Deborah S. Harris, NMLS *******

919-***-**** ad5aow@r.postjobfree.com mailto:ad5aow@r.postjobfree.com Raleigh, NC LinkedIn

Mortgage Professional

Innovative mortgage professional who excels at assessing, evaluating, and processing complex loans received that are in bankruptcy or foreclosure status. Tasked to determine if the bankruptcy or foreclosure processes and filings are on schedule and in compliance. Capable of analyzing borrower loans to determine eligibility for loss mitigation options and determine whether to accept or reject options based on review. Skilled at rehabilitating problematic loans and ensuring evaluations meet established guidelines. Skilled at preparing and reviewing documentation to ensure servicing efforts comply with applicable regulations and investor guidelines.

Core Competencies

Risk Management

Retail Lending

Basic Accounting

Title Insurance

Real Estate Transactions

Short Sales

Judicial Foreclosures

Consumer Lending

Accounts Payable

Account Reconciliation

Database Management

Customer Service

Collections

Proprietary Software

Program Management

Loan Management

Professional Experience

2023 – Present • Primeritus Financial Services Inc. • Raleigh, NC

Vendor Performance Manager

Responsible for developing and maintaining a strong agent network by building relationships through dependability, trust and compliance.

Development of regional agent network, averaging 133 agents.

Contract negotiations and execution of vendor agreements to meet compliance requirements.

Quarterly performance calls to assist agents in understanding their performance, how they can improve, set next quarterly goals, and assist with correction of issues they have.

Work with agents and key decision makers to meet and exceed expectations.

Monitor compliance of agent’s insurance policies, state licensure, lot inspections, background screenings and contractual commitments.

Collection of metrics to rationalize coverage needs, offboarding and other business decisions. Submit reports to management.

Follow up with lender clients to answer questions and concerns about cases.

Provide support to agent network with system support, training, invoice and fee request submissions, payment research and escalations.

Completion of Toyota and Honda quarterly and annual audits.

Assist with vendor management projects.

2021 – 2022 • DHI Mortgage • Raleigh, NC

Verified information provided to ensure accuracy and completeness. Partnered with the loan officer and underwriter to obtain knowledge of building schedules, loan changes and complex mortgage issues for 50 plus accounts monthly.

Assist 50 customers monthly with the loan application process by analyzing financial documents including credit reports, appraisals, tax documents, pay stubs, and other supporting income documentation.

Processed 180 closed loans worth $63 million by collecting relevant data from customers in person, by email, and over the phone to confirm loan eligibility .

Achieved a 60% loan approval rate and 98 % average customer satisfaction score by receiving and processing loan applications and retrieving documents in a timely manner.

2011 – 2020 • Wells Fargo Home Mortgage • Raleigh, NC

Bankruptcy Billing / Attorney Engagement Team Leader

Managed, approved, and declined unusual and complex attorney fee requests and escalations. Established flat fee billing line-item codes for attorney actions and hourly invoicing. Verified required legal documentation in accordance with federal, company, and investor requirements. Approved up to $5000 in hourly fees. Trained, advised, and supported staff and attorney firms on corrections to be made, federal regulation updates, processes, and technology changes.

Eliminated billing exceptions, including overbilling, inaccurate documentation, and untimely billing.

Developed quarterly workflow audits allowing the line of business to clear approximately 250+ exception invoices daily.

Served as the subject matter expert for special projects and change control processes.

Resolved investor issues quickly while meeting regulatory deadlines to avoid potential curtailments.

Achieved and surpassed a 99% accuracy rate on monthly audits.

2002 – 2011 • Real Estate Broker Fonville Morisey Howard Perry and Walston • Raleigh, NC

Broker

Oversaw all facets of transactions between buyers and sellers. Listed homes on MLS, magazines, and the agent website. Educated sellers on how to properly prepare the home for sale. Managed property showings and assisted buyers with visiting properties.

Increased visibility by sharing brokerage listings with other agents to get buyers into see homes.

Negotiated contracts and reported results / feedback of sale to the seller.

Located properties for buyers within their desired geographical area, price range, and criteria.

Additional Roles Held

Foreclosure Specialist – Trainer, First Union Mortgage, Raleigh, NC

Underwriter / Research Remediation, Wells Fargo Home Mortgage, Raleigh, NC

Loan Processor, DHI Mortgage

Education

BBA in Organizational Management, Converse College, Spartanburg, SC

Technical Skills

Microsoft Office Suite, CORE, MSP, Black Knight Loan Sphere, Encompass, Data Verify, Factual Data, QuickBooks, Ibeam, Iris, Netsuite

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