Debra Cline is a highly qualified mortgage underwriter with 20 years of experience underwriting both conforming and non-conforming loans including primary residences and investment properties. She has underwritten for several large lenders including Stonegate Mortgage, Wells Fargo, 1st Advantage Mortgage, Chase, Washington Mutual, and PNC. She is proficient in underwriting a variety of loan types including self-employed borrowers, and ensuring compliance with all applicable lending guidelines, underwriting requirements, and government regulations. She is seeking a new position where she can utilize her strong underwriting skills and experience.

1. Debra A Cline
15907 Peggy Lane
Oak Forest, Il 60452
(708)253-5680 / debracline7@gmail.com
Professional Summary
A highly qualified Mortgage Underwriter professional with a 20 year background of achievement in the
retail consumer lending mortgage industry. Progressive record processing home loans onto underwriting
home loans, investment properties. Seeking employment to utilize my skills and experience. I
demonstrate excellent follow-through with borrowers, loan processors, loan originators and
management throughout all phases of the underwriting process.
Areas of Expertise
* Conforming and Non conforming * Primary and Investment Properties
* Self - Employed Borrowers * Maintained compliance with lending,
* Meticulous attention to details underwriting and government requirements
Stonegate Mortgage 2015, Underwriting/Processor
* Evaluated debt ratio, loan to value, credit score, property valuation and other factors
* Identified and recommended alternative regarding loan-structuring and financing solutions.
* Provided support to loan officer and being a team member by ensuring the timely accurate
loan decision.
*Reviewed all credit documents including credit report, fraud guard, income and asset documents, title.
* Attended all TRID classes.
*Worked with Fannie and Freddie AUS
Wells Fargo, 2013, Mortgage Underwriter III
*Assisted in identifying , recommending alternative loan requirements
*Communicated well with team members, discussed file to determine the
best plan for the borrower while providing the best customer service.
*Analyzed self employed borrowers income reviewing Corp & Partnership tax returns & complex loans
*Analyzed income, assets, credit report, fraud guard and other factors of the file.
*Reviewed loan file to ensure proper guidelines, compliance has been met.
1ST Advantage Mortgage Draper & Kramer, 2012-2013, Senior Underwriter
* Underwrote conforming loans to Investors, using AUS and the overlays for the chosen company
*Adhere to Fannie Mae and Freddie Mac guidelines
*Analyzed income, assets, credit report, real estate property appraisals.
*Underwrote for specific president club loan officers and specialized in self employed borrowers
*Determined MI and responsible for ordering MI from chosen MI company
*Evaluated the financial strength of borrowers to determine risk and repayment capacity

2. Debra Cline Resume, page 2
Chase, Washington Mutual, PNC ( PNC sold to Washington Mutual who was sold to Chase)1997-2012
Chase Underwriter
*Underwrote conforming and non conforming loans, Harp and Harp Refi Plus
*Reviewed credit report, income documentation, including all personal and business tax returns.
*Reviewed asset statements to determine what percent of assets were allowable to be used for
qualification based on current policy.
*Reviewed appraisal to determine if property was loan worthy.
*Worked with the MI companies to determine if loan was MI qualified.
*Mentored new underwrite hires
Washington Mutual, Processor / Underwriter
* Processed for President Club loan officers
*Approved DU loans for myself and other team members
* Assisted mgr with loan tracking, updated and dispersing loans, resolved questions and issues with
conditions that team members had. Mentored new hires
*Promoted to Underwiter in 2007
*Was chosen to be placed on the Washington Mutual Employee Lending Team
* Underwrote conforming, non conforming, self employed borrowers.
*Reviewed income, asset documentation.
*Reviewed appraisals
PNC, Processor
*Processed loans by opening, reviewing loan documents, if LP approved then conditioned accordingly
*Provided excellent customer service when calling customers. Always went out of my way
to show my smile through the phone.
* Worked with borrowers to clean up their credit report and
work with them to solve all those issues prior to sending the files to underwriting if not LP approved.
*Successfully processed some of the most challenging loan applications