Deborah L. Ballard

***** ********** **** ***** *******, CA 92313

951-***-**** adwd33@r.postjobfree.com

I am a highly self-motivated underwriter with extensive experience. I have a strong team work ethic with loan officers, processors and closing staff to assure timely closings and maintain excellent the loan quality. My strong understanding of mortgage guidelines helps assure limited fraud, agency and investor insuring issues. With a strong government, conventional and new construction back round assists both loan officers and processors.

Work Experience

Senior Loan Underwriter (Remote Flagstar Bank N.A.

12-2020 to 1-2023 5151 Corporate Dr. Troy, MI 48098

Underwrote FHA / VA Auto & LAPP / FHLMC - FNMA Conforming and High Balance / USDA / Bond Loans/ CalHFA, and New Construction loans. Coordinated all loan programs that met requirements to comply agency, lenders, investor and compliance guidelines.

Achieved and maintained strong working relationship with processors, loan officers and funders to assure timely closings.

Completed second reviews for underwriter’s training to obtain approval for VA Auto and FHA CHUMS number.

Senior Loan Underwriter (Remote PRMG

7-2019 to 12-2020 1265 Corona Pointe Ct. Ste 301, Corona, CA 92879

Underwrote FHA / VA Auto & LAPP / FHLMC - FNMA Conforming and High Balance / USDA / Bond Loans/ CalHFA, and New Construction loans. Coordinated all loan programs that met requirements to comply agency, lenders, investor and compliance guidelines.

Achieved and maintained strong working relationship with processors, loan officers and funders to assure timely closings.

Government Administrator Provident Savings Bank

10-200**-****-**** Central Avenue, Riverside, CA 92506

Oversaw and maintained all Corporate Underwriter’s with FHA / VA Auto & LAPP / FHLMC / FNMA / Reverse Mortgages / 203K signing authority.

Underwrote branch overflow and second signature loans. Supervised government underwriters and Insuring Department.

Responsible for training and maintaining the guidelines for all government products. Reviewed, trained, and issued underwriting authority for all new DE, VA Auto and LAPP underwriters.

Issued all DE, VA Auto and LAPP certifications requests with government agencies.

Maintained and issued all rebuttals for Quality Control reports to assure compliance with government agencies and investor audits.

Maintained and monitored all VA Tech reviews and HUD LRS reviews. Issued responses to government agencies and management for any agency indemnifications and issued requirements to avoid issues or mistakes on future loans.

Completed FHA audits with minimal indemnifications to the bank.

Certifications & Software

VA SAR LAPP 20+ yrs. Encompass Microsoft Word

FHA DE 20+ yrs. Empower Internet / Email

USDA 5+ yrs. Excel

CalHFA 20+ yrs.