Business Analyst Underwriter

DYVONDA PRICE

Dallas, TX 469-***-**** ***************@*****.***

PROFESSIONAL SUMMARY

Well-diverse underwriting professional specializing in evaluating and mitigating investment risk. Skilled in analyzing current performance and potential pitfalls to inform business decision-making. Expert in the consumer financial services industry that includes underwriting, modification, repayment plans, partial claims bankruptcy, loss mitigation, end to end mortgage solutions, securities, foreclosure and Risk Management & Compliance, & Business Analyst . Working knowledge of: Black Knight (MSP), LPS, Fiserv, Loan Safe, Encompass, AMQ, Meridian, compliance ease

EXPERIENCE

Consolidated Analytics/USAA

December 2022 - March 2023

Sr. Loss Mitigation QC Underwriter

Reviewed Loss Mitigation Applicants for proper procedure and compliance rules and regulation for the purpose of FHA, VA FHLMC, FNMA and GNMA

Verified if guidance was adhered to the certain waterfall per guidance.

Loan Modification and processing, underwriting and proper documentation required for the Disaster and Pandemic Rules

Wrote up deficiencies of the servicing company provided information to leadership and validated the correct procedure through the policies of Government and Risk management.

MRN Cubed LLC/Evolve Mortgage Services

September 2016 - April 2022

Sr. Quality Control Underwriter

Perform-re-underwriting of selected closed loan production, audit of origination and closing with reconciliation of CD to verify compliance with FHA, VA, USDA, FHLMC, FNMA GNMA and company guidelines.

Review, evaluate and synthesize data to confirm loan viability and salability.

Analyze loans with a variety of income and assets guideline exceptions and reconciliation of custodial accounts and determine if approval is warranted

Perform pre-funding audit of loan products to ensure compliance with policies procedures as well as investor guidelines.

Fay Servicing, LLC

July 2015 - July 2016

Loss Mitigation Underwriting Manager

Manage client portfolio according to guidelines, establish requirements and measures to ensure proactive action on loans to optimize client's financial investments such as bankruptcy, collections, and foreclosure.

Completed assigned task to ensure timelines were met according to loss mitigation and special servicing procedures.

Analyzed existing default loans to provide clients with appropriate and timely resolutions along with income calculations, evaluated decisions associated with borrower correspondence for accuracy.

Identified discrepancies for processes as they related to loss mitigation

Fannie Mae

May 2013 - March 2015

Forensic Underwriting Specialist III

Responsible for examining, reviewing, and evaluating specific files and ensuring loans meet stated guidelines in prior to funding.

Review loans with respect of compliance, with TILA-RESPA for accuracy of dates, signatures, loan amounts and notarized documents.

Performed risk analysis and decisions regarding deficiencies identified during the review process Provided quality feedback to underwriting and other business units identifying defects.

Maintained a tracking system with fraud information, claim and loan data in current loan review status.

Processed all reported fraud investigations with procedures and to a satisfactory a mutual recourse Wrote rebuttal letters to Investors to rebut cured and invalid claims.

Chase Home Loans

July 2011 - April 2013

Sr. Loss Mitigation Underwriter III

Analyzed financial statements to determine if loan modifications were the effective loss mitigation effort to effectively mitigate risk.

Underwrote loan modifications with data issues for accuracy and quality assurance.

Implemented and facilitated strategies to review errors that would increase home ownership for HAMP, GSE and non-GSE assets.

Effectively managed underwriting guidelines for FHA, VA, and USDA mortgages

Accurately recorded data and reviewed conclusions adhering to Treasury guidelines.

Saxon Mortgage

August 2010 - April 2011

Loss Mitigation Underwriter III

Distressed Assets)

Served as single point of contact for management team in executing strategies to minimize loss severity and frequency of assigned mortgage portfolio.

Loan analysis in underwriting and processing for FHA, VA, and conventional loan products

Executed, prepared, reviewed, and analyzed financial documents that preferred loss mitigation strategies in lieu of foreclosure.

Made decisions to charge-off assets and bid decisions for assets taken to foreclosure sale.

Alethes LLC, DBA Amerinet Mortgage

March 2003 - August 2008

Sr. Underwriting Branch Manager

Responsible for training, scheduling, assigning work of subordinate branch personnel of approximately 15 established opportunities within the team members to review goals & highlight personal development.

City of Dallas and Enterprise Foundation to assist with homeowner down payment solutions Attended state seminars gathering information which regulated Fannie Mae and Freddie Mac rules and compliance.

Followed up on AUS decisions on loan approvals involving FHA and Fannie Mae loans

EDUCATION

May 1983

Basics

South Oak Cliff High School, Dallas, Texas

SKILLS

Performance analysis

Business deal underwriting

Data interpretation

Economic evaluation

Risk mitigation

Decision making

Attention to detail

Securities comparison

Financial modeling

Loan Documents

Contact centers

Dispute Resolution

Professional Communication

Loan Servicing

Escrow & Insurance

Claims & Loss drafts

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