Deborah Morris Higdon

Deborah Morris Higdon Email and Phone Number

Subject Matter Expert within the Mortgage Operations, Production and Technology arenas. Specializing in the Retail, Wholesale, and Correspondent lending @
Deborah Morris Higdon's Location
Lewisville, Texas, United States, United States
Deborah Morris Higdon's Contact Details

Deborah Morris Higdon work email

Deborah Morris Higdon personal email

About Deborah Morris Higdon

Subject Matter Expert within the Mortgage Operations, Production and Technology arenas. Specializing in the Retail, Wholesale, and Correspondent lending. A team player that looks for ways to improve performance and profitability for the company while mentoring others to elevate them to their fullest potential. 20+ Years Management 20+ Years Mortgage Operations and Production15+ Years Process Optimization, Training and DevelopmentSUBJECT MATTER EXPERT IN: Operations -- Sales and Marketing -- Policy & Procedure Development -- Process Flow Development -- Project Management -- Needs Assessment -- Strategic Planning -- System Implementation -- Credit Risk -- Underwriting -- Post Closing -- Quality Control -- Quality Assurance -- Compliance --FHA -- VA -- USDA -- FNMA -- FHLMC -- Construction -- Manufactured Homes -- Texas 50a6 -- Mortgage Insurance -- Training & Development -- AutomationCAREER HIGHLIGHTS:• Support functional documentation and process optimization opportunities resulting in increased performance, quality, and production, while reducing costs. • 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.• Developed Lending Authority P&P for minimum standards, training, testing, action plans and monitoring of current and new hires, along with an on-boarding program, that resulted in improved knowledge base of employees, increased work quality and earlier release of new hires into production.• Instrumental in the recommendation, conversion and/or implementation of 4 LOS and LMS systems.• Conceptualized and created a training “university” program, resulting in the ability for self-improvement of employees looking to advance within the company.• Successfully converted a full, corporate office, ground training on-boarding program to a webinar, e-learning and regional training program, resulting in dramatic cost savings and more hands-on training at the local branch level.

Deborah Morris Higdon's Current Company Details
Mortgage Training & Consulting, LLC

Mortgage Training & Consulting, Llc

Subject Matter Expert within the Mortgage Operations, Production and Technology arenas. Specializing in the Retail, Wholesale, and Correspondent lending
Deborah Morris Higdon Work Experience Details
  • Mortgage Training & Consulting, Llc
    Independent Business Consultant
    Mortgage Training & Consulting, Llc May 2015 - Present
    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.
  • Navy Federal Credit Union
    Program Manager
    Navy Federal Credit Union Sep 2023 - Mar 2024
    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.
  • Thrive Mortgage Llc
    Center Of Excellence Manager
    Thrive Mortgage Llc Nov 2020 - Sep 2023
    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.
  • Newbold Advisors, Llc
    Senior Consultant And Sme In Mortgage Operations, Credit Risk And Project Management
    Newbold Advisors, Llc Nov 2020 - Mar 2021
    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.
  • Newbold Advisors, Llc
    Senior Business Consultant And Sme In Mortgage Operations, Credit Risk And Project Management
    Newbold Advisors, Llc Nov 2018 - Mar 2021
    Clearwater, Florida, Us
  • Newbold Advisors, Llc
    Project Manager Contracted With Caliber Home Loans Through Newbold Advisors
    Newbold Advisors, Llc Nov 2019 - May 2020
    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.
  • Newbold Advisors, Llc
    Senior Consultant, Sme In Mortgage Originations, Operations, Post Closing, Project Management
    Newbold Advisors, Llc Nov 2018 - May 2019
    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.
  • Loandepot Wholesale, A Division Of Loandepot.Com, Llc, Nmls Id 174457
    Regional Underwriting Manager Eastern Division
    Loandepot Wholesale, A Division Of Loandepot.Com, Llc, Nmls Id 174457 May 2017 - Oct 2018
    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.
  • Supreme Lending
    National Director Of Underwriting And Training
    Supreme Lending Jul 2014 - May 2015
    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
  • Pacific Union Financial, Llc
    National Credit Risk Director Of Training
    Pacific Union Financial, Llc Jun 2013 - Aug 2014
    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.
  • Loantrainer.Com
    National Training Director
    Loantrainer.Com Jan 1998 - Jun 2013
    • 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.
  • Primelending
    Corporate National Trainer
    Primelending Feb 2012 - Oct 2012
    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.
  • Dhi Mortgage
    National Training Manager
    Dhi Mortgage 2006 - Apr 2007
    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.
  • Us Financial Mortgage
    Branch Manager
    Us Financial Mortgage 1999 - 2004
    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.
  • C.M.G. Mortgage, Inc
    Special Projects Manager
    C.M.G. Mortgage, Inc Jan 1997 - Jan 1998
    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.

Deborah Morris Higdon Skills

Team Building Powerpoint Public Speaking Needs Analysis Real Estate Economics Training And Development Sales Loan Origination Event Planning Vendor Relations Financial Risk Business Development Mortgage Lending Credit Risk Negotiation Quality Assurance Fundraising Contract Negotiations Organizational Development E Learning U.s. Federal Housing Authority Operations Management Real Estate Microsoft Excel Program Management Marketing New Business Development Nonprofits Leadership Development Online Training Training Credit Policy Employee Training Real Estate Finance Program Development Contract Negotiation Budgets Non Profits Management Business Management Coaching Knowledge Management Mortgage Underwriting Education Management Performance Improvement Fha Executive Coaching Selling

Frequently Asked Questions about Deborah Morris Higdon

What company does Deborah Morris Higdon work for?

Deborah Morris Higdon works for Mortgage Training & Consulting, Llc

What is Deborah Morris Higdon's role at the current company?

Deborah Morris Higdon's current role is Subject Matter Expert within the Mortgage Operations, Production and Technology arenas. Specializing in the Retail, Wholesale, and Correspondent lending.

What is Deborah Morris Higdon's email address?

Deborah Morris Higdon's email address is de****@****ans.com

What skills is Deborah Morris Higdon known for?

Deborah Morris Higdon has skills like Team Building, Powerpoint, Public Speaking, Needs Analysis, Real Estate Economics, Training And Development, Sales, Loan Origination, Event Planning, Vendor Relations, Financial Risk, Business Development.

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