Deni Archer Email & Phone Number

California

METASOURCE, LLC DRAPER UTAHSenior Mortgage Solutions Engineer 8/15 to CurrentWork with Mortgage Clients to help develop efficiencies using Six Sigma Lean Processes coupled with Metasource Service offerings resulting in reduced turn times, lower costs and eliminating errors. • Specializing in Due Diligence for the buying and selling of MBS and MSR's.• Developed a Specialized Audit and delivery of Trailing Documents• Cultivate and develop relationships for new business development• Work with IT to develop/improve software for Mortgage Industry• Provide clients with insights into HUD and FNMA policies and proceduresAbout MetaSourceMetaSource is a technology driven provider of Business Process Outsourcing (BPO) / Business Process Management (BPM) services integrated with Enterprise Content Management (ECM) / workflow solutions, Compliance/Audit services and customer experience processes to meet our clients' goals and objectives. We service a variety of industries for a national clientele through our global network of PCI Level 1 / Version 3 certified, SOC / AT 101 (formerly known as SAS70) and HIPAA compliant processing centers, employing over 1,000 employees worldwide. Agency Rating Approved.

Valencia, Ca

PERFORMANCE FINANCIAL, INC. D/B/A PACIFIC FUNDING MORTGAGE DIVISION, VALENCIA, CA Chief Operating Officer / Chief Compliance Officer 11/2014 TO 07/2015 Serve as the organizational subject matter expert for underwriting, processing, closing / post-closing, and technology requirements. Establish and enforce departmental policies and procedures. Maintain and develop new business strategies and recruitment initiatives. Monitor and implement local, state, and federal regulatory changes.• Designed and monitored 26 different ongoing instructional programs and manuals, ensuring compliance with all applicable laws, regulations, and corporate policies.• Authored all manuals and Policies and Procedures (P&Ps) as required for CalHFA, Veteran Affairs (VA) and Federal National Mortgage Association (FNMA) approvals.• Implement procedures for Vendor Management, Risk Management and Internal Audit• Monitoring / Implementing Local, State and Federal Regulatory changes • Establish and monitor ongoing training programs to ensure compliance with laws, regulations and company policies and procedures.

Santa Ana, California

Provided training to staff and lender partners in Federal Housing Administration (FHA)/VA underwriting, insuring, and appraisal reviews. Ensured staff remained continually informed of updated (FNMA), Federal Home Loan Mortgage Corporation (FHLMC), FHA, VA, and United States Department of Agriculture (USDA) guideline. Continually improved and redesigned auditing procedures. • Authored and maintained quality control manuals that generated a 22% increase in operational efficiency. • Hired, trained, and managed two offices in Santa Ana and Philadelphia housing 75 employees. • Played a key role in securing HUD contracts for pre-closing underwriting and condo approvals in Santa Ana and Philadelphia HOCs, generating over $500K in yearly revenue. • Collaborated with the development team to create a quality control system currently utilized to audit both prefunding and post-close loan files. • Assisted in the development of business channels with the Senior Vice President of production, strengthening the company from zero clients to more than 40 in less than two years with current invoicing at $400K per month.

Santa Ana, California

Served as the contract underwriter to HUD. Expertly rewrote lender’s test case files to ensure compliance with pre-closing requirements. Ensured test cases met all FHA regulations, policies, and procedures per 4155 guidelines. • Reviewed appraisals to ensure each value was adequately supported and all appraisers had met FHA guidelines, regulations, procedures, and policies per the 4155 and 4150.• Analyzed all firm commitment reconsiderations and final documentations for Mortgage Insurance Certificates.

Anaheim Hills, California

Effectively managed a team of 9 underwriters specializing in FHA, VA, FNMA and Alt A (Subprime) loans. Oversaw the performance of funding, setup, and account managers. Underwrote all test cases for HUD unconditional direct endorsement. Implemented innovative policies and procedures for underwriting and funding departments. The changes made to underwriting increased company revenues 3 times. • Managed a team of underwriters specializing in FHA, VA, FNMA and ALT A• Oversaw Funding, Set Up and Account Managers.• Personally underwrote all test cases for HUD unconditional Direct Endorsement• Implemented Policies and Procedures in Underwriting and Funding Departments

Santa Ana, California

• Hand-selected to take over the National Wholesales Division and lead a restructuring project, increasing $1M monthly revenue to more than $5M per salesperson by redesigning operations and conducting extensive training.• Managed Branch by P & L• Set Procedures and Policies for the loan setup, Underwriting, Doc and FundingCorporate Support Underwriter • Managed/Sold Scratch and Dent loans• Corporate Support for all branches on all loan level issues• Second Signature all loans above $650,000 for all branchesHelp to develop and implement the National Whole Branch Model. Instrumental in setting up and training branch personnel thought out the United States.

Anaheim, California

 Underwrote all FHA, Conventional, Jumbo and Sub Prime Loans – both manually andwith AU systems. Directly manage a staff of 51. Total Company Employees 73. Maintain underwriting manuals for all product types. Received unrestricted HUD approval with min HUD submissions (15). Created and Developed operations procedures saving the company thousands of dollarsper year.Personally underwrote all the FHA test case loans for the HUD Delegated Underwriting Approval.15 loans were submitted to HUD for review and received unconditional Direct Endorsementapproval, all receiving “Good” rating on first submission. I also researched and help to developthe Underwriting System to track TPO’s, Underwriting Decisions, Secondary Marketing (locks) andselling of loans to Investors.