DEBRA L. DENT
Melbourne, FL 32904
*****.*.****@*****.***
SKILLS:
Working Knowledge of GEM, Sharepoint, LIV, CPS, OMNI, WebDirect
Intermediate / Advanced knowledge of MS Word, MS Excel, MS Outlook
Develop, implement and maintain multi-page Excel spreadsheets
Working knowledge of MS Access, MS PowerPoint
Working Knowledge of Lotus Notes
Working knowledge of Adobe
Schedule multi-attendee conferences and conference calls
Travel arrangements, both within the U.S. and overseas
Maintain calendars in Outlook and Lotus Notes
Compose written correspondence and reports
PROFESSIONAL EXPERIENCE:
Comprehensive Building Analysis, Inc., July 2013 – Present
Analyst / Administrative Assistant / Office Manager
Extensive online and manual research utilized in preparation of environmental Phase I and Project Capital Needs Assessment reports for multifamily loan submissions. Writes, proofreads and edits Environmental Phase I and Capital Needs reports of multifamily and healthcare properties for mortgage purchase and refinance transactions. Create, implement and maintain multipage spreadsheet models, research and report on jurisdictional building code violations. Researches and reports on Recognized Environmental concerns (RECs), floodplain, endangered species and wetlands information for each property. Maintain mailing lists, assist with production scheduling and site inspections. Maintain office supplies, direct point of contact for clients and vendors.
Wells Fargo, May 2012 – July 2013
Consumer Loan Underwriter
Initially a contract position as a member of the OCC Consent Order team; extensive analysis, research and written reporting of loan documents and procedures leading up to, during and following the foreclosure of Wells Fargo Home Mortgage loans to ensure that all procedures were appropriate and followed the prescribed timelines. Received awards for production in every quarter. I was hand-picked to become a member of the OCC teams elite Error / Harm for which members were chosen based on their ability to read and understand the nuances of a possibly deficient mortgage transaction. This position ended when Wells Fargo settled with the government; however, was then hired back by Wells Fargo as a Consumer Loan Underwriter, conducting analysis of financial documentation and other required loan documents necessary to underwrite conventional, conforming single-family mortgages using DOS-based LIS and Windows-based OMNI for loan conditioning.
Deutsche Bank Berkshire Mortgage, February 2010 – March 2011
Associate / Underwriter
Underwriter, HUD Multifamily Accelerated Processing (MAP) Program
Analysis of financials of both individuals and business entities
Loan processing / collection of all due diligence
Site inspections
Update models in MS Excel to capture financial data into a tracking system
Streamline and present weekly pipeline report
Review and update Quality Control Plan
Update loan models in MS Excel
Review and update templates in MS Word and MS Excel
Schedule multi-party conference calls and meetings in MS Outlook and Lotus Notes
Make travel arrangements for self and others to attend conferences and meetings
Compose written correspondence and technical reports
Extensive client relationships
Navy Federal Credit Union, 10/2008 – January 2010
Call Center Account Specialist (Inbound)
Assist NFCU members with their day-to-day banking and long-range financial planning activities.
Complete member banking, loan and credit card applications and transactions
Encourage members to upgrade their accounts or diversify savings (upsell)
Complete basic banking transactions (open accounts, transfer/wire funds, stop payments, etc.)
Comprehensive Building Analysis, Inc. (CBA), July 2007 – August 2008
Production Manager
Utilized existing network to contact and maintain relationships on behalf of this third party vendors;
Updated and enhanced MS Excel forms
Assisted with preparation and packaging of Environmental Phase I and Project Capital Needs Assessment reports for submission to HUD.
Branch Banking and Trust Company, September 2006 – July 2007
Retail Services Assistant
Responsible for quality assurance associated with consumer/retail loans, i.e. curing loan package deficiencies for bank branch managers to improve their reportable monthly statistics.
CapitalSource Mortgage Finance, December 2003 – September 2006
Underwriter/Analyst
Analyzed project financial statements of mortgagor entity and all principals
Processed loan due diligence per program guidelines
Underwriting of all sections of a HUD MAP loan application to include mortgage credit, capital needs, market analysis, appraisal of property versus comparables
Conducted site inspections
Extensive narrative and report writing
Written and oral communication with clients
EDUCATION:
Attended Shenandoah University, Database Systems Management
Attended Radford University (formerly Radford College)
HUD Multifamily Third Party/Underwriter Training
MBA Multifamily Inspections Workshop
MBA Appraisal 101
MBA Multifamily Underwriting
MBA Mortgage Banking Primer
Notary Public. Commonwealth of Virginia, expiry 06/2019