Debra Lea Jordan

**** ******* ****** **** 817-***-****

Royse City, TX 75189 http://www.linkedin.com/pub/debra-jordan/2/a83/a76 adxsez@r.postjobfree.com

PROFILE

Mortgage lending professional with extensive experience and proven track record in quality assurance and auditing. 20+ years Home Real Estate Lending Mortgage Experience. 20+ years Case Management experience. 20 years Investigator experience. Special expertise in government underwriting, investigative research, and fraud investigation using internal and external software resources.

SKILLS:

Mortgage Software: Various **Encompass, **ACES, Blend, Empower, Contour, Edge, MRN3, FiTech, MORTRAC, QAS (Quality Assurance System), and FCMS (Fraud Case Management System), CORE, LIS, Byte Pro, SunTrust Empower, FiServ servicing, etc.

Microsoft Outlook; Microsoft Office: **Excel, **Outlook, Access, PowerPoint.

Underwriter - Manual/AUS: DU/LPA CONV / FHA / VA / Bond Programs

LexisNexis, Accurint, Quantum, Calyx Point, DARTS & TRAX, DataTrac, CORE, LIS, ERLMF, MSP, FHA Connection, ATS, SLoaD, DataVerify, DRIVE, LoanSafe

Fraud Investigation, Due Diligence, Forensic Underwriting, AML, Quality Control, Scratch/Dent, Underwriting: Frontline, Prime/Conforming, Sub-Prime, Non-Conforming, FHA/VA, New Construction & Existing Residential Properties; Customer Service Skills

PROFESSIONAL EXPERIENCE

CrossCountry Mortgage, LLC, Brecksville, OH March 2021 – Layoff Oct 2022

Type of Business: Mortgage Real Estate Lender

Quality Control Underwriter: CONV/FHA/VA, Bond Programs, Construction Purchase-Refinance, Home Equity

*REMOTE* Managed Loan Pipeline. Prioritized workload. Completely Re-Underwrote approved mortgage loans, validating compliance with all agency loan guidelines, regulatory requirements, and procedures. AML review. Performed pre-funding reviews of assigned samples of live loan files uploaded by CCM Underwriters to ensure each loan is in compliance with all agency loan guidelines, regulatory requirements, internal Company policies and procedures, met Agency Quality Control requirements, and review was conducted in accordance with CCM QC Plan. Analyze Real Estate Lending practices and examine loan documentation. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues and complete review for any Fraud Issues. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Complete review for any Fraud Issues. Prepared reports of pre-funding re-examination results, containing feedback of each loan review at time of completion and provided to the applicable Underwriter within stated service levels. Assisted the QC Manager with projects as needed. Attended relevant loan underwriting, credit analysis, or loan program industry training. Prepared a report of monthly findings as needed. Performed risk analysis and made decision regarding deficiencies identified during the review process. Identified transaction components that indicate a potential for fraud and performed sufficient investigative work to resolve issues that are identified. Proficient in identifying misrepresentation/fraud throughout process.

Geneva Financial, LLC, Chandler, AZ Dec 2020 – March 2021

Type of Business: Mortgage Real Estate Lender

Corporate Underwriter, Bond Programs, Construction Purchase-Refinance, Home Equity

*REMOTE* Managed Loan Pipeline. Prioritized workload. Underwrite CONV, VA, & FHA Streamline, Rate & Term/Cash out Refinance and Purchase mortgage loans, Bond Programs; Underwrite newly originated, processed loans from various clients to specific agency and client guidelines and overlays, including thorough review of income, asset, appraisal, credit and other file components, application of loan conditions and subsequent review of trailing documents submitted to clear. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Review and analyze appraisal to ensure liability and stability of property and inclusive of appraisal/property evaluation for compliance requirements. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues. AML review. Review and clear all submitted loan conditions, add any needed. Issue CTC. Strong attention to detail with excellent written and verbal communication skills and the ability to explain reasons behind findings in a non-confrontational manner. Proficient in identifying misrepresentation/fraud throughout process.

Evolve Mortgage Services, LLC, Frisco, TX July 2019 – Dec 2020

Type of Business: Mortgage Real Estate Contractor

Contractor TDOC Underwriter – Contractor - CONV/FHA/VA, Bond Programs, Construction Purchase-Refinance, Home Equity

*REMOTE* Managed Loan Pipeline. Prioritized workload. Completely Re-Underwrite newly originated, approved, processed loans from various clients to specific agency and client guidelines and overlays, including thorough review of income, asset, appraisal, credit and other file components, application of loan conditions and subsequent review of trailing documents submitted to clear. Processed/worked repurchase rebuttals, especially Fannie Mae). Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues. AML review. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Review and clear all submitted loan conditions, add any needed. Issue CTC. Performed risk analysis and made decision regarding deficiencies identified during the review process; Identified transaction components that indicate a potential for fraud and performed sufficient investigative work to resolve issues that are identified. Proficient in identifying misrepresentation/fraud throughout process.

