Mortgage Underwriter

DEBRA BIERINGER

*** **** ** *** * Northville, MI 48167 · 734-***-****

*************@*****.***

EXPERIENCE

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UNDERWRITER II

TOWNE MORTGAGE COMPANY-TROY, MI

• Underwrite and review files to ensure loans meet program and product eligibility requirements.

• Collect and analyze credit reports, financial statements, and appraisals.

• Evaluates borrower’s credit and capacity to repay the requested loan.

• Experience in automated underwriting systems to include FNMA’s Desktop Underwriter (DU) and FHLMC’s Loan Prospector (LP)

• Manages assigned pipeline; Dispositioned loans within 24-48 hours of receipt.

• Worked in specialty queue for closing updates which required quick turnaround as the loan was already cleared to close. Worked with Conventional, FHA, VA, and USDA/RD.

2/2020-12/2020

BSA COMPLIANCE OFFICER/ASSISTANT MANAGER

T & I CREDIT UNION - CLAWSON, MI

• Responsible for developing and implementing all aspects of a BSA Compliance program from the ground up.

• Identified and tracked moderate to high risk members for suspicious activity.

• Lead the Bank's deposit operations compliance.

• Coordinate with operations personnel on new account BSA/customer information compliance.

• Developed a compliance program that included appropriate risk-based procedures for conducting ongoing customer due diligence (CDD).

• Managed the CTR/SAR/MIS process for entire member bases including extreme focus on Tier One Cannabis Business Members.

• Responsible for developing training and ongoing safeguards to comply with all regulations.

1/2017-2/2020

FINANCIAL CENTER OPERATIONS MANAGER

BANK OF AMERICA - PLYMOUTH, MI

• Proficient in AML, OFAC, BSA, and all other bank regulatory compliance.

• Recognizes and reports suspicious behavior to mitigate risk and losses.

• Prepares center and associates for internal and external audits.

• File all currency transaction, monetary instrument, and suspicious transaction reports.

• Assisted in numerous fraudulent account closures.

• Ensure client data is protected from the public and secured against fraud by enforcing access rights and verification levels.

• Train and develop new and existing associates to meet all sales metrics with bank referrals being a major focus.

• Operations champion for entire market which was responsible for a weekly operations newsletter and presentation.

• Consistently exceeded customer service scorecard to become Customer Experience Center for the market.

EDUCATION

CERTIFIED MORTGAGE UNDERWRITER

MORTGAGE BANKERS ASSOCIATION/JUNE 2022

SKILLS

Encompass Underwriting Platform

Scenario Underwriting

Condo Limited/Full Reviews/CPM

Appraisal/Title Reviews

Post-Closing

Fannie Mae/Freddie Mac guidelines

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