Deondrea Johnson
San Antonio,TX
Summary
Highly-motivated underwriter with extensive experience in team management. Proven track record of mitigating losses and ensuring compliance. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at independent work and rapid skill acquisition.
Overview
16
16
years of professional experience
Work History
Senior Mortgage Loan Underwriter
Digital Risk
07.2020 - 04.2024
- - Utilized Conventional guidelines for underwriting residential mortgage loans ensuring appropriate credit documentation
- - Conducted data input and analysis using various systems including Loan Prospector, Desktop Underwriter, Asset wise among others
- - Identified potential fraud exposure by assessing overall risk resulting from clients' underlying business practices
- - Reviewed credit reports to determine current liabilities, outstanding judgments, collections and ensured all-win outcomes
Office Manager
Kingdom Builders
02.2018 - 07.2020
- - Managed enrollment process ensuring completion of required paperwork for new children registration
- - Assisted in budget preparation while monitoring expenses related to office supplies equipment administrative costs
- - Coordinated staff scheduling managed time-off requests maintaining organized records of children staff attendance medical records emergency contact information
Post Close Due Diligence Underwriter
Loan Logic
07.2016 - 02.2018
- - Reviewed closed loans for compliance review capturing loan data conditioning files for correctable compliance closing items aligning with company industry guidelines
- - Made final determination on recommending loan purchase based on my review LTV DTI Terms Rate Monitors timeline checkpoints met for compliance projects
Sr. Flood insurance Specialist
Bank Of America
02.2017 - 04.2017
- - Reviewed commercial corporate loan portfolios flood insurance performing operation control activities managing workload daily production adhering OCC guidelines.
Compliance Officer
FIS
01.2015 - 07.2016
- - Monitored regulatory changes impacting client products services interfacing legal counsel federal state local agencies resolving regulatory issues
- - Conducted compliance assessments provided direction deficiencies resulting scheduled product reviews
Loan Verification Analyst
Wells Fargo
01.2013 - 12.2015
- - Worked closely with attorneys Foreclosure team serving as expert witness for the company verifying documentation loan terms in legal proceedings for Fannie Mae Freddie Mac Wells Owned loans.
Consumer Loan Underwriter
Wells Fargo
03.2012 - 01.2013
- - Reviewed financial statements credit reports applicable ratios i.e
- Debt ratios loan-to-value in underwriting process ensuring accuracy thoroughness documents consistent aligning existing company industry guidelines.
Loss Mitigation Underwriter/ Team Lead
JPMorgan Chase
03.2011 - 03.2012
- - Collaborated with underwriters daily reviewing legal documents for accuracy i.e
- Deeds in Lieu foreclosure forbearance agreements suits completing monthly quality reviews establishing team goals.
Telephone Mortgage Banker
JPMorgan Chase
12.2007 - 03.2011
- - Reviewed borrower credit monthly expenses ensured borrower has escrow account set up making full Principal Interest taxes insurance payment offering loss mitigation options analyzing reasons delinquency.
Education
Bachelors Degree -
Skills
- Microsoft Office Intuit ADP Risk Assessment Compliance Reviews Fraud Detection Techniques
- Appraisal review
- Income verification
- Credit risk analysis
- Debt-to-Income Ratios
- Financial statement analysis
- Employment Verification
- Underwriting guidelines
- Asset Statements
- Residential Loans
- Residential mortgage lending regulations
- LTV Calculations
- FNMA Guidelines
Timeline
Senior Mortgage Loan Underwriter
Digital Risk
07.2020 - 04.2024
Office Manager
Kingdom Builders
02.2018 - 07.2020
Sr. Flood insurance Specialist
Bank Of America
02.2017 - 04.2017
Post Close Due Diligence Underwriter
Loan Logic
07.2016 - 02.2018
Compliance Officer
FIS
01.2015 - 07.2016
Loan Verification Analyst
Wells Fargo
01.2013 - 12.2015
Consumer Loan Underwriter
Wells Fargo
03.2012 - 01.2013
Loss Mitigation Underwriter/ Team Lead
JPMorgan Chase
03.2011 - 03.2012
Telephone Mortgage Banker
JPMorgan Chase
12.2007 - 03.2011
Bachelors Degree -
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