Deborah J.

Voelkel-Greene 207 Garnet Court Fort Mill, SC 29708 803-322-8692 Seeking a position that will utilize and challenge my 30 years of solid experien ce in virtually every facet of mortgage lending from loan origination, processin g, underwriting, escrow, closing, to quality control/compliance and post audit. Positions have been progressively responsible from Head Direct Endorsement Under writer/Manager to Branch Manager to Manager of Quality Control/Compliance and Go vernment Lending. Mortgage broker, mortgage banker and banking experience. *15 years extensive computer experience. * By nature mature, self-motivated, talented and a creative thinker. SKILLS SUMMARY: North Carolina Licensed Loