Deena L. Ness **** Doneene Lane Eagan, Mn

651-***-**** adzhja@r.postjobfree.com

Summary:

Banking and mortgage financial professional who has worked in all divisions of the industry. Knowledge FHA, VA, conventional, Jr loans, single family, commercial, Investment, 1031 exchange, commercial, Bilateral, USDA and Bond Loans. Handled real estate closings both remote online and face to face a loan document specialist in both areas in mortgage and real estate for transfer of title and all types of contacts.

BURNET TITLE Anywhere

Real Estate Escrow Officer 06/2017-03/2023

Contact respective parties involved in the transaction seller, buyers, attorney, agents and other title companies to retrieve information from buyers and sellers for the closing offer remote online closing services along with face-to-face closing service

Knowledge and experience in loan underwriting, loan documents analysis, escrow negotiation, funds disbursal, underwriting requirements for funding, compliance documents for recording

Contact lenders, Contract for deed holders, sellers, small business owners and third-party professionals to request payoff statements, subordination agreements and other requirements needed to clear title

Calculate premiums, closing costs, mortgage tax, state deed tax and recording fees to communicate with lender, agents, buyer and sellers and prepare closing disclosures or Settlement Statements for purchase or refinance transactions

manages complex mortgage loan, conventional, commercial, new constructions, bilateral, contract for deed, land closings process from contract finalization to funding to ensuring quality loans that meet lender and statutory requirements.

Work with lenders, sellers to wire payoffs to lenders and other payees, ship and disburse files for recording and send final loan package back to lender for compliance review

Strong ability to balance files, work within lender portals, submitting underwriting conditions for funding, address all title defects including but not limited to payoffs, judgements, disbursement along with identifying deficiencies and resolving them

Ability to address and clear title issues and documents such as trusts, mortgages, contract for deed, 1031, quit claim deeds, leases prior to recording in order to prevent rejects and issue final title commitment before sending documents to the pertinent recording county

MARKETPLACE HOME MORTGAGE 01/2016-06/2017

Mortgage Underwriter

•Perform credit analysis, assessing borrowers' financial profiles, creditworthiness, and risk factors.

•Conduct thorough documentation reviews, verifying income, assets, employment history, and other relevant information.

•In-depth knowledge of loan origination, underwriting, and closing processes.

•Strong understanding of mortgage products, loan programs, and relevant regulations (e.g., FHA,VA, USDA, conventional loans, Bond, downpayment assistance programs).

•Excellent attention to detail, analytical skills, and the ability to multitask in a fast-paced

environment.

•Exceptional communication and interpersonal skills to effectively collaborate with internal teams, borrowers, and external partners.

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BMO HARRIS BANK 08/2014-01/2016

Mortgage Loan Officer-Sr Banker

Responsible for developing new retail mortgage business and small business while achieving individual sales and profitability goals by making center of influence. Work with retail partners at branch level to communicate BMO Harris value proposition.

To actively pursue leads generated through Branch visits and referrals in order to secure new first mortgage sales, home equity, Bilateral loans, SBA loans and credit cards. Provide exceptional customer service and advocacy, to build, maintain and expand customer relationships in order to generate business opportunities

Prequalify prospective home buyers and small business owners advise them on financing alternatives. Provide guidance to customers throughout mortgage application and processing activities. Close home equity loans at branch offices.

To ensure that own sales efforts are aligned with regional mortgage growth and profitability objectives and support mortgage sales and marketing efforts within assigned region, and seek opportunities to expand customer’s relationship with BMO Harris Bank

WELLS FARGO HOME MORTGAGE 11/13-02/2014

Lending Manager Loss Mitigation FHA

Responsible for managing a team of underwriters for Home Preservation division under FHA Second Level Review. Review Loan Modification agreements, validate calculations are accurate on all documents

Manage workflow to ensure that customer service standards are met and procedures are current and in compliance with government and Banking Regulations.

Strong organizational and follow up skills with proven ability to multi-task in order to effectively handle frequent demands caused by deadline and heavy workloads

Underwiter- Conventional level 3 /Retail fillilment Divison 02/12 – 11/2013

Responsible for reviewing, analyzing, approving, decline, suspend, REG loans and underwriting large, unusual or complex individual consumer requests. Evaluated and examined transactions to ensure accuracy and completeness and products.

Ensuring that documents are consistent and uphold company and industry guidelines; implementing 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. provide product knowledge to partners and customers. Team lead trained, SME, Loan officers

Provided work direction, feedback and training to underwriting staff including mentoring lower-level underwriters and home loan processors on credit decision, department procedures and policies and investor guidelines

Underwriting functions included reviewing financial statements, credit reports, income documents for w2 and self-employed customers evaluating, examining to ensure accuracy and completeness for applicable ratios

QA ANALYST/ Decision Quality Managemnt 02/11- 11/2012

Audit calculations and verifications of income & assets, evaluations of credit, purchase contracts, appraisal, title commitments and other loan pertinent documents for both VA and FHA files and determine if processes and documentation are in compliance with internal company requirements and Government requirements for insurer guidelines, investor requirements, and/or government regulations.

Supervises the Quality Control Process to review all areas of underwriting, regulatory compliance, fraud, fair lending, and servicing. Examine overall loan documentation (application, appraisal, title, credit, loan-to-value, legal documents) and system documentation of unusual, complex, and/or high-risk transactions. I provided feedback to internal and external team members and managers

Track, resolve, and ensure appropriate actions are taken to log findings in the appropriate systems of record

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