Quality Control Loan

Denia M. Dumas

**** ******** **** ***** ********, Georgia 30087

Phone 678-***-**** Email *.*****@******.**********.***

EDUCATION

• Bachelor of Arts, Georgia State University; May 2000

PROFESSIONAL EXPERIENCE

August 2009-Present

Freddie Mac, Atlanta, GA

The Crosby Corporation

Senior Quality Control Underwriter (Contract)

• Achieved Certified Underwriting Authority

• Conduct Quality Control reviews on Non-Performing assets and perform additional in-

depth investigation work and/or research with a focus on suspected false representations.

• Conduct an expanded review of targeted loan parties using a multitude of available

databases (e.g. Lexis-Nexis, Dun & Bradstreet, Auto Track, Loss Mitigation Workstation,

Credco, etc.) and outside vendors (review appraisers, private investigators).

• Demonstrate an understanding of complex contract based terms in the proper analysis of

the investment quality of each loan.

• Initiate written communications to customers citing loan level violations (e.g. repurchase

letters).

• Maintain monthly required underwriting quota of 105 loans reviewed.

May 2005-January 2009

Branch Banking and Trust Co, Atlanta, GA

Underwriter II

• Performed quality control reviews in accordance with FNMA standards

• Conducted forensic fraud audits and investigated toxic assets i.e., first payment defaults,

foreclosures, and buyback loans.

• Underwrote mortgage loan files based on portfolio and multiple investor products via

manual underwriting practices.

• Ensured borrower qualified for financing based on overall credit worthiness, debt- to-

income calculations, section 32/high cost evaluations, VOE and VOD calculations and

review.

• Conducted appraisal and title audits and requested additional documentation to support

the proposed collateral.

• Trained processors for senior level certification and sign-off authority.

• Complied with all federal and state-specific regulations.

Denia Dumas,

Resume, page 2

December 2004-May 2005

The Clayton Group, Atlanta, GA

Due Diligence Underwriter (Contract)

• Conducted complete credit, compliance and fraud detection audits on closed loans for

purchase on the secondary market.

• Performed quality control reviews in accordance with FNMA standards.

• Re-verified borrower's employment, income and assets.

• Ensured loans did not violate federal and state compliance regulations.

• Scored loan based on investor guidelines to purchase, deny, or request additional

documentation.

July 2003-April 2004

Washington Mutual Bank, Atlanta, GA

Loan Coordinator/Underwriter

• Pre-underwrote, submitted, processed, closed and funded mortgage loans.

• Requested and verified borrower's assets.

• Cleared all conditions mandated by underwriting prior to loan closing.

• Prepared and audited closing documents for accuracy and compliance.

April 2001-July 2003

CDC Federal Credit Union, Atlanta, GA

Loan Officer

• Pre-underwrote, submitted, processed, closed and funded equity lines of credit.

• Audited closed loans for compliance.

• Serviced member banking and loan accounts.

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