Debra Baker

*** ******** ***** **. *****, GA ****8

Cell: 912-***-****; ac12ly@r.postjobfree.com

Summary of Skills

• Over 10 years of mortgage closings, title and

escrow, processing, underwriting, risk and quality control experience.

• Proficient in Microsoft Word, Excel, Outlook.

• Ability to operate with minimal supervision and

handle multiple tasks at one time while meeting

stringent deadlines and monthly goals.

• Strong ability to communicate effectively both

orally and in writing.

• Strong knowledge of underwriting guidelines

Systems and requirements.

• Proven decision making and problem-solving

skills under tight timelines.

• Excellent organizational and time management

skills.

• Internal Systems experience LPM, Citiworks,

Filenet, ACES, MSP, Lenderlive, PEGA, IDI,

Agent Desktop.

Professional Experience

Citi Bank – Jacksonville, Fl.

April 2012 to Present

Credit Risk Underwriter

• Full Doc credit signing authority. DU, DE, FNMA, FHLMC

• Cosmos SME and support for project team

• Team lead and mentor.

• Underwrite-Full doc Jumbo, Non conforming, Conforming, HAR, and HARSS Loans with 99% quality.

• Analyze loans for decision based upon guidelines.

• Member of the R&R Board and Committee member.

• Trike race fundraiser/participant 2012, 2013, & 2015. JP Morgan Chase – Jacksonville, Fl.

June 2009 to April 2012

Risk Analyst

• Reviewed exit notes from MHA-C to assist validation of action plans.

• Responsible for reviewing new directives and update appropriate tests with new guidance.

• Tracked and managed action plans.

• Communicated with the lines of business to ensure task completion.

• Communicated loan decisions and deficiencies with clarity.

• Met all departmental goals for productivity, quality, and turnaround time.

• Delivered action plan testing results and assist in preparing presentations of action plans. Quality Specialist III

• Evaluated how the income was calculated and analyzed how the loan was affected due to not being underwritten within guidelines.

• Reviewed payment and collection history and overall compliance.

• Reviewed all loan documentation provided for potential fraud. Modification Underwriter

• Analyzed mortgage file, evaluated borrower's financials, manually calculated rate of pay, reviewed bank statements, tax returns and performed loan decisions by Fannie Mae, Freddie Mac, Investor and Industry guidelines keeping in compliance with all company policy and procedures.

• Determined the value of each property by means of property reports, BPO and appraisals.

• Reviewed credit report to determine customer's credit worthiness, gathered pertinent information to make a sound financial decision.

First American Title – Silverdale, WA

July 2006 to April 2008

Escrow Assistant

• Reviewed title report and cleared any conditions.

• Ordered date downs and balanced release with the lender.

• Communicated file updates to lender, broker, and real estate agents.

• Arranged signings and funding packages.

Title Assistant

• Conducted quality control reviews on title reports and recordings.

• Ordered court cases.

• Prepared supplemental reports.

• Ordered and review plat maps, taxes, property profiles, dimensions, and farm reports. Sales Representative

• Marketed and solicited products to attorneys, lenders, realtors, and builders for their escrow and title needs.

• Built relationships with clients to provide superior personalized service.

• Maintained current clients, assisted on realtor required education classes

• Promoted and recommend products and services, answered customer inquiries, and advised customers of recording and closings.

Land America Transnation – Port Orchard, WA

August 2005 to July 2006

Escrow Assistant

• Conducted signings and arrange disbursements.

• Managed files and coordinate with the escrow officer signing and funding dates.

• Corresponded with for sale by owners, realtor and lenders file statuses.

• Reviewed lender packages and set up wire approvals. First National Bank – St. Marys, GA

March 2004 to May 2005

Loan Clerk

• Processed payments on mortgages, vehicle, and personal loans.

• Ordered payoffs and recorded cleared titles

• Reviewed appraisals and flood certifications

• Completed and recorded UCC’s.

• Assisted with daily reconciliations of suspense accounts

• Managed daily transaction coding.

Education

2002 Camden County High School – Kingsland, GA

Personal

Ombudsman USS Alaska Gold

Joe Stumpf- By Referral Only Seminar

Brian Buffini

Toast Masters

Home Staging by Andy Capelutto

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