Debra Cline Email and Phone Number

Underwrote conforming purchases and refinances according to the Wells Fargo guidelines provided.Excelled in classroom asking questions and learning.I studied the Wells Fargo way during my time there so I would be an asset to the company. I was happy and enthusiastic each day.I was given loans to underwrite and decision in order to achieve my lending authority. These loans were complex and it enabled me to learn more about how Wells Fargo guidelines and exceptions are done. It was an… Show more Underwrote conforming purchases and refinances according to the Wells Fargo guidelines provided.Excelled in classroom asking questions and learning.I studied the Wells Fargo way during my time there so I would be an asset to the company. I was happy and enthusiastic each day.I was given loans to underwrite and decision in order to achieve my lending authority. These loans were complex and it enabled me to learn more about how Wells Fargo guidelines and exceptions are done. It was an interesting experience.I completed my six test cases without error and was granted my authority.Unfortunately I and many other new employees were laid off due to lack of work. Show less

Underwrote Conventional loans to investors : PHH, GMAC, Chse, Provident, BB&T, Stonegate, Suntrust, Stearns, Fannie Direct, Freddie Direct. Always underwriting to the AUS and overlays for the chosen company. Analyzed self employed borrowers income and complex loans. ( I was assigned a presidents club loan officer who's borrowers were all self employed with several companies.)Analyzed income, assets, credit, Real-estate property appraisals.Experience with Home Path, Condominiums… Show more Underwrote Conventional loans to investors : PHH, GMAC, Chse, Provident, BB&T, Stonegate, Suntrust, Stearns, Fannie Direct, Freddie Direct. Always underwriting to the AUS and overlays for the chosen company. Analyzed self employed borrowers income and complex loans. ( I was assigned a presidents club loan officer who's borrowers were all self employed with several companies.)Analyzed income, assets, credit, Real-estate property appraisals.Experience with Home Path, Condominiums, Investment Properties. Reviewed loan file to ensure proper guidelines, compliance has been met. Worked directly with manager and team lead to deliver a salable loan to investors.Worked well with loan officers and processors to ensure great customer service Show less

Reviewed credit documents such as : credit report, paystubs, W2's, Passive income docs using the guidelines that were provided to me. Reviewed and calculated self employed income and rental income using most recent two years tax returns, personal and business returns, used FNMA 1084 form.Reviewed Asset Statements such as bank statements, 401k plans, investment statements to determine what amount is allowable to be used for qualification based on current policy.Reviewed appraisals to… Show more Reviewed credit documents such as : credit report, paystubs, W2's, Passive income docs using the guidelines that were provided to me. Reviewed and calculated self employed income and rental income using most recent two years tax returns, personal and business returns, used FNMA 1084 form.Reviewed Asset Statements such as bank statements, 401k plans, investment statements to determine what amount is allowable to be used for qualification based on current policy.Reviewed appraisals to determine if the property was loan worthy.Calculated DTI and reviewed both DU(FNMA) and LP(Freddie Mac) and bank policy guidelines to ensure a sale-able loan.I have underwritten Conforming loans, Non Conforming loans, Harp Loans and Harp Refi Plus Loans.Throughout my time with PNC, WAMU and Chase I mentored new employees, monitored their work and reviewed for accuracy. I also processed loans prior to promotion to underwriter and was chosen for several special projects. I aided my manager by tracking new loans , updating and dispersed loans to other team members. I resolved team members questions and issues with conditions. Show less