Dee Baldwin Email & Phone Number

Indian Land , Sc

• Review loan lock requests for loans originated under Housing Finance Agency (HFA)/bond programs to ensure appropriate fees are in place and loan meets basic requirements.• Accurately enter loan data into appropriate HFA websites to lock loan terms for designated first lien, down payment assistance, and/or Mortgage Credit Certificate (MCC) products.• Review bond lock reservation for accuracy and upload to PCL Loan Origination System.• Track registered bond loan through process and follow-up with appropriate associates on status of any files nearing underwriting certification or lock expiration dates.• Request extensions on expiring bond loans when closings re delayed or when Post Closing indicates deficiencies are unlikely to be cleared by reservation expiration date.• Complete required Housing Finance Agency (HFA) training to become and/or remain certified to reserve/lock bond loans.• Respond to inquiries from Loan Officers on bond features and eligibility requirements.

Charlotte, North Carolina Area

• Underwrote files that meet the criteria for counselling, qualification, and/or Max PITI approval based on NACA's character-based lending criteria• Provided information to the Housing Counsellor or Mortgage Consultant on what needs to be done to qualify• Examined and verify the documents and data entry to ensure accuracy and completeness• Reviewed payment history/explanations & manually calculate income to determine an affordable mortgage payment• Utilized automated underwriting engines to assess credit and collateral risk conventional and FHA lending. • Identified staff issues based on the quality of submissions where additional assistance and training is appropriate.

Birmingham, Alabama Area

• Underwrote loans (Conventional, FHA and VA loans according to Fannie Mae, Freddie Mac and collateral underwriting guidelines) by reviewing financial information, credit reports, titles, appraisals, tax transcripts, sales contracts and calculating income working within DU/LP AUS systems with an $800,000 Lending Authority.• Exceeded departmental standards of 3 loans/day by averaging 4 loans/day with error rate below 5%.• Team Lead – Identified challenges and made recommendations improvements to underwriter performance to speed up process and mitigate risks, and authored new reporting content for senior project managers to track progress and updated various procedures including: new hire training, workplace safety and customer service.• Testing – Created and maintained testing analysis/procedures including test plans, defects reports and resolution, reported issues and bugs and tracked them to completion.

• Underwrote loans (Conforming, Non-conforming, VA, FHA and Rural) by reviewing tax returns, income documentation, credit histories, asset documentation and other financial information to make quality decisions using Freddie Mac's Loan Prospector and Fidelity LPS/MSP with $800,000 Lending Authority, made decisions regarding deficiencies identified during the review process and identified/resolved potential fraud by reviewing investigation reports.• Communicated results of investigation reports to senior leadership and attorneys by leading online meetings and providing necessary updated financial/technical documentation with internal and external regulations.

• Performed audits and quality control on FHA, VA, USDA and Conventional loans within loss mitigation by reviewing customer info (credit, income, assets/reserves and property), loan documentation to ensure accuracy, deposits, wire transfers, transmittal letters and settlement statements.