Deidra Paris
Summary
Highly skilled Mortgage Underwriter with over 25yrs in the mortgage industry and proven expertise in credit and overall risk analysis. Maintains consistent pipelines and provides quick turnaround times with quality credit decisions.
Overview
25
25
years of professional experience
Work History
Underwriter III
CARDINAL FINANCIAL, LTD
Jacksonville, Florida
05.2019 - 10.2023
- Expert knowledge of Federal Housing Authority (FHA), Fannie Mae (FNMA), Freddie Mac (FHLMC), guidelines, policies, procedures, guidelines, and risk assessment tools used to decision mortgage loans
- Communication with all internal and external counterparties as needed to ensure all parties are aware of loan status and any outstanding requirements
- Experience in underwriting many loan types & programs such as Manufactured Homes, One Time Close, Build on your own land, Jumbo, Texas A6/A4 loans, DPA programs in multiple states, as well as Agency and Lender funded programs.
Analyst/ Auditor (Contract)
AMC First
Jacksonville, Florida
01.2019 - 05.2019
- Complete credit re-underwrite on all loan files pursuant to AUS findings or manual loan approvals
- Analysis of property appraisal / income/ credit / assets to determine that they are acceptable to appropriate investor guidelines
- Enter defined loan data into Quality Control system
- Complete review of all closing documents and disclosures on all loan files
- Analysis of Note, Mortgage, and Assignment with emphasis on accuracy
- Check file for all required disclosures/ legal documents
- Perform appropriate High Cost, APR, Amount Financed, and State Predatory tests in the Compliance Review system
- Assign a loan grading pursuant to the severity and type of the loan deficiency with an emphasis on overall investor risk.
Mortgage Underwriter (Remote)
RP Funding
Jacksonville, FL
08.2015 - 12.2018
- Underwrite loan files according to FNMA/FHLMC standards
- Examined loan documentation for accuracy and completeness and worked with management and processing departments to ensure that all required documents were satisfactory and secured
- Sound analytical skills in analysis of loan risk information
- Excellent verbal and written communication, as well as interpersonal skills
- Worked with Quality Management team on closed loans to ensure salability to appropriate agency
- FHA knowledge.
Remote Mortgage Ops Exception Underwriter
PNC Mortgage
Jacksonville, FL
08.2012 - 08.2015
- Review highly complex residential mortgage transactions for retention in accordance with PNC Balance Sheet Product Offerings
- Maintain 2 MM lending authority and 1MM exception granting authority
- Review conditions and residential appraisals associated with these product offerings
- Maintain phone contact with internal and external customers as required to facilitate the review of application
- Review loan submissions submitted from production and generated an initial credit decision in alignment with published guidelines and internal credit overlays per bank policy
- Document credit stipulations aligned with the credit decision for the processor to obtain and clear in the loan origination system
- Maintain 2MM portfolio underwriting authority
- Authorized to underwrite conforming, jumbo and all other advanced credit decisions, including manual underwriting, noted in credit policy
- Sound analytical skills in analysis of loan risk information
- Excellent verbal and written communication, as well as interpersonal skills
- Document and communicate to originators, processors, closers, and customer service personnel to assist each in qualifying loans.
Residential Mortgage Underwriter
Wells Fargo
Jacksonville, FL
09.2011 - 08.2012
- Lending authority up to 1.MM FNMA /FHLMC proficient
- Expert knowledge of personal tax returns, business tax returns and financials
- Expertise in analyzing income documents, performing cash flows, assessing credit risk and loss exposure on a consumer basis
- Ability to underwrite high risk jumbo loan products
- Appraisal review knowledge
- Proven communication skills with Sr
- Management as well as with other fulfillment departments and outside agent offices.
Residential Mortgage Underwriter
PHH Mortgage
Jacksonville, FL
12.2009 - 05.2011
- Underwrite loan files according to FNMA/FHLMC standards as well as private-label company's loan program standards
- Examined loan documentation for accuracy and completeness and worked with origination and processing departments to ensure that all required documents were secured
- Provided training and direction for the company's newly hired employees
- Performed due-diligence on loans listed on investor audit reports; rectified any investor issues to ensure the loan's salability
- Proficient in digital imaging loan files as well as traditional paper file underwriting.
Education
HS Diploma -
Wolfson Sr. High School
Jacksonville, Florida06.1991
Skills
- Advanced knowledge of Microsoft Office software
- Ability to work under pressure
- Excellent time management
- Excellent communication skills- both written and verbal
- Highly confident in Credit Risk decision making
- Problem solving
- Proficient with automated underwriting software
Timeline
Underwriter III
CARDINAL FINANCIAL, LTD
05.2019 - 10.2023
Analyst/ Auditor (Contract)
AMC First
01.2019 - 05.2019
Mortgage Underwriter (Remote)
RP Funding
08.2015 - 12.2018
Remote Mortgage Ops Exception Underwriter
PNC Mortgage
08.2012 - 08.2015
Residential Mortgage Underwriter
Wells Fargo
09.2011 - 08.2012
Residential Mortgage Underwriter
PHH Mortgage
12.2009 - 05.2011
HS Diploma -
Wolfson Sr. High School