Lennar Mortgage, LLC Formerly Eagle Home Mortgage LLC, Universal American Mortgage Company, Houston, TX June 2015 – Jan 2019

Type of Business: Mortgage Real Estate Lender

Underwriter II, CONV/FHA/VA, Bond Programs, Construction Purchase-Refinance, Home Equity

*REMOTE* Managed Loan Pipeline. Prioritized workload. Underwrite “unprocessed” CONV & FHA VA Streamline, Rate & Term/Cash out Refinance and Purchase mortgage loans and Bond Programs newly originated, unprocessed loans from various clients. Underwrite newly originated loans from various clients to specific agency and client guidelines and overlays, including thorough review of income, asset, appraisal, credit and other file components, application of loan conditions and subsequent review of trailing documents submitted to clear. Render decisions of at least four new loans per day. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues. Use of automated underwriting systems in determining risk, salability and reduced documentation for borrowers and review of data accuracy. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Clear, concise conditioning of loans. Review and analyze appraisal to insure liability and stability of property and inclusive of appraisal/property evaluation for compliance requirement. AML review. Complete review for any Fraud Issues. Review and clear all submitted loan conditions, add any needed. Performed risk analysis and made decision regarding deficiencies identified during the review process. Identified transaction components for a potential for fraud and performed sufficient investigative work to resolve issues that are identified. Issued SAR Reports. Issue CTC. Mentor processing staff on underwriting deficiencies and calculation errors. Proficient in identifying misrepresentation/fraud throughout process.

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Sutherland Mortgage Services, Inc., SunTrust Mortgage Platform, Houston, TX Apr 2015 – June 2015

Type of Business: Mortgage Real Estate Broker

CONV Sr. Underwriter III, Bond Programs, Construction Purchase-Refinance, Home Equity

Managed Loan Pipeline. Prioritized workload. Underwrote CONV Streamline/Rate & Term/Cash out Refinance and Purchase mortgage loans. SunTrust Mortgage Platform. Provide approval to mortgage lender/broker/correspondent or decline for appropriate reasons. Responsible for approval/decline decisions on incoming

applications consistent with internal, client and investor policies. Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process on each mortgage application, as presented by the broker. Review and analyze appraisal to insure liability and stability of property and inclusive of appraisal/property evaluation for compliance requirements. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. AML Review. Apply internal guidelines and investor guidelines to the credit decision process. Using the underwriting system, input: selected conditions, credit information, property details, and borrower information. Review documentation for compliance with internal and regulatory guidelines. Review and clear stipulations/conditions. Correspond with processors to attain outstanding documentation needed to complete requirements as stipulated on the commitment. Proficient in identifying misrepresentation/fraud throughout process.

Pinnacle Capital Mortgage Corporation, Folsom, CA Sept 2014 – Apr 2015

Type of Business: Mortgage Real Estate Lender

Underwriter III, Bond Programs, CONV/FHA/VA, Construction Purchase-Refinance, Home Equity

Managed Loan Pipeline. Prioritized workload. Underwrote newly originated loans from various clients to specific agency and client guidelines and overlays, including thorough review of income, asset, appraisal, credit and other file components, application of loan conditions and subsequent review of trailing documents submitted to clear. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues. AML Review. Determine whether or not to approve mortgage loans based on information provided in loan applications. Verify income and employment information. Review credit history and calculate the value of borrower’s collateral and assets. Ensure that the property specifications and loan terms meet financial institution requirements and government regulations. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. AML Review. Document the reasons for approval or denial of the loan and add the documentation to the loan file. Review and clear all submitted loan conditions, add any needed. Issue CTC. Proficient in identifying misrepresentation/fraud throughout process.

Wells Fargo Home Mortgage, Tempe, AZ Aug 2012 – Layoff Apr 2014

Type of Business: Mortgage Real Estate Lender

Consumer Mortgage Loan Underwriter III, CONV/FHA/VA, Purchase-Refinance Bond Programs, Construction, Home Equity; Default Decisioning/FHA Loss Mitigation Underwriter

Mortgage Underwriter: Managed Loan Pipeline. Prioritized workload. Underwrote CONV & FHA VA Streamline, Rate & Term/Cash out Refinance and Purchase mortgage loans, Bond Programs. Review complex financial statements, credit reports, and applicable ratios (i.e., Debt ratios, loan-to-value); evaluate; examine transactions to ensure accuracy and completeness; prepare formal reports for review, insuring that documents are consistent and uphold to company and industry guidelines. Review and analyze appraisal to insure liability and stability of property and inclusive of appraisal/property evaluation for compliance requirements. Review and clear stipulations/conditions. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues. AML Review. Implement fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Contacted customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products. Performed risk analysis and made decision regarding deficiencies identified during the review process. Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified. Issued SAR Reports. Proficient in identifying misrepresentation/fraud throughout process.

Loss Mitigation: Managed Loan Pipeline. Prioritized workload. Review and analyze borrowers’ financial documents, including financial statements, hardship letters, tax returns, bank statements, pay stubs, profit and loss statements, awards letters, and credit bureau reports. Analyze borrowers’ ability to afford a loan modification based on documented income, assets, and monthly obligations and expenditures. Determine borrower eligibility for loss mitigation workouts based on proprietary, GSE, HUD, and MHA/HAMP criteria. Calculate modification principal balance capitalization for approved retention options, taking into account past-due interest, escrow, and 3rd party advances. Run a pro forma escrow analysis to ensure proper modification of escrow payment calculations. Responsible for documenting the MSP Director Premier Loss Mitigation Workstation (notes, steps), generating appropriate letters and/or tasks, as well as adding documentation to Meridian/Doc Velocity to substantiate the loss mitigation decision made for each account. Maintain strict adherence to all client guidelines, state and federal laws, and regulatory requirements, including compliance policies and timelines. Establish a strong working relationship with other departments and establish lines of communication. Complete review for any Fraud Issues. AML Review. KYC. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Proficient in identifying misrepresentation/fraud throughout process.

Flagstar Bank, FSB, Dallas, TX 2012

Type of Business: Mortgage Real Estate Lending/Servicing

Government Underwriter III, CONV/FHA/VA, Bond Programs, Construction Purchase-Refinance, Home Equity

Managed Loan Pipeline. Prioritized workload. Underwrite newly originated CONV FHA VA Streamline/Rate & Term/Cash out Refinance and Purchase mortgage loans from various clients to specific agency and client guidelines and overlays, including thorough review of income, asset, appraisal, credit and other file components, application of loan conditions and subsequent review of trailing documents submitted to clear. Complete review for any Fraud Issues. Analyze Real Estate Lending practices and examine loan documentation. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues. AML Review. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Determine whether or not to approve mortgage loans based on information provided in loan applications. Verify income and employment information. Review credit history and calculate the value of borrower’s collateral and assets. Ensure that the property specifications and loan terms meet financial institution requirements and government regulations. Reviews Automated Underwriting System (AUS) findings for accuracy and completeness. Document the reasons for approval or denial of the loan and add the documentation to the loan file. Review and clear all submitted loan conditions, add any needed. Issue CTC. Provide approval to mortgage lender/broker/correspondent or decline for appropriate reasons. Proficient in identifying misrepresentation/fraud throughout process.

CitiMortgage, Inc., Irving, TX 2012

Type of Business: Mortgage Lending/Servicing

Mortgage Repurchase Sr. Coordinator (Repurchase Rebuttals) ALL Loan Types

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Case Management: Managed cases to ensure prompt completion of each Investigation. Managed Loan Pipeline. Prioritized workload. Acted as the liaison between

the First Mortgage Businesses and/or Home Equity and Third-Party Originators in connection with all repurchase activity. Processed/worked repurchase rebuttals, especially Fannie Mae. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues and complete review for any Fraud Issues. AML Review. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Negotiate complex repurchase/settlement transactions with originators and investors to minimize losses and mitigate exposure to CitiGroup. Promote and defend Citi's position with respect to the breach reasons, and to make recommendations for resolution. Act as Citi's representative in creditors' committees, depositions, mediations, and other legal proceedings. Coordinate loan repurchase process on behalf of Citi Home Equity and/or CitiMortgage to minimize losses. Provide training to others as needed to identify and document salability/fraud issues. Proficient in identifying misrepresentation/Fraud/Elder Fraud throughout process.

Fannie Mae, Dallas, TX March 2011 – Layoff December 2011

Type of Business: Mortgage Real Estate Insurer

Mortgage Fraud Investigator III, Mortgage Fraud Department (Full mortgage fraud research/investigation, issuance of Repurchase Demands to Lenders) ALL Loan Types

Case Management: Managed cases to ensure prompt completion of each Investigation. Lead. Managed Loan Pipeline. Prioritized workload. Reviewed closed loans for eligibility with respect to Fannie Mae’s Selling Guide, DU Guide, and/or negotiated terms as defined by contracts with Fannie Mae’s lender partners. Analyze Real Estate Lending practices and examine loan documentation thoroughly. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Performed risk analysis and made decision regarding deficiencies identified during the review process. Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends and complete review for any Fraud Issues. Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified. Accurately recorded data and review conclusions in QAS (Quality Assurance System). AML. Professionally communicated the results of file reviews both verbally and in written format to internal and external customers; Maintained a sound knowledge of FNMA guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans. Maintained a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity. In-depth knowledge of FNMA underwriting and quality control guidelines. Performed in-depth telephonic borrower interviews relating to each borrower specific loan criteria. Issued repurchase letters. Strong analytical, problem solving, and negotiation skills in performing rebuttal responses to lenders to reaffirm or resolve repurchase demands. Apply comprehensive knowledge of mortgage fraud schemes. Operate with considerable latitude to substantiate suspicion of fraud relating to single or multifamily originations, servicing or REO, and other frauds involving Fannie Mae financial instruments. AML Review. Perform highly complex duties related to planning, conducting, and documenting inquiries into allegations of mortgage fraud. Reconcile fraud risk or recommend investigation. Utilize wide-ranging experience to conduct research and problem-solving on highly significant matters. Prepare and review complex reports. Assessed complex allegations of mortgage fraud, including fraud related to the origination, processing and underwriting of loans, and sale and servicing of a loan or REO property. Investigations related to single family or multifamily properties. Resolve conflicts between allegations and facts. Analyzed and evaluated investigative progress to reassess priorities, leads, and direction based on predetermined goals and objectives. Assessed and discerned patterns in mortgage fraud referrals. Prepared investigative reports and statistical data in accordance with established policies and procedures. Performed highly complex projects or participated as a team member on projects at the highest level of complexity. Issued repurchase demands. Proficient in identifying misrepresentation/Fraud/Elder Fraud throughout process. *Big case that I performed ALL the investigative research was James Delbert McConville in CA.

Innova Solutions formerly SyApps LLC, Herndon, VA 2008 – 2011

Type of Business: Mortgage Contractor

Mortgage Fraud Investigator III, Fannie Mae Mortgage Fraud Department (Full mortgage fraud research, issuance of repurchase demands) ALL Loan Types

Contract Position-1st Contractor Mortgage Fraud Investigator at Fannie Mae Dallas, TX. Case Management: Managed cases to ensure prompt completion of each Investigation. Managed Loan Pipeline. Prioritized workload. Reviewed closed loans for eligibility with respect to Fannie Mae’s Selling Guide, DU Guide, and/or negotiated terms as defined by contracts with Fannie Mae’s lender partners. Analyze Real Estate Lending practices and examine loan documentation thoroughly. Review Automated Underwriting System (AUS) findings for accuracy and completeness. Manual review and approval of loans that do not receive automated approval. Complete review for any Fraud Issues. Performed risk analysis and made decision regarding deficiencies identified during the review process. Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified. Accurately recorded data and review conclusions in QAS (Quality Assurance System). Perform Quality Control (QC) reviews and evaluations of identified scenarios to determine accuracy and trends. AML. KYC. Professionally communicated the results of file reviews both verbally and in written format to internal and external customers; Maintained a sound knowledge of FNMA guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans. Maintained a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity. In-depth knowledge of FNMA underwriting and quality control guidelines. Performed in-depth telephonic borrower interviews relating to each borrower specific loan criteria. Issued repurchase letters. Strong analytical, problem solving, and negotiation skills in performing rebuttal responses to lenders to reaffirm or resolve repurchase demands. Apply comprehensive knowledge of mortgage fraud schemes. Operate with considerable latitude to substantiate suspicion of fraud relating to single or multifamily originations, servicing or REO, and other frauds involving Fannie Mae financial instruments. AML Review. Perform highly complex duties related to planning, conducting, and documenting inquiries into allegations of mortgage fraud. Reconcile fraud risk or recommend investigation. Utilize wide-ranging experience to conduct research and problem-solving on highly significant matters. Prepare and review complex reports. Assessed complex allegations of mortgage fraud, including fraud related to the origination, processing and underwriting of loans, and sale and servicing of a loan or REO property. Investigations related to single family or multifamily properties. Resolve conflicts between allegations and facts. Analyzed and evaluated investigative progress to reassess priorities, leads, and direction based on predetermined goals and objectives. Assessed and discerned patterns in mortgage fraud referrals. Prepared investigative reports and statistical data in accordance with established policies and procedures. Performed highly complex projects or participated as a team member on projects at the highest level of complexity. Issued repurchase demands. Proficient in identifying misrepresentation/Fraud/Elder Fraud throughout process. *Big case that I performed ALL the investigative research was James Delbert McConville in CA.

CERTIFICATIONS & TRAINING:

CFE (Certified Fraud Examiner): Pending Associate ACFE Member

Active FHA DE CHUMS Number

*Quality Control Training: Self-taught

Fraud Investigation Training: Self-taught identification: LexisNexis, Accurint, AutoTrackXP, CoreLogic – DRIVE, etc.

EDUCATION:

Pre-RN Degree courses leading to Associate Degree Registered Nurse

Mott Community College, 1401 E. Court Street, Flint, MI 48503

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