Debby M. Email and Phone Number
A skilled Mortgage Professional with over 20 years in the Mortgage, Real Estate, and Banking industries. Special expertise in all aspect of mortgage underwriting, real estate mortgage operations management and sales support. Known for a strong passion for the customer experience. Able to engage excellent communication skills to provide guidance, direction and leadership to the team, both internal and external. Swift resolution of escalated issues. Capable of balancing multiple priorities in a fast-paced time sensitive environment. The ability to meet Service Level Agreements and ensure that quality measures are met.Key Skills and Expertise:Management / Leadership / Risk Management / The Customer Experience Financial / Credit / Appraisal Analysis / FHA/DE / Pipeline ManagementFNMA / FHLMC / Non-Conforming Lending Authority: $2mm / Purchase / refinance Underwriting Compliance / Underwriting Guidelines / Policy and Procedures / Audit Team Development / Problem Solving / Loan Quality
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Starting Another Chapter In My Mortgage Career. I Will Be A Loan Office Assistant For Nick Muro. We Are Both BackLowerUnited States -
Scenario Desk ManagerHomeside Financial Apr 2019 - Jul 2022Downers Grove, IlI am the Loan Officers go to person for loan questions: translate underwriting guidelines with application of mitigating factors, when applicable, to ensure proper salability to investors. Provide complex income calculations for loan officers to ensure the income utilized in prequalification is accurate. Strong knowledge of all agencies guidelines. Condo Project approval. -
Due Diligence UnderwriterAmerican Mortgage Consultants, Inc. Sep 2018 - Apr 2019Remote -
Closing /Funding/Post Closing ManagerLoan Cabin Inc Mar 2018 - Sep 2018Downers Grove, Illinois
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De Mortgage UnderwriterFay Servicing Llc Sep 2016 - Feb 2018Oakbrook Terrace IlWorked on FHA, conventional and High Balance loans. Many of the FHA loans are either a manual underwrite or need to downgraded to a manual underwrite. Very well versed in FHA guidelines. Conventional loans are underwritten to various investor guidelines. I work with processing to update files and restructure loans to meet the various guidelines. I am a go to person for newer underwriters for training and guidelines. Also, work with the LOs to structure/re-structure loans to meet investor guidelines.
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De UnderwriterFinance Of America Mortgage Llc Mar 2016 - Sep 2016Lombard, IllinoisDE FHA, Conventiona & IHDA bonds Mortgage Loans. The ability to use all of my mortgage skills in one place! Worked with Loan Officers and processing to manufacture compliant loans. Helped with re-structuring deals and providing guideline compliance.
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De UnderwtiterFirst Midwest Bank Jul 2015 - Mar 2016Gurnee, IlUnderwriting and analysis of FHA, Conventional, Non-Conforming, Construction to Perm, Subject matter expert :IHDA, DPP and specially bank products. Responsible for decisions requiring senior knowledge and/or unique problem solving abilities. Work with Sales to structure applications and understand guidelines. Work with the CRA department on other down payment assistance programs. Work with secondary to make sure loan corrections are made time. Maintain underwriting SLAs. Provide daily reporting to managers. -
Sr. Mortgage UnderwriterFifth Third Bank Feb 2015 - Jul 2015Oak Lawn, IlCredit and appraisal analysis of Conventional, Non-Conforming and specialty bank products. Responsible for decision requiring senior underwriting and or unique problem solving abilities. Maintain SLA for decisions, training and customer service. -
Underwriting Team Manager (Officer)Jpmorgan Chase & Co. May 2012 - Dec 2014Downers Grove, IlOversaw a team of 8 underwriters who had various skill levels of underwriting authority from $417k to $1.5mm. Responsibilities included: daily pipeline management, coaching and training, team building, working with various business partners in sales and operations; compliance and credit quality. Participated in various Site committees to empower managers and employees to develop a strong Site Culture. Personal lending authority: $2mm, FHA/DE and Chase Private Client. -
Branch Operations Manager, Team Manager, Avp De UnderwriterBank Of America Dec 2002 - Jun 2010VarriousFulfillment Center: Rolling Meadows, IL A diverse career with management roles and non-management roles at various offices. Management included Branch Operations and Team Manager in fulfillment centers. Part of a team that open a new fulfillment cent in WI. Special projects in training customer service and compliance. Subject Matter Expert for conversion from paper file to a virtual system. Trained these new process locally and nationally. Non-management role: Underwriting/processing of conventional, non-agency to $1.5mm, FHA and USDA product types.
Debby M. Education Details
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Real Estate
Frequently Asked Questions about Debby M.
What company does Debby M. work for?
Debby M. works for Lower
What is Debby M.'s role at the current company?
Debby M.'s current role is Starting another chapter in my mortgage career. I will be a Loan Office Assistant for Nick Muro. We are both back.
What schools did Debby M. attend?
Debby M. attended Fox Valley Technical College.
Who are Debby M.'s colleagues?
Debby M.'s colleagues are Chastity Ward, Jennifer Ventura, Chad Hirsch, M.b.a., Zaid Agailh, Farida Askerova, Elizabeth S. Soto, Maxwell Guitteau.
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