Customer Service High School

Denise P. McCurdy, MPA

Email: ********@******.***

Address:

City: Williamsburg

State: VA

Zip: 23185

Country: USA

Phone: 757-***-****

Skill Level: Any

Salary Range:

Primary Skills/Experience:

An experienced professional with over 13 years in the banking and mortgage industry combined. Experienced in various aspects of underwriting including due diligence, consumer lending, residential, severity management, judgmental decisioning and risk management. Excellent analytical, interpersonal, written and oral communication skills. Detail minded with intense organizational and follow through skills. Experienced in performing Pre-Funding Reviews, Quality Control Audits, HMDA Audits, DU, LP, FNMA, FHLMC Guidelines, FHA, VA, non-conforming loans, Land Loans, Construction Loans, Reverse Mortgages; Co-op's and Wholesale Loans.

Educational Background:

High School Dipolma from Liberty University, Lynchburg VA 1/2001 to 10/2012 (Executive Leadership)

High School Dipolma from Troy State University, Lynchburg VA 1/2001 to 10/2012

High School Dipolma from Southern University, Lynchburg VA 1/2001 to 10/2012

High School Dipolma from Delgado Community College, Lynchburg VA 1/2001 to 10/2012

Job History / Details:

Career Focus

An experienced professional with over 13 years in the banking and mortgage industry combined. Experienced in various aspects of underwriting including due diligence, consumer lending, residential, severity management, judgmental decisioning and risk management. Excellent analytical, interpersonal, written and oral communication skills. Detail minded with intense organizational and follow through skills. Experienced in performing Pre-Funding Reviews, Quality Control Audits, HMDA Audits, DU, LP, FNMA, FHLMC Guidelines, FHA, VA, non-conforming loans, Land Loans, Construction Loans, Reverse Mortgages; Co-op's and Wholesale Loans.

Summary of Skills

Results-oriented

Enthusiastic and assertive

Extremely organized

Team-oriented

Self-motivated

Goal driven

Certifications

Certified Master Mortgage Underwriter (NAMU-CMMU), in progress

Professional Experience

February 2012 to August 2012

SunTrust Bank/Randstad Richmond, Virginia

Senior Mortgage Underwriter (Contractor- 6 month assignment)

Responsible for re-underwriting previously closed loans against the findings from the AUS or from the underwriter's approval for manual underwrites which was used at the time the loan closed.

Used FNMA and FHLMC guidelines when needed to verify if appropriate documentation was obtained in compliance with the individual investors' guidelines.

Minimized risk of repurchase demands by performing quality assurance reviews on residential loan files.

Prepared loan files to submit to end investor and/or MI companies based on the underwriting requirements at time of origination.

Required due diligence re-underwriting and identification of missing documents based on AUS findings or manual underwrite; Contacted appropriate Line of Business (e.g., Retail, Correspondent, or Broker), as well as, the appraiser, settlement agent or Realtor to obtain missing credit documents or post close documents.

Identified and presented end investor (FNMA & FHLMC) compensating factors when necessary to prevent repurchases.

January 2009 to September 2011

Capital One Financial Corporation Richmond, Virginia

Senior Judgmental Decisioning Coordinator

Performed duties as a credit underwriter to conduct detailed research on the financial history of new and existing Capital One customers to determine their creditworthiness in rendering a decision to extend credit or decrease existing line assignments.

Underwriting decision was compared to a credit risk model to determine the effectiveness or lack a model being able to split risk appropriately.

Used various systems and applications to evaluate borrower's payment history and spending habits on existing accounts, obtain credit reports, review related account information to include any and all balances in Capital One total utilization, and view current depository relationships with the bank.

Experience in financial accounts, analysis data, and trouble shooting for a wide range of issues.

January 2007 to December 2007

Central Pacific HomeLoans CPHL Honolulu, HI

Processor Supervisor

Led, managed, and trained six processors focusing on principal accountabilities in processing and closings, pipeline management, and ensuring a high level of customer service.

Established semi-annual training, and wrote an instructional training manual on processing procedures for cooperative loans.

Administered policies and procedures for processing, automated underwriting and closings in accordance with investor guidelines and internal and regulatory requirements.

Analyzed investors' eligibility, credit requirements and made loan decisions within credit approval authority.

Managed pipeline timeliness and work flow processing, which ensured loans were processed, approved, and closed by the within required deadlines.

March 2003 to January 2007

Central Pacific HomeLoans Honolulu, HI

Senior Processor Administrator II - Underwriter

Experienced using various automated underwriting systems including; Fannie Mae, Freddie Mac, RFC, and Countrywide.

Processed VA, FHA, land loans, Co-op's, Reverse mortgages, and construction loans.

Responsible for processing, underwriting and closing conforming loans, ensuring investor's guidelines were adhered to.

Used AUS systems such as FNMA, FHLMC, Countrywide and RFC.

Lead processor for Gentry HomeLoans, a division of CPHL.

Managed a pipeline of approximately 60 a month during peak season.

Processed non-conforming loans in addition to VA, land loans, and co-op's which were submitted to Senior Underwriter's for final approval.

Experienced working with brokers to close wholesale loans.

Responsible for planning, maintaining, and managing a pipeline of residential loans.

December 2001 to December 2002

SunTrust Bank Atlanta, GA

Consumer Loan Processor

Reviewed and resolved title concerns on residential properties.

Planned, organized, and executed independent and authoritative judgment under minimal supervision.

Work closely with several departments to processed consumer loans.

January 1999 to December 2001

SunTrust Bank Atlanta, GA

Financial Service Representative

Responsible for providing superior customer service by anticipating their needs, and recommending financial services.

Opened accounts and cross sold bank products to diversify individual portfolios.

Recognized customer needs and referred to appropriate department to ensure customer satisfaction.

Education

Liberty University Lynchburg, VA

Master of Human Services

Troy State University Ft. Walton Beach, FL.

Master of Public Administration

Southern University New Orleans, LA.

Bachelor of Social Work

Delgado Community College New Orleans, LA.

Associate of General Studies

Community Service

Bethel Temple Church, Hampton, VA.

Vacational Bible School Teacher 2009- Present

Provided religious education to children ages 7-11 years old

Taught lessons to help students learn the basic tenets of their faith

Lead students in crafts or other activities to help students learn, understand and remember the theme of a lesson

Actively engaged students to re-create different events that occurred throughout the bible

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