Deborah Whitlow-Ruffin

Richmond Heights, OH *****

ad1zi6@r.postjobfree.com

+1-216-***-****

A talented and accomplished professional with extensive experience in organization, problem solving and operating procedures. Adept at reviewing and managing various projects simultaneously. Strong customer service skills, with the ability to work with clients to meet deadlines. Expertise in data analysis and reporting. Exceptional presentation, communication and management skills. Work Experience

Substitute Teacher

Richmond Heights Public Schools - Richmond Heights, OH November 2022 to Present

Maintain the safety in security of a student inside the classroom. Follow the provider curriculum from the regular teacher to ensure the education of the students. Mortgage Underwriter III

Better Mortgage

October 2021 to December 2021

Underwriting responsibilities included: approving or denying first mortgage loans, reviewing credit, income and asset documents. Assist colleagues with processing and underwriting loans. Comply with FNMA and FHLMC guidelines.

Mortgage Underwriter III

Freedom Mortgage/RoundPoint Mortgage

January 2019 to December 2021

Review and evaluate application information according to agency guidelines. Review the following documents: income, tax returns, assets, title reports, appraisals and Condos. Approve and condition loans according to agency regulations. Clear conditions on loans and issue final approvals. Maintain pipeline in accordance to company guidelines. Communicate with all internal partners. Mortgage Underwriter III

FGMC

March 2021 to July 2021

Underwrote conventional first mortgage loans according to FNMA and FHLMC guidelines and company overlays. Reviewed all credit and property documents for loan files. Assist loan processors and loan officers with questions pertaining to scenarios for loan files. Mortgage Underwriter

Altisource

January 2016 to December 2018

Underwrite correspondent mortgage loans. Retain knowledge of current underwriting guidelines. Interpret and apply the guidelines of different investors to each loan. Review and analyze credit reports, title work, income and asset documents, and collateral reports. Provide approvals and declinations according to company and investor guidelines. Effectively communicate and provide excellent customer service to internal and external clients.

Mortgage Document Specialist

Hunter Hollis

July 2015 to November 2015

Review mortgage loan file documents to ensure bank guidelines are met and that required documentation is accurate and complete. Identify deficiencies within the loan files and contact clients in order to gather the corrected documentation. Verify underwriting and credit information within the servicing systems, to ensure the correctness of data. Review all loan to make certain that loans meet compliance guidelines. Building Substitute Teacher

Imagine Schools

February 2015 to June 2015

Fulfill both short and long-term substitute assignments across all subject areas, effectively teaching students of varied academic/age levels (grades K-8) and diverse cultural backgrounds. Instruct classes of as many as 25 students; communicate with teachers, administrators and parents; and build a positive rapport with students

Underwriter

Amerisave

January 2009 to December 2014

Underwrite wholesale first mortgage loans according to investor guidelines. Review and analyze all credit documents, title work and appraisals. Underwrite remotely, excellent time management skills and ability to work with minimal supervision. Critical thinking, problem solving, time management, review of guidelines as they apply to individual loan transactions. Underwriter

AmTrust Bank

January 2006 to December 2008

Underwrite first and second mortgage according to bank or agency guidelines. Recommend loans outside of guidelines to risk manager. Analyze financial statements, tax returns and credit documents. Underwriter

MBNA

January 2005 to December 2006

Underwrite prime and sub-prime mortgage loans, including first and second mortgages and home equity lines of credit according to guidelines. Provided exceptions for files not meeting guidelines. Review credit reports, income documents, tax returns, financial statements, appraisals and title work. Mortgage Analyst

Charter One Bank

Underwrite and process first and second mortgages. Maintain pipeline in an organized and efficient manner. Review credit reports, income documents, financial statements and appraisals. Process FHA and Education

MBA

University of Phoenix

Real estate

Hondros Career Center

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