Deb Monaghan, M.B.A. Email & Phone Number

Horsham, Pennsylvania, United States

As Co- Leader of Community Lending Team, responsible for strategy, account maintenance and product development for affordable lending clients. Subject Matter Expert for Investor Lending. Collaborate with cross-departmental team to develop and implement new investor lending products. Administer training, author and disseminate communications to investors and lenders and assist in marketing efforts.Mentor in the Bayview Women Development program. As I mentor, I am privileged to be able to work with other employees to assist them in developing and refining their leadership skills.

Provided key business case analysis on new product offerings and expansion of current products utilizing market opportunity, revenue opportunity, default data, investor guidelines, pricing intelligence and competitor analysis to drive a robust credit strategy. Researched and developed requirements needed for new and emerging mortgage related financial products and technology advancement. Prepared competitive analysis materials comparing product or channel with its competitors. Provided key data support and analysis required to develop and maintain origination eligibility strategies. Participated in projects to implement product/credit strategy.

Analyzed complex and jumbo loan files, performed cash-flow analysis of individuals, corporations, partnerships and rental properties. Specialized in underwriting real estate loans for residences and investment properties for High Net Worth clients and Signature Citi clients. $1M signing authority. Completed individual and committee loan decline review to ensure compliance with company and government policies.

Remote

Performed credit, collateral, income, title and asset analysis on conventional loan files for single family, multi family, condominiums and co-ops for both non-conforming and conforming loan amounts. Completed review of purchases, refinances and HARP files. $750K signing authority. Ensured compliance with Fannie Mae, Freddie Mac and internal Citi loan policies and regulatory requirements. Delegated Mortgage Insurance Underwriter.

Managed the Atlantic Region Underwriting Department consisting of 2 team managers and staff of 13. Underwrote all priority loans. Approved or declined all policy exceptions. Loan authority of $450,000.00. Subject Matter Expert for Underwriting, Training and Development, Compliance and Systems Departments, assisted in developing enhancements, policy and procedure updates utilized by the entire division. Liaison for Citicorp Trust Bank between the Underwriting Operations and off shore units in India; lowered costs per unit by reviewing and updating standards and practices.

Managed Underwriting and Data Entry departments. Hired, trained, motivated and developed staffs of 17. Taught client sessions ranging from 20-1000 attendees. Performed second review on jumbo loans and all declines, approval authority of $300,000.00.·Created all procedures for departments and implemented quarterly reviews and production reports for all employees; developed individual accountability and increased production by 10%.Created template for documenting underwriting questions allowing service representatives to handle administrative tasks and Underwriters to focus on decision-making.

Analyzed and approved or declined loan applications. Assisted with or handled sale of loan program. Communicated loan decisions to agents in a timely fashion and ensured compliance deadlines were met with regards to pre-disclosures, approval letters, denial notices, and counteroffers. Worked closely with processing and/or agents to answer specific loan questions, to answer specific conditions or documentation requested and to resolve problems Trained agents in the presentation of loans.

Mba, Business

Continuing Studies In Fha Direct Endorsement (De) Chums Preparation And Va Underwriting, Fha And Va Underwriting Courses

FHA/VA Underwriting FHA New Rules FHA Direct Endorsement (DE) Underwriting

Bs, Hotel And Restaurant Administration

Activities and Societies: Minor In Spanish, Ambassadors Club, NUTHRA,Language Honor Society Hotel and Restaurant Honor Society Graduated.

Certificate In Hotel Management, Hotel And Restaurant Administration

Activities and Societies: Study abroad program

Icagile Certified Professional