DeeAnn Craigmile
West Linn,OR
Summary
Results driven and meticulous Senior Underwriter with 15+ years of experience delivering risk analysis, control environment effectiveness, and underwriting analysis. Skilled in risk assessment, policy analysis, and compliance regulation. Adept at maintaining high quality standards while working remotely, with effective communication and problem-solving skills.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Underwriter
Wells Fargo
03.2010 - 08.2023
- Retained 3M signing authority as to issue 200+ monthly exceptions or audits for loan approval, product validation, remediation, challenged inventory, or 2nd level reviews for declined loans
- Achieved above average passing ratings on monthly file review audits with zero errors making all loans compliant and salable to investors
- Reviewed, evaluated, and synthesized data to ascertain bank operations viability, identify compliance risk issues, and potential fraud
- Compiled and delivered reports for senior leadership identifying compliance risk with internal processes and compliance control assessments on monthly basis
- Coordinated, executed, and performed audit functions to ensure compliance with regulatory policies and procedures
- Engaged in collaborative efforts with colleagues and senior management to swiftly address challenges or regulatory changes while fostering a culture of teamwork and effective problem-solving many times in a high-pressure environment
- Comprehensive ability to research data, identify risk, and provided written decision logic including any deviations from standardized controls; using independent judgment to apply necessary action
- Analyzed financial statements, cash flow, liquidity, income and asset documentation, appraisal, and title commitments, including third party reports to ensure policy is met and provided final course of action
- Provided input on new and/or existing processes, procedures, and/or best practices for retail line of business
- Responsible for implementing pilot programs, making changes to existing programs, and special projects as to train other team members nationwide
- Served as primary point of contact to resolve escalated issues by providing solutions and empathy for the clients situation
Senior Mortgage Underwriter
Contemporary Services, LLC
Jan2009 - Mar2010
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Verified integrity of applicants' information to minimize fraud
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower's creditworthiness and risk factors
- Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success
- Checked personal and team calculations to validate information and underwriting decisions
- Contributed to development of departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed
- Developed and maintained relationships with customers, lenders and other third parties
Education
Bachelor of Arts in Business Admin (BBA) -
Skills
- Regulatory Compliance
- QC Auditing
- Audit Findings
- Policy Development and Implementation
- Data Privacy
- AML, ECOA, KYC, HMDA, TILA, BSA
- Analytical Skills
- Issue Management
- Risk Analysis
- Scenario Analysis
- Strategic Communication
- Relationship Building
- Credit Analysis
- Risk Control
- Regulatory Requirements
- Data Analytics
- Wells Fargo LIS/LPS/CORE systems
- Microsoft Office
- Automated Underwriting Systems
- Exception matrix
- LexisNexis
- FHA Connection
- Google Office
- Risk Management
- Trend Analysis
- Guidelines Understanding
- Quality Assurance
- Contract Review
- Quality Control
- Loss Protection
- Data Interpretation
- Credit analysis
- Sales Support
Accomplishments
- Designations for FNMA, FHLMC, DE, USDA, Jumbo, Bond, DAP, and TX state
- Promoted 3 times to obtain the highest level of underwriting authority
- Decisioned 200+ loan applications monthly
- Achieved equity by introducing knowledge sharing sessions across a national platform
- Trained junior underwriters and cross trained team members across retail line of business
Certification
- CHUMS ID FV11
- NMLS 1524563
- Oregon State Life and Health Insurance 21071332
Timeline
Senior Underwriter - Wells Fargo
03.2010 - 08.2023
Senior Mortgage Underwriter - Contemporary Services, LLC
Jan2009 - Mar2010
Grandview College - Bachelor of Arts in Business Admin (BBA),