Deborah Morris Higdon Email & Phone Number

Independent Consultant to Mortgage clients as a Subject Matter Expert in Credit Risk and Mortgage Operations areas.• Research, observe, recommend, develop, implement, and assist in solutions to client’s requested needs. This may include development or revision of Processes, Policies & Procedures or training courses or content material.• Software implementation assistance and feedback (review, recommend, UAT, beta test and provide feedback to client on software and systems currently in place, or looking to purchase, and make recommendations to client.• Business Analyst and Project management solutions.

Vienna, Va, Us

Assistant to the AVP of Real Estate Lending Training. Responsible for overseeing the daily project activities through all life cycles to ensure the best quality product is delivered. Manage ongoing team efforts, updating release schedules, staffing profiles, roadmaps, applications docs, and monthly reports. Provide technical project management support. Ability to understand the waterfall effects with strong collaboration skills to be able to navigate changes in an agile transformation environment. Collaborate with Business units and training teams to ensure adequate understanding of BU request and the proper training resources are placed to provide deliverables requested. Monitor delivery schedules and resources to assure team members are delivering on time and within budget. Ensure on-time delivery of projects through organizing, developing and routinely forecasting project plans and project budget to ensure accuracy of information to enable effective business decisions.

Columbia, Maryland, Us

• Center of knowledge focusing on existing expertise and resources in a discipline or capability to attain and sustain world-class performance and value within the organization’s infrastructure and processes.• Provide leadership, best practices, research, support and/or training for a focus area.• Provide wholistic view to support cross project and cross team collaboration across initiatives within the organization.• Solve for gaps, especially as the technology stack grows but the structures and processes currently in place can't enable and support it.• Supports functional documentation and process optimization opportunities • Manage a group of people with specialized skills and expertise whose job is to provide leadership and purposely disseminate that knowledge within the organization. • Work closely with the Automation and Technology teams to incorporate automation and enhancements within the organization.

Clearwater, Florida, Us

• Assisted client needs requested through Newbold Advisors Scope of Work orders (SOW) for Subject Matter Expert in FHA processes, procedures, and trainning.• Assisted with onboarding Client as an FHA approved lender.

Clearwater, Florida, Us

Clearwater, Florida, Us

Project Manager assisting client’s business units with offshore and onshore vendor management and contract fulfillment. Assisted client needs requested through Newbold Advisors Scope of Work orders.

Clearwater, Florida, Us

• Assisted client needs requested through Newbold Advisors Scope of Work orders (SOW) for Subject Matter Expert in FHA processes, proceedures, and audits. Provided summary of findings and solutions to increase efficiency and quality.

Irvine, Ca, Us

Managed 3 Managers and 2 Admins who oversaw 30-50 underwriters that I was responsible for all production, SLAs, QC, and escalated loan decisions in the Wholesale and Correspondent channels of Loan Depot.

Dallas, Texas, Us

• Planning, design, execution, and leadership of a variety of training programs and processes to support the development and ongoing education of 1200+ employees. • Disseminate reports, analyze root causes, strategize, and implement training to meet goals for improved production, quality and lower error ratios. • Hiring, training and ongoing efficiency of personnel. • Managed 40+ Underwriters and 4 Regional Managers (on-site and remote).• Ensure that all Service Level Agreements (SLA’s) were maintained and quality level expectations were met while adhering to company, investors, and regulatory guidelines. • Part of the Executive Credit Committee, responsible for final underwriting decisions on loans escalated for rebuttal or high risk credit decisions or cures for non-saleable loans or non-purchases by investor or agency. • Participate in UAT and beta testing new software programs and provided feedback from underwriting and credit risk perspectives.• Oversee pipeline management to ensure service level agreements are met• Evaluate more difficult loans such as self-employed borrowers, multi-K-1’s or 1120s• Condo project reviews, Fannie Mae CVAS

Farmers Branch, Texas, Us

• Responsible for the training and ongoing efficiency of all Processors, Underwriters, Correspondent Credit Reviewers and their managers (approximately 200) on a national level for Retail, Wholesale, Correspondent and Private (CVF) channels of the company. • Disseminate reports, analyze root causes, strategize and plan to implement training and goals for improved underwriting quality and lower error ratios. • Oversee training programs ensuring compliance with company and agency guidelines and regulations. • Assess training needs for the company, make recommendations, design, develop and implement training material, courses and tests. * Interfaced with Quality Assurance, Quality Control, Legal, Compliance, and Credit Risk departments.* Participated in testing new software programs and provided feedback from underwriting and credit risk perspectives.

• Contracted to oversee and expand all training programs geared toward lending industry professionals, ensuring compliance with lending guidelines, relevant laws and regulations. • Supervise and monitor all sub-contracted trainers. • Design, develop and implement training materials and tests for company and proprietary client material. • Assess client training needs and make recommendations. • Plan and coordinate national training events, including selecting locations, booking facilities, hiring trainers, and developing promotional materials for events. • Provide FHA and VA training for DE/SAR Underwriters, Processors and Originators including but not limited to Washington Mutual, Bear Stearns, eLoan, MetLife Mortgage, RPM Mortgage, Sterns Lending and ICON Residential.

Dallas, Texas, Us

• Contracted through LoanTrainer.com, as a temporary employee of Prime, as part of a special project training team to train all Sales and Operation employees on a new, company wide, LOS system being implemented and provided on-going support to all staff, on a national level.

Austin, Tx, Us

• Oversaw the training department,with 8 Facilitators and 5 Remote Trainers. Responsible for 2000+ Sales and Operations employees. • Implemented training department policies and procedures, identifying ways to enhance production despite diminishing resources. • Conducted needs assessments, and developed appropriate training programs to enrich employee skills and enhance relationships between divisions. • Responsible for training materials and course content for on-site, online, conference call, video or webinar training courses. • Negotiated contracts, planned and coordinated regional and national training events. Arranged facilities, trainers, guest speakers, hotel accommodations, transportation, meals and entertainment. • Established goals, priorities, and performance standards. Negotiated contracts for software and platforms. Developed an online training university and in-house library.

Schaumburg, Illinois, Us

• Established and managed a new branch, with responsibility for sales and marketing, operational performance, profitability, government regulations and compliance. • Hired, trained and supervised staff, developing individual performance plans and evaluating results. • Successfully developed and implemented business strategies and marketing campaigns that exceeded targeted goals. • Personally involved in Processing, Underwriting, Doc Drawing, Funding, Shipping to HUD for insuring and investor purchases. Responsible for any PETR/NOR rejects, VA or Investor rejects.

San Ramon, Ca, Us

• Conceptualized and implemented a solution that facilitated the networking of multiple independent branches, resulting in reduced overhead costs, timelier loan submission, increased productivity, and improved employee morale. This consisted of integrating software, leasing contracts, remote access for Loan Officers, develop P&P, process flow and all training.