Melissa Ayano DeBone
Davisburg, MI 48350
ad2a4l@r.postjobfree.com
OBJECTIVE
To secure a position where my analytical and management skills combined with experience, initiative and the determination to exceed performance standards can be utilized to drive growth and profitability for the company.
Additional Certifications
FHA Direct Endorsement (DE) Underwriting Designation
VA Staff Appraisal Reviewer (SAR) Designation
Projects
Quarterly AllRegs Training, Correspondent & HFA Overlay Matrix Revision, ICE/AllRegs Usage Improvement.
Education
Bachelors of Business Administration 09/1995 – 08/1999
Michigan State University, East Lansing MI
Major: International Business Minor: Japanese
Professional Experience
US Bank, NA 08/2014 – Present
Mortgage Credit Information Specialist, Officer
Hopkins, MN (Remote) 01/2019 – Present
Provides service to internal and external business partners around UW scenario and guideline clarifications for third party originators to support quality loan submission and successful purchase.
Exceeds production goals while maintaining required service level agreements.
Reviews credit policy publications and makes necessary revisions prior to release to the lenders and staff.
Serves as a team lead to coworkers when assistance is needed, aids team members in getting the right guidelines to our partners.
Assist UW production staff during peak volume to meet required turn times.
Proficient in US Bank and Investor guidelines – FNMA, FHLMC, FHA, VA, USDA, GNMA, and HFA/Bond products.
Mortgage Underwriter 3 (Correspondent/Wholesale)
Southfield, MI 08/2014 – 01/2019
Approves and/or denies loans up to 1 million and makes credit structure and loan eligibility decisions for FHA, VA, Agency and Portfolio products.
Serves as a backup to UW Manager when out of the office and acts in a leadership role to peers in office including other UWs, processors, and admins.
Assisted in cross-training 2 processors to UW positions with lending authority.
United Shore Financial Services 12/2013 – 08/2014
Senior VA Underwriter
Troy, MI
Decision wholesale, correspond, and retail VA loans in all 50 states.
Ability to exceed required production goals within 6 months while retaining excellent quality.
JPMorgan Chase Bank, NA 02/2010 – 12/2013
Senior Government Underwriter
Troy, MI
Responsible for productivity targets, while ensuring both quality and customer satisfaction.
Knowledge and proficiency in all levels of mortgage underwriting including Government, Agency, and Jumbo Lending.
LaSalle Bank, NA / Bank of America 10/1999 – 05/2008
CRA Underwriting Manager, Officer
Troy, MI 05/2005 – 05/2008
Supervise Community Reinvestment Act (CRA) operations group (including Underwriters, Processors, and Closers) to insure production goals are met. Hold regular staff meetings, and communicate policy and procedural changes to the team.
Ability to approve up to $1 million, portfolio and self-insure loans that meet within the bank’s parameters.
Processing Supervisor
Troy, MI 09/2003 – 05/2005
Developed and maintained procedures to be utilized by processing staff. Created and maintained processing reports, process workflows, and process simulations for senior management.
Coordinated workflow with supporting departments including Underwriting, Appraisal, Title, and Closing.
Senior Loan Underwriter
Troy, MI 03/2002 – 09/2003
Ensured the loan met program and product specifications or counteroffer when appropriate.
Upheld fair lending practices of the bank with sound decisions.