Deborah Lightsey

St. Augustine, FL ***** ● ad1aai@r.postjobfree.com ● 904-***-****

Position

Proficient and results-driven Underwriter with 24+ years of experience in underwriting, fraud operations, and compliance in the mortgage and banking industry. Adept at assessing financial statements, carrying out risk assessments, and ensuring adherence to industry regulations. Skilled in leveraging critical thinking and data analysis to offer sound underwriting decisions, resulting in financial growth of the company. Proven track record of successfully managing complex projects and improving technical skills to generate effective strategies. DE certified underwriter with rich experience in working with small and large insurance companies, demonstrating a unique understanding of the market dynamics.

Skills: Underwriting, Risk Assessment, Claims Evaluation, Customer Service and Interpersonal Skills, Policy Analysis, Risk Management, Strong Analytical Skills, Decision-Making Skills, Exceptional Attention to Detail, Ability to Prioritize, Problem Resolution, Research Skills, Organizational Skills, Multitasking, Excellent Verbal and Written Communication Skills, Financial Knowledge, Negotiation Skills, Time Management Skills, Regulatory Compliance Knowledge, Underwriting Standards and Guidelines, Strong Computer Skills

Technical Skills: DataTrack, Fraud Guard, Impact, Edge, StatusMart, various AUS systems, Microsoft Office Package, Internet Explorer, Company-specific applications

PROFESSIONAL EXPERIENCE

Underwriter IV

Plaza Home Mortgage, Jacksonville, FL 05/2013 – 10/2023

As a FHA Mortgage Underwriter of residential loans, ensure determining loan decision and compliance with appropriate company, state / federal, and secondary market investor standards

Prepare reports of the assessment findings and examine loan documentation for accuracy and completeness

Review and indicate loan conditions if required

Work with loan originator, production staff to secure all required documents

Analyze and verify loan applications, assess financial risks, and make final decisions regarding applicants’ eligibility

Cooperate with a team of financial experts to identify the applicants’ qualifications to either accept or decline a variety of loans

Document and report on the reasons for the rejection or approval of loans

Ensure adherence to company policies, guidelines, and regulatory standards

Sr. Underwriter

PNC Mortgage, Jacksonville, FL 03/2012 – 11/2012

Properly evaluated and analyzed the background information of the client

Used professional strategies and techniques to estimate the risks related to client policies

Verified the accuracy of the financial, appraisal, employment, and down payment documentation

Reviewed documentation for adherence to regulatory and internal guidelines

Took continuing education courses to stay competitive and knowledgeable in the field

Organized meetings with specialists to implement risk assessment in unique cases

Reps & Warrants Auditor 2

Bank of America, Jacksonville, FL 03/2011 – 03/2012

Reviewed repurchase request letter from GSE (Government sponsored enterprises /Freddie Mac or Fannie Mae) to determine if the GSE had a valid claim requiring the loan to be repurchased

Recorded, reviewed, and interpreted data to identify the efficiency of operations

Researched operational problems, discrepancies, and other issues

Reviewed the loan file, researched citing, and wrote appeal or approved loan for repurchase

Analyzed records, receipts, reports, and other documentation and compared them to the company liabilities and assets

Created reports and presented findings to the management team

DE Mortgage Underwriter

Bank of America, Jacksonville, FL 03/2009 – 03/2011

Authorized and underwrote loans

Reviewed and verified loan applications and supporting documents for accuracy and completeness

Analyzed loan risk and requested additional information if required

Ensured compliance with mortgage regulations, requirements, and policies

Approved, discontinued, or denied mortgage loan applications on the basis of analysis and risk assessment

Prepared loan applications reports and suggestions for denial or approval

Fraud Analyst II

JP Morgan Chase Works, Jacksonville, FL 12/2008 – 02/2009

JP Morgan Chase (Contract through CSI), Jacksonville, FL 07/2008 – 12/2008

Analyzed correspondent loans for the accuracy and quality of the appraised property value

Communicated the risk grade applied to the loan along with any other findings to assure the quality of the loan to be purchased

Provided detailed reports to relevant stakeholders on the suspected cases of fraud

Worked on the Fraud Management System reviewing pre-funded loans for accuracy of the appraised value

Communicated any needed information to the appropriate channels for quality assurance

Reviewed post funded loans from the Risk Management Value department

Evaluated History Pro report, original appraisal, final application, and any other relevant reports supplied to evaluate the value of subject property at time of funding

Reviewed post funded loans from Quality Assurance or Early Payment Default department

Evaluated the accuracy and quality of the loan

Offered recommendations to minimize and prevent fraud

Manufacturing Quality Support Underwriter II

Countrywide Bank, Jacksonville, FL 09/2007 – 06/2008

Reviewed loans for quality of the income, appraisal, assets, credit, and guideline accuracy for conventional and government teams

Implemented compliance audit of HUD1 for all mortgage transactions

Created and trained center work staff on compliance issues, involving various fraud detection programs and verifying all required HMDA regulations

Reviewed Corporate Quality Control reports in reference to HMDA, T&L, RESPA, and other compliance errors for center

Researched Quality Control error reports, which consisted of reevaluating loan documents in file, research for possible fraud and assets documentation found due to guideline or underwriting errors

Monitored the center’s pipeline on a daily basis to assure quality and verify all loans were in compliance

Verified and updated guideline changes to insure sell-ability of loan

Underwriter II

Countrywide Bank, Jacksonville, FL 08/2003 – 09/2007

Evaluated all documentation in file, including appraisal, income documentation, credit report, and asset documentation, verifying loan met all current guidelines

Checked detail condition which needed to be met prior to loan closing

Received Underwriter III approval level authority of $700,000

Reviewed borrower’s loan to insure completeness, quality information, and compliance of loan application

Regularly communicated with Processors, Title Companies, Appraisers, Account executives, and Broker to assure a thorough understanding of loan status

Determined the degree of risk related to an investment or person

Referred accounts outside of the assigned underwriting responsibilities with the information and included the recommended course of action

Branch Manager

CitiFinancial, Jacksonville, FL 09/1998 – 06/2002

Responsible for the overall financial branch operations and production, which required a complete understanding of the financial and banking industry

Responsible for driving successful branch targets and developing a productive sales team through mentoring and coaching

Managed daily activities of branch of sales production, sales activities, and customer satisfaction

Developed necessary report and documentation of leadership team

Interacted with clients on and advanced level regarding sales activities, account information, procedures, systems, and the expanding range of financial service products

Assisted Florida State Compliance Department with all necessary documentation to perform audit processes semi-annually

Audited all loans for compliance prior to closing and after closing

Conducted drive by appraisals for home equity loans not requiring full appraisals

EDUCATION

Degree in

University, City, State Year

Public Education

Miami Sunset High School, Miami, FL 1983

CERTIFICATES

Name of the Certificate

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