Doug Dabney

**** ***** ***

Escondido, CA *****

619-***-**** cell

adukug@r.postjobfree.com

PROFESSIONAL PROFILE

Senior Underwriter with over 24 years of mortgage experience, including 9+ years of non-conforming Jumbo Underwriting experience. Extensive background with conventional and government loans. Certified FHA DE/VA SAR. Diversified background in Complex Underwriting, Managing Teams, Secondary Market Sales, Risk Analysis, Sales Loan Originations, Servicing, Collections and Loss Mitigation. EDUCATION

San Diego State University

Bachelor of Arts degree in Economics

FHA DE Approved Underwriter

SAR Approved VA Underwriter

EXPERIENCE

Churchill Mortgage 7/2022 – 11/2022

Senior Underwriter

Underwrote FNMA/FHLMC/VA/Jumbo/Non QM loans and appraisals for approval Reviewed CTC’s, Resubmissions, Scenarios and helped other UW’s as volume allowed Point Mortgage 2/2021 – 6/2022

Jumbo Portfolio Underwriter

Reviewed scenario requests and initial submissions for all Jumbo/Non QM Loans Worked directly with investors on any post closing items, pre approvals, or exceptions Wells Fargo Mortgage 5/2020 – 2/2021

Jumbo Portfolio Underwriter IV

$1.5 Million lending authority, UW 3-5 new loans daily, reviewed conditions for CTC Axos Bank 9/2016 – 5/2020

AVP, Special Assets Manager – 2019 - 2020

Perform Loan Reviews and Analysis on SFR and IPL loans in an $11 Billion portfolio. Provide training & oversight for Jr Credit Analysts to review loans for Foreclosure and UW Quality Managed team of collectors to collect all Unsecured, Auto, SFR and IPL loan portfolios. Total Delinquency kept under 0.85% for total $11 Billion + dollar portfolios. AVP, SFR Underwriting Manager – 2016 - 2018

Reviewed and approved FNMA/FHLMC/FHA/VA/Jumbo non-conforming underwriting loans. Lending authority of $1 Million. Loans up to $2.5 Million with investor approval. Reviewed underwriting work for all underwriters. Managed all secondary reviews for sale to investors. Trained UW’s to comply to Bank/Jumbo non-conforming investor standards. Reduced Turn Times for Newly Underwritten Files from 15+ days to less than 1 day. Reduced Clear to Close times from 2+ days to less than 4 hours. Improved relationship between Underwriting and all other departments. Instituted cross training. Directly responsible for initial UW and decisions for all employee loans, as well as Jumbo Non-Conforming Investor loan products.

MUFG Union Bank 1/2013 –9/2016

Senior Underwriter/Wholesale Jumbo Portfolio

Worked on 4-6 loans per day. $1.5 million lending authority. $3 million with 2nd signature. Provided Excellent Customer Service to all brokers and account Executives. Multiple awards for CARE for our Success from brokers, account executives and management. Provided feedback and training to all processors and new employees for new and existing loans. Top 5 producer of actual approved and closed loan volume in 2015. AIMLOAN.COM 1/2012 – 1/2013

Senior Underwriter/Underwriting Manager

Conventional DU/LP Underwriting, HARP FHLMC Relief, and DU Refi Plus Underwriting. Underwrote and reviewed 8-10 new files per day.

FHA DE Underwriter.

Managed and supervised UW department when prior manager left company. Reviewed scenarios daily with origination/processing to ensure loans structured correctly. PNC Bank 7/2010 – 1/2012

Senior Underwriter

Conventional DU/LP Underwriting, HARP FHLMC Relief, DU Refi Plus, Manual Underwriting. Underwrote and reviewed 3-5 new files per day.

Adhered to UAD and UCDP compliance requirements.

Reviewed resubmission requests, conditions, and resolution/review of appraisals. Wells Fargo Bank/Aerotek Contract 2009 – 2010

HARP Processor/underwriter (6 mo contract)

Reviewed Customer Files in order to analyze Income and Credit. Adhered to company and Investor guidelines while monitoring terms of the agreement. Constant communication and customer service with borrowers to obtain needed documents. Accredited Home Lenders, Inc. 1998 – 2008

Loss Mitigation Manager 2006 - 2008

Expanded Loss Mitigation department from 11 to 28 employees over 3 offices nationwide. Improved 60-day delinquency collection rates by 17%. Improved Foreclosure Loss Mitigation Resolutions by 10%. Designed bonus programs, w/production goals for all staff, resulting in increased output of 20-25%. Implemented new training programs, guidelines, and check lists for all Loss Mitigation Resolutions. Capital Markets Liaison/Jumbo Underwriting Exception Manager 2002 - 2006 Approved exception loan requests from all offices, both retail and wholesale nationwide.

$1 million loan authority on any property with LTV/CLTV authority to 100%. While initially responsible only for the Eastern division originations and Retail Channels, responsibilities were expanded to include all Western division originations also. Company Volume increased from $8 billion to over $16 billion during these 4 years. Trained Division management on product knowledge and available options. Consistently listed as a favorite and most informative speaker in training classes held for new employees, and management training programs.

Held position on Credit committee for formulating and revising all lending guidelines. Operations Manager 1998 - 2002

Grew team from 2 employees to 9 employees.

Grew loan volume from $2 million to over $33 million. Implemented a consistent pricing and underwriting program to become profitable. 46 consecutive months with a positive profit margin. I was involved in 3 different team splits, due to growth, and still was able to increase the number of units per employee from 4.7 up to 14.7, a 213% increase. My Teams set company records for Volume ($33 million), profitability (3.07% net percentage profit, and

$868k net dollar profit), and gross revenue (5.20%). Recognized as Manager of the month 3 times.

Senior Loan Specialist 1998

Underwrote, processed, and approved loans for funding. Worked with a Top, Million Dollar Account Executive.