Deidre C. Cookman
Mortgage Banking / Underwriter
Eastvale,Ca
Summary
Extremely knowledgeable Mortgage Industry Professional with comprehensive experience in many areas of lending. Detailed oriented and proficient in analyzing income and credit to meet guidelines. Appraisal review to verify the collateral meets guidelines. Maintained broker base with consistent closings. Over 30 + years of mortgage experience DE UNDERWRITER VA Auto UW/SAR. Risk Management Client relations Product Training Credit Review Public Speaking, Team player, problem solver, reliable, self- motivated Managed Funding, Documents and Insuring Departments. Processed, Shipping, Final Documents, Compliance. Set up and maintained Leasehold, Condo, and Approved Appraisers.
Overview
21
21
years of professional experience
Work History
Senior Underwriter
Homebridge Financial Services
Irvine, Ca
01.2013 - 07.2022
- Responsible for analyzing risk inherent to underwriting FHA/VA and Conventional loan to determine acceptability with guidelines
- DE / VA Auto UW/ SAR Approved Underwriter
- Reviewed credit, income and appraisals with processor and loan officer to determine credit eligibility of mortgagor and to assure compliance with statutory, regulatory and administrative requirements.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Underwriting Manager
American Financial Network
Santa Ana, CA
01.2012 - 01.2013
- Responsible for analyzing risk inherent to underwriting FHA/VA and Conventional loan to determine acceptability with guidelines
- DE/VA Auto UW /Sar Approved
- Review credit, income and appraisals with processor and loan officer to determine credit eligibility of mortgagor and to assure compliance with statutory, regulatory and administrative requirements.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Worked flexible hours; night, weekend, and holiday shifts.
- Maintained energy and enthusiasm in fast-paced environment.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure
- Developed team communications and information for meetings
- Created plans and communicated deadlines to complete projects on time
- Identified issues, analyzed information and provided solutions to problems
Senior Underwriter
Westend Financial / LENOX Financial
01.2011 - 01.2012
- Responsible for analyzing risk inherent to underwriting FHA/VA and Conventional loan to determine acceptability with guidelines
- DE / VA Auto UW / Conventional Underwriter
- Responsible for reviewing financial statements, applicable ratios, credit reports, examining and evaluating transitions to certain accuracy, fraud detection techniques, report preparation, re- negotiation of loans, compliance review administration, providing performance feedback, communicating with customers, provide training and guidelines to junior staff
- Responsible for establishing the Companies VA approval in 6 weeks.
- Established training processors, loan officers and closers how to do VA loans.
Senior Underwriter
First Guaranty Financial Corp
Santa Ana, CA
01.2004 - 01.2010
- Responsible for analyzing risk inherent to underwriting FHA/VA and Conventional loan to determine acceptability with guidelines
- DE / VA Auto UW/ Approved Underwriter
- Responsible for reviewing financial statements, applicable ratios, credit reports, examining and evaluating transitions to certain accuracy, fraud detection techniques, report preparation, re- negotiation of loans, compliance review administration, providing performance feedback, communicating with customers, provide training and guidelines to junior staff.
- Sole underwriter for sales team in company wide
Senior Underwriter
Hillcrest Mortgage/ Apreva Funding
01.2002 - 01.2004
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Senior Underwriter
First Pacific Financial / Stearns
11.2000 - 01.2002
- Assisted senior executives with final loan closings and underwriting, coordination and submission of high-profile loan conversion packages.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
Education
REFRESHER- NAPMW -
LAPP Training
Corona, Ca2003
Real Estate Principles -
Rancho Santiago College
Santa Ana, CA1982
LAPP TRAINING – Dept of VA – -
VA Wilshire
Los Angeles, CA2001
DE -
HUD
Santa Ana, CA1995
Skills
- Computer applications –Encompass, Blue Sage, AIQ, Data Track, Calyx Point, Genesis, LP, DU, IDASL, Clout,
- FHLMC Guidelines
- FNMA Guidelines
- Residential Loans
- Non-Prime Markets
- Asset Statements
- Jumbo and Super Jumbo Loans
- Non-QM Markets
- Debt-to-Income Ratios
- Residual Incomes
- Application Analysis
- Loan to Value Ratio Calculations
- Deep knowledge of bankruptcy processes
- Financial transactions expertise
- Critical Thinking
- Decision-Making
Timeline
Senior Underwriter
Homebridge Financial Services
01.2013 - 07.2022
Underwriting Manager
American Financial Network
01.2012 - 01.2013
Senior Underwriter
Westend Financial / LENOX Financial
01.2011 - 01.2012
Senior Underwriter
First Guaranty Financial Corp
01.2004 - 01.2010
Senior Underwriter
Hillcrest Mortgage/ Apreva Funding
01.2002 - 01.2004
Senior Underwriter
First Pacific Financial / Stearns
11.2000 - 01.2002
REFRESHER- NAPMW -
LAPP Training
Real Estate Principles -
Rancho Santiago College
LAPP TRAINING – Dept of VA – -
VA Wilshire
DE -
HUD
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