P a g e * *

Debrah L. Raybuck ad3xbe@r.postjobfree.com • 330-***-****

LinkedIn • Canton, OH, 44708

Sr. Mortgage Underwriter

Detail-oriented mortgage professional with extensive experience in the mortgage banking industry. Proven success evaluating and assessing the risk associated with approving mortgage loans (consumer, home equity, FHA, VA, and conventional), while considering factors such as borrower's credit history, income, assets, and liabilities. Adept at building credibility with various departments via communication (written and verbal), time management, decision-making, and problem- solving skills. Forward-thinking leader with strategic vision in leading and training underwriters on new company guidelines. Areas of Expertise

Mortgage Underwriting

Portfolio Risk Assessment

Team Building & Leadership

Credit & Income Analysis

Documents Review & Processing

Problems & Issues Resolution

Financial Analysis & Spreads

Regulatory Compliance

Appraisal Review & Compliance

Staff Training & Mentoring

Loan Closing Preparation

Exceptional Customer Service

Career Experience

Loan Depot, Remote Feb 2021 – Dec 2023

Mortgage Underwriter

Underwrote conventional, FHA, and VA (credit only) first mortgages in line with GSE, VA, and FHA standards. Conducted Bond and MCC loan reviews in accordance with bond guidelines. Analyzed credit, assets, income (including self-employed individuals), ability to repay, and property/appraisals, encompassing manufactured home loans. Conducted comprehensive income and asset verifications for VA loans, supporting the VA loan underwriting process.

Achieved VA credit certification while surpassing daily and monthly goals.

Secured distinguished position as top-performing underwriter in company within both production and quality metrics. Priority Mortgage Feb 2020 – Jan 2021

Mortgage Underwriter

Underwrote both conventional and FHA first mortgages as per GSE, FHA, and investor guidelines. Executed underwriting analysis for income (self-employed applicants) and assessed ability to repay. Reviewed assets and appraisals, including investment properties.

Achieved FHA DE endorsement in Oct 2020 through successful completion of Diehl FHA online training.

Completed income and asset verifications for VA loans to support VA loan underwriter. Geauga Savings Bank N/K/A Farmers National Bank, Beachwood, OH July 2017 – Jan 2020 Mortgage Underwriter / Processor

Underwrote first mortgages for Portfolio and Freddie Mac products, overseeing full appraisal, condo project, title, income, assets, and credit reviews. Managed processing of residential loan applications up to pre-closing quality control submission. Administered residential lending procedural manual for the loan operating system and handled pipeline management duties.

Established an electronic file system, trained new employees, and developed a training/procedure manual for loan operating system, transitioning from paper files as sole Underwriter. JP Morgan Chase, Cleveland, OH Oct 2016 – July 2017 Mortgage Underwriter

Conducted first mortgage underwriting to comply with Agency and JP Morgan Chase program specifications and guidelines. Analyzed and validated full document files, reviewed personal and business returns and credit reviews, ensuring compliance with investor guidelines.

Completed conventional loan training, achieving both daily and monthly goals. P a g e 2 2

Keybank, Canton, OH Apr 2012 – Oct 2016

Underwriter II

Underwrote all Keybank consumer products, covering personal and real estate secured. Trained newly acquired community bank underwriters from a recent acquisition and incorporated additional customer service requirements.

Transitioned from consumer loans to exclusive review of Home Equity lines and loans within six months.

Recognized for high-quality income and cash flow analysis, appointed to new team overseeing income reviews for all operation center underwriters.

Achieved exceptional goal quality ratings, selected to train three staff members during a buyout and merge. DBS Financial, Akron, OH Apr 2009 – Apr 2012

Senior Underwriter

Oversaw the underwriting department for a small privately held used car dealership. Managed credit decision-making, application verification, loan package audits, reporting, and supervision of department team members on a daily and monthly basis.

Enhanced efficiency and reduced delinquency by conducting research and reported on delinquency trends. Additional Experience

Branch Manager (Nov 2004 – Apr 2008)

GTE Federal Credit Union, Palm Harbor, FL

Branch Manager (Aug 2002 – Nov 2004)

Encore Bank, Clearwater, FL

Branch Manager/Unit Manager – Cuyahoga Falls (Oct 1994 – Dec 2001) Beneficial Corp/Household INT’L, Cuyahoga Falls, OH / Brandon, FL Education

Bachelor’s Degree with Major in Marketing

Kent State University, Kent, OH

Contact this candidate