DEBRA NIVEN

**** ******* ******, ********, ** *0713 562-***-**** acqsa2@r.postjobfree.com

SUMMARY

Employed by major mortgage banking companies as loan processor, processing manager and related positions. Over twenty years of experience includes processing conventional, government, bond loans, and underwriting. Also worked as a licensed realtor in the State of New Jersey. Loan types processed: Conventional, FHA/VA, Jumbo, Bankruptcy, Self-employed, ReFi, Purchase and Bond. Processed between 35 and 50 loans per month; 35 – 40 average closes per month.

COMPUTER SKILLS / CERTIFICATIONS

Experience with Calyx, AUS (LP, DU, Scorecard), FHA Connection, LAPP, Microsoft Word, and basic Microsoft Excel

Certifications (ID # 1358884)

oAdvanced Processing – “Real World Lessons” (Loan Processor University)

oLoan Processing 101 “The Basics” (Loan Processor University)

oFHA/VA Processing “For Processors” (FHA Online University)

oTax Return Analysis Workshop (Mortgage University)

oMortgage Underwriter 101 – “The Essentials” (Mortgage Underwriter University)

EXPERIENCE

2009 - 2011

Contract Loan Processor, Turnkey and Nationwide, Lakewood, CA

Processed mortgage loan for various contracts.

2007 - 2008

Compliance Assistant, Atlantic Bay Mortgage Group, Virginia Beach, VA

Reviewed pre-closing applications for proper documentation, data integrity and state and regulatory compliance. Review, process and mail adverse action to borrower and Loan Officer.

Guaranteed complete post-closing documentation for purchase from the investor.

2003 - 2007

Senior Loan Processor, Hometown Mortgage, Virginia Beach, VA

Processed application from opening to funding.

Administrative Assistant to Branch Manager and Loan Officers.

1998 - 2003

Senior Loan Processor for EVP, Numerica Funding, Virginia Beach, VA

Processed application from opening to funding, including FHA, VA, and Conventional loans.

Administrative Assistant to Executive Vice President and Loan Officers.

1997 - 1998

Sales Associate, Weichert Realty, Marlton, NJ

Award: “Rookie of the Year” in 1997

1997 - 1998

Junior Underwriter, PHH Mortgage, Cherry Hill, NJ

Credit Union Division.

Reviewed and approved underwriting conditions necessary for committee review.

1992 - 1998

Senior Processor and Assistant Office Manager, B.F. Saul, Springfield and Reston, VA

Processed new construction loans for exclusive Ashburn development.

Supervised FHA, VA, and Conventional loans submitted to corporate for underwriting and closing.

1983 - 1992

Processing Supervisor, Bank1 / Weaver Brothers, Bethesda, MD

Trained and managed team of processors.

EDUCATION

1977

BA in Political Science and Economics (double major), Mary Washington University

1979

University of Virginia Law School (one year)

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