Resume
Debra Hamerdinger
Oceanside, CA *****
ad3kel@r.postjobfree.com
Seeking Remote Position: Compliance Audit, QC Audit, Mortgage Underwriting, Risk and Loss Mitigation. I’m a problem solver.
Work Experience
Compliance Audit, QC Analysis, Loss Mitigation, Underwriting (GSE, HUD, VA, Portfolio, Nationwide Bond) QM, Non-QM
Cross Country Mortgage LLC – Brecksville, OH
July 2021 – November 2022
Conducted Analysis for Federal/State Compliance, Underwriting Quality, Salability, Bond Underwriter and Auditor.
Worked with Underwriting Department to prevent and correct salability issues.
Utilized underwriting guidelines to keep loans in line with Federal/State and Company regulations, guidelines, and standards.
Conducted comprehensive analysis and risk evaluation to control losses.
Executed sound risk and pricing decisions to achieve acceptable ratios.
Determined acceptable level of risk by working closely with Management Team.
Conducted analysis referrals to determine acceptability and appropriate of exposure.
Assisted marketing/sales, branch and underwriters by providing expertise in underwriting and related areas.
Senior Underwriter/Compliance/QC Analysis
Amnet Mortgage ESOP – San Diego, CA
October 2020 – July 2021
Utilized understanding of Underwriting Guidelines in line with Government Regulations (GSE, HUD, VA, QM and Non-QM)
Conducted comprehensive analysis and risk evaluation to control Underwriting loss and error prevention.
Exceeded production goals by assisting in the development of a strong Underwriting team.
Established acceptable risk by collaborating with Secondary and Management Teams
Appraisal and Compliance Review, Loan Modification and Payment Deferral/Realtor/Loan Officer
Self/Titanium Solutions – Oceanside, CA
September 2009 – October 2020
Performed audits in accordance with internal and external lending guidelines and regulations. Successfully rebutted Appraisal and DER (Salability Audits) in order to maintain salability of loans on Secondary.
Contacted Borrowers at risk on behalf of Wells Fargo, Chase, Citi and more to work with Loan Modifications, Deferred Payment Arrangements or Foreclosures.
Senior Underwriter/Supervisor
1990 – 2008
Chase (PFS, Retail and Wholesale)
Aegis Mortgage
PMI and RMIC
Education
Currently pursuing a Bachelors at National University – San Diego Finance
Skills
Managing Risk Agent Assistance Production-Orientation
Qualify Control Loss Mitigation
Compliance Audit Underwriting
Credit Analysis Tax Analysis
Management Process Improvement
Forecasting Business Development