Debra Gannon
Lutz
Summary
Dynamic, energetic professional who is disciplined and goal orientated with over 20 years experience in the mortgage industry with the ability to handle large pipeline volume. Expertise includes balancing competing priorities with excellent time management, problem solving and decision making skills. Extensive knowledge of Conventional and Jumbo loans to include CFPB, TRID and RESPA guidelines. Excellent verbal and written communication skills and exceptionally customer service orientated. Proficient in Microsoft Word, Excel and Outlook. Adaptable to various work environments and motivated to expand industry knowledge and licensing.
Overview
13
13
years of professional experience
Work History
Contract Administrator
Professional Glass
10.2023 - Current
- Monitored incoming contracts and service agreements for correct pricing and information.
- Maintained strict confidentiality of sensitive information while handling sensitive client contracts.
- Maintained accounts receivable records by recording and collecting payments, invoicing clients.
Client Service Specialist
Source-Tek On Boarding For Innovation Refunds
01.2023 - 06.2023
- Experience educating prospective clients on the Employee Retention Tax Credit Program.
- Assessed clients needs, discussed their options, provided basic understanding and reviewed all documents required for approval to include 941s, payroll ledgers, 3508s and narratives.
- Processed and analyzed all applications.
- Maintained over 95% quality while meeting all production requirements.
Senior QC Analyst/Underwriter
SitusAMC
08.2018 - 07.2022
- Performed risk analysis and forensic reviews of Conventional, Jumbo, FNMA, FHLMC, VA, FHA, HARP residential loans.
- Identified portfolio risks, underwriting and fraud exposure with an emphasis in compliance, TRID, RESPA reviews.
- Made appropriate and intelligent decisions regarding deficiencies identified to ensure compliance met within the company, industry and federal guidelines.
- Accurately recorded data, set exceptions, compiled a review of the documentation to ensure regulations had been adequately met, including a deepened understanding of TRID to include initial and final LE and CD as well as corresponding Change in Circumstances.
- Provided guidance and served as mentor to less experienced underwriters.
- Special projects as defined by the qualify control senior management team.
- Maintained above 97% quality reviews with exceeding production requirements.
Senior Underwriter / High Net Worth Division
Merrill Lynch / Bank Of America
06.2016 - 11.2017
- Reviewed submitted files for adherence to Merrill Lynch credit policy for all conforming and jumbo guidelines with emphasis on high net worth portfolio clients.
- Ensured loan met all program and product specification.
- Communicated loan decisions and deficiencies with all clients and management teams.
- Adhered to all Merrill Lynch Fair Lending Practices.
- Met and exceeded all departmental goals for productivity with excellent quality review scores.
- Remained up to date and knowledgeable on all policies and procedures.
Senior Underwriter / Non Agency and Correspondent
JP Morgan Chase
10.2011 - 04.2016
- Conventional, Agency, Jumbo, Non Agency Underwriting to include review of 1003, credit, income, title, appraisal.
- Adhered to all Chase underwriting and compliance guidelines to include all overlays.
- Reviewed cure documentation submitted and determined acceptability.
- Mentor to a team of 10 junior underwriters to provide a deepened education to obtain Lending Authority.
Education
Business/Finance
Grossmont College
El Cajon, CA01.1992
Skills
- Excellent customer service and interpersonal skills
- Experience in resolving conflict and negotiating
- Ability to multi task in an operating systems environment
- Proficient in review of business tax returns to include 1065s, 1120, 1120s
- 12/24 bank statement
- Cash flow analysis
- 2 MM Lending Authority
Timeline
Contract Administrator
Professional Glass
10.2023 - Current
Client Service Specialist
Source-Tek On Boarding For Innovation Refunds
01.2023 - 06.2023
Senior QC Analyst/Underwriter
SitusAMC
08.2018 - 07.2022
Senior Underwriter / High Net Worth Division
Merrill Lynch / Bank Of America
06.2016 - 11.2017
Senior Underwriter / Non Agency and Correspondent
JP Morgan Chase
10.2011 - 04.2016
Business/Finance
Grossmont College
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