Manager Assistant
Resume:
Dewanda Day
Fayetteville, Georgia 30214
*******@*****.***
PROFESSIONAL
Newbold Advisors, USAA
Underwriter/ Auditor 01/2011-Present
• Due diligence audit underwriting, portfolio analysis and compliance review
• Adhere to client/lender policies and procedures, in addition to federal, state, and/or municipal laws and regulations within the due diligence process
• Identify portfolio risk resulting from client’s underlying business practices, underwriting and or fraud exposure
• identified potential challenges within the underwriting process recommendations for changes
Amerisave Mortgage 08/2009 – 03/2010
Underwriter
• Underwriting (income/assets, credit, appraisals, title commitments, VOE) along with providing inconclusive/conclusive evidence to Fannie Mae in the QAS summary report.
• Cleared underwriting conditions and issued clear to close. Submitted through Desktop Underwriter (DU) and Loan Prospector (LP)
• Analyzing third party reports. Reviews and reporting exceptions to Fannie Mae.
• Reporting fraud i.e. (income/asset misrepresentation, undisclosed mortgages, occupancy misrepresentation) along with providing evidentiary documentation to Fannie Mae.
Hyundai Motor Finance (Volt Workforce Solutions) 07/2008-03/2009
Adminstrative Assistant
• Provided a full range of administrative, clerical and office support
• Open, sort and distribute incoming correspondence, including faxes and email
• Perform general office duties such as ordering supplies, maintaining records and managing incoming workflow
Key Financial 03/2007-07/2008
Branch Manager
• Ensure the institution policy and procedures are followed according to established guidelines.
• Network to develop business relations, promote the sale of loans
• Oversee monthly financial and branch process report
• Submission of files through AUS and manual underwrite
• monitor compliance with the regulatory and secondary market guidelines on all FNMA, Freddie Mac, VA, FHA investor and PMI loans
A and T Mortgage 08/2006-01/2007
Underwriter
• Review and analyze loan transaction packages for preliminary approval or denial
• Underwrites mortgage loans ensuring compliance with secondary market investor standards
• Evaluate loans in order to maximize organizational profit and minimize risk or loss.
• Examines loan documentation for accuracy and completeness
Progressive Home Mortgage 05/1995-07/2006
Underwriter
• Analyze employment profile, credit strength, property characteristics, and all other pertinent to the credit decision and credit grading
• Review documentation for compliance with internal and regulatory guidelines
• Validating AUS (DU, LP, Clues, Zippy) findings and exceptions Approving or declining loans with a level 4C loan approval authority
• Reporting fraud (income/asset misrepresentation, value inflation, straw-buyers, non-arms length transactions)
• EDUCATION Shorter University, Bachelors/Business Management
• PROFESSIONAL TRAINING DU… LP… Compliance Ease… Loan Safe… Lexis Nexis… Real Quest… Pacer… AVM…
COMPUTER Microsoft Office… Microsoft Outlook… Lotus Notes… Mortgage Desktop…
SKILLS Works… Optis.2… … LPS…DU… LP… CLUES… Loan Safe…Calyx… Encompass…. Citrix Metaframe
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REFERENCES PROVIDED UPON REQUEST
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