Deborah Downs

How would you describe your time at Long Beach Mortgage Company?

Deborah Lee Downs
debdowns@msn.com
303-885-1957 (cell)
303-512-1212 (home)

Objective: Seeking new opportunities for advancement, growth and wealth.

Experience

Senior Loan Coordinator
March 2004- Present


Responsibilities:
Validating and verifying loan application information in order to assist mortgage broker, loan officers and processors to fulfill conditions. I have the experience to determine fraud and or inconsistencies according to guidelines and reasonability
I am knowledgeable in comparing application information to system input and analyzing supporting documentation. My duties include: Reviewing package for accuracy. Verifying and validating supporting income, asset and liability documentation. In addition, calculating and analyzing income structure (i.e. employment, tax returns, divorce decree, alimony), calculating and analyzing funds to close (i.e. VOD, gift money, IRA, 401 (k), sale of assets) HUD statement and reserves. Reviewing and verifying credit report (i.e. FICO, pay history, validate other debts) and other mortgage/real property owned (i.e. disposition of property, rental income). I review files for compliance, notify originator and applicant of credit decisions within regulatory time frames: clearing and convey titles, accurately document files. I have experience at multi state level, and experience w/ closing issues. Presently a certified Colorado Notary.

Loan Processor Forefront Mortgage
August 2003-March 2004

Responsibilities:
Single loan processor for independent mortgage corporation. Analyze credit history, income and debt ratios, review title work and appraisals, submit loans to lenders and fulfill required stipulations with borrower, marketing, office management.

Senior Administrative Real Estate Assistant; Slifer, Smith and Frampton Real Estate, Vail CO
5 years experience

Responsibilities:
Assistant to twelve top producing real estate agents in distinguished Beaver Creek.
Managed marketing activities, show properties and hold open houses, listing updates, writing contracts, client communication managing files and updating as necessary.

Skills:
Have a strong understanding of practices and regulations of mortgage lending and working knowledge of loan products. Excellent computer skills: word, excel, outlook, internet, data entry. Pays attention to details, excellent customer service skills.

Background:
Mortgage industry, lending, real estate.

Education:
Western Washington University Biology
Montana State University Sports Medicine...