Implemented fraud detection techniques and executed thorough compliance reviews to protect against fraudulent activities.
- Conducted detailed examinations of transactions to ensure accuracy and completeness and upheld company and industry guidelines for documentation consistency and integrity.
CONVENTIONAL FIRST MORTGAGE AND HELOC UNDERWRITER
Citibank
01.2013 - 01.2019
- Evaluated and underwrote conventional production based on established criteria, ensuring alignment with industry standards.
- Verified, analyzed, and approved large, unusual, and complex consumer requests, utilizing a meticulous approach to underwriting within company guidelines.
- Supervised lending authority to make informed decisions and maintain quality control over loan approvals.
- Deployed fraud detection methods during compliance reviews to safeguard against fraudulent activities and maintain regulatory compliance.
- Performed thorough examinations of transactions to guarantee accuracy, completeness, and document consistency, upholding strict company and industry guidelines.
FHA DE UNDERWRITER-CHUMS B272
Quicken Loans
01.2012 - 01.2013
- Executed underwriting for conventional production in compliance with regulatory standards and lender requirements to ensure accurate assessment of loan applications.
- Conducted thorough reviews, analysis, and approval of large, unusual, or complex consumer requests and products to align decision-making with company policies.
- Supervised lending authority for various transactions, including jumbo FHA loans, to facilitate timely and informed lending decisions.
- Leveraged extensive industry expertise to deploy advanced fraud detection methods during compliance reviews to enhance risk mitigation strategies and protect against fraudulent activities.
- Implemented detailed examinations of transactions and documents to validate accuracy, consistency, and adherence to company and industry protocols.
- Evaluated and approved lending exceptions based on valid justifications and risk assessments to address unique borrower circumstances.
UNDERWRITER (LEVEL 2)
ZENTA/Accenture
01.2011 - 01.2012
- Spearheaded the underwriting process for conventional mortgage loans to optimize organizational profit margins and mitigate risk exposure effectively.
- Reviewed, analyzed, and approved large, unusual, or complex individual consumer requests and products strictly aligned with company policies.
- Provided oversight of lending authority up to a threshold of $625K, overseeing a wide range of transactions and ensuring conformity with established lending guidelines and risk tolerance levels.
- Implemented cutting-edge fraud detection methods during compliance reviews, enhancing risk management strategies and protection against potential fraudulent activities.
- Contributed as a United Guaranty Mortgage Insurance contract underwriter to support the organization's loan processing operations.
DELEGATION OF AUTHORITY ANALYST/UNDERWRITER 4
Wells Fargo Home Mortgage
01.2009 - 01.2010
- Reviewed loan applications and conducted thorough risk analysis to assess borrower's ability to repay, resulting in accurate loan decisions.
- Provided second-level review and lending authority of up to $2M, ensuring adherence to underwriting guidelines and policies.
- Analyzed candidate test reviews to determine readiness for underwriting authority, contributing to efficient loan processing.
- Critiqued and evaluated FHA/VA, FNMA, FMLMC, FHA bond loans, HARP, HAMP, and USDA test case submissions, ensuring compliance with regulatory requirements and industry standards.
QUALITY CONTROL ANALYST
Wells Fargo Home Mortgage
01.2008 - 01.2009
- Implemented and maintained a quality control program to ensure adherence to corporate credit policies, regulatory guidelines, and industry standards.
- Oversaw and conducted credit, compliance, and operational quality control testing to validate corporate credit policy and procedure adherence.
- Monitored federal and state lending laws and FNMA, FMLMC, and FHA/VA lending requirements by rigorously reviewing closed loan production.
- Collaborated with internal stakeholders to address and resolve any identified quality control issues, fostering a culture of continuous improvement.
PRODUCTION OPERATIONS MANAGER
HOME CREDIT SOLUTIONS
01.2004 - 01.2006
MORTGAGE CONSULTANT
Bankers Guarantee Title & Trust Company
01.2002 - 01.2004
Education
Certificate - Law
Ohio Paralegal Institute
Cleveland, OHBusiness Administration
Cleveland State University
Cleveland, OHBusiness Administration
Lakeland Community College
Mentor, OHSkills
- Underwriting
- Budget Planning
- Customer Service
- FHA/VA/USDA/Bond/Conventional Loans
- HR Management
- Mortgage Lending
- Operations Management
- Profit and Loss Management
- Policy and Procedure Development
- Product Development and Delivery
- Productivity and Performance Improvement
- Project Management
- Referral Networks
- Risk Management
- Sales/Marketing
- Strategic Planning
- Systems Design and Implementation
- Staff Leadership
- Training and Coaching
- Trend Analysis
- Extensive knowledge of industry guidelines to accurately assess loan applications and underwriting guidelines and determine borrower eligibility
- Excellent communication skills to interact with borrowers, loan officers, and other stakeholders to gather necessary information and provide updates on loan statuses
- Outstanding capability to negotiate terms, conditions, or alternatives with borrowers and stakeholders for loan approvals that benefit both parties
- Exceptional critical thinking capacity to think critically and effectively problem-solve when faced with challenging loan scenarios or discrepancies in application documentation
- Demonstrated risk assessment prowess to identify potential risks in loan applications and evaluate borrower creditworthiness to protect the organization from financial losses
- Solid expertise in USDA and Bond Loans, and a proven track record of exceeding production goals while maintaining quality underwriting standards
Keyaccomplishment
Recognized and awarded as the top sales performer in 2003, fostering additional commitment to closing sales deals.
Priorexperience
- PRODUCTION OPERATIONS MANAGER, HOME CREDIT SOLUTIONS
- MORTGAGE CONSULTANT, Bankers Guarantee Title & Trust Company, Fairlawn, OH,
- PRESIDENT, PDQ Mortgage Services, Independence, OH
- QUALITY CONTROL/COMPLIANCE & GOVERNMENT LENDING MANAGER, Transohio Savings Bank
Personal Information
Title: SENIOR MORTGAGE UNDERWRITER
Timeline
FAMILY SABBATICAL
01.2022 - Current
CONVENTIONAL AND FHA/DE FIRST MORTGAGE UNDERWRITER
Paramount Residential Mortgage Group
01.2020 - 01.2022
CONVENTIONAL FIRST MORTGAGE AND HELOC UNDERWRITER
Citibank
01.2013 - 01.2019
FHA DE UNDERWRITER-CHUMS B272
Quicken Loans
01.2012 - 01.2013
UNDERWRITER (LEVEL 2)
ZENTA/Accenture
01.2011 - 01.2012
DELEGATION OF AUTHORITY ANALYST/UNDERWRITER 4
Wells Fargo Home Mortgage
01.2009 - 01.2010
QUALITY CONTROL ANALYST
Wells Fargo Home Mortgage
01.2008 - 01.2009
PRODUCTION OPERATIONS MANAGER
HOME CREDIT SOLUTIONS
01.2004 - 01.2006
MORTGAGE CONSULTANT
Bankers Guarantee Title & Trust Company
01.2002 - 01.2004
Certificate - Law
Ohio Paralegal Institute
Business Administration
Cleveland State University
Business Administration
Lakeland Community College