DEBORAH SMITH-WOOD

Littleton, CO *****

303-***-**** ad2x0e@r.postjobfree.com

www.linkedin.com/in/deborah-smith-wood-129421163

MORTGAGE UNDERWRITER

Saleable Loans Quality Customer Service Support

Top performing Underwriter with strong communication skills and an effective relationship builder with customers and teams. Ability to multitask efficiently and extensive knowledge of underwriting procedures, creditor financial analysis techniques, investor requirements. A team player consistently able to exceed volume goals and provide superior customer service. Utilized as a mentor, leader and training team members.

KEY SKILLS

Perform quality review to ensure compliance with guidelines and regulations along with due diligence review of the first and second liens, FHA, VA, CONV, NON-QM, USDA and Sub Prime. I have served as a Manager, Underwriter, Processor, Closer and QC/AML/EDD reviewer.

CAREER HIGHLIGHTS

Underwriting in the retail, wholesale, and correspondent divisions, most recently with a $2 million dollar lending authority

Review of credit and collateral documents to assure compliance, quality, integrity of every file.

Expert level underwriting

Ability to multitask and work effectively with clients, customers and team members to meet production goals.

Working daily through assigned work que and additional tasks as assigned.

Received DE - (M859) and SAR & LAPP - (009262).

Solid underwriting skills, knowledge, experience to ascertain the risk of a loan, apply applicable program policies, regulations, and analysis to make sound decisions.

20+ years of AML, EDD, KYC, BSA experience. Reviews from intermediate to complex analysis for personal and business transactions. This includes case investigation, fraud review, OFAC, LDP/GSA checks, Lexis Nexis and Dunn & Bradstreet, DORA, Secretary of State, FAFT, PEP research searches. WORK EXPERIENCE

OCMBC/LENDINGPROS 06/01/23 - PRESENT - UNDERWRITER – REMOTE FHA, VA, CONV, JUMBOS, SECONDS. ENCOMPASS, DU, LP

ARGUS EVENT STAFFING 11/22 - PRESENT - ASSOCIATE - STAFFING FOR SPORTING AND CONCERT EVENTS

FINANCE OF AMERICA 03/2020 – 11/2022 SR UNDERWRITER - REMOTE CONV, VA, FHA, JUMBO, PRIVATE INVESTORS, NON-QM, HELOC/2NDS, BYTE, AIQ, DOCVELOCITY, DU, LP.

REASON FOR LEAVING: THE COMPANY CLOSED THE RETAIL AND WHOLESALE DIVISIONS. LAID OFF

LENOX HOME LOANS 07/2019 – 3/2020 UNDERWRITER – REMOTE FHA, VA, CONV, JUMBO, USDA, LQB, DU, LP.

REASON FOR LEAVING: LACK OF WORK -

LAYOFFS

FIRST WESTERN TRUST BANK 05/2018 – 06/2019 UNDERWRITER - REMOTE FHA, VA, CONV, JUMBO, PORTFOLIO, USDA, NON QM, 2NDS, ENCOMPASS, DU, LP. REASON FOR LEAVING: REMOTE RESCINDED

FIRST DIRECT LENDING 11/28/2016 – 04/30/2018 UNDERWRITER – REMOTE FHA, VA, CONV, HELOC/2NDS, ENCOMPASS, DU, LP.

REASON FOR LEAVING: BUSINESS CLOSED WITH NO NOTICE NATIONS LENDING CORP 03/2016 –11/2016 UNDERWRITER – REMOTE FHA, VA, CONV, JUMBO, USDA, ENCOMPASS, DU, LP.

REASON FOR LEAVING: BRANCH CLOSED

LOAN DEPOT 01/2015 – 03/2016 UNDERWRITER – REMOTE

FHA, VA, CONV, EMPOWER, DU, LP.

REASON FOR LEAVING: BRANCH CLOSED

CITYWIDE HOME LOANS 08//2014 – 01/2015 UNDERWRITER – REMOTE FHA, VA, CONV, USDA, ENCOMPASS, DU, LP.

REASON FOR LEAVING: REMOTE RESCINDED

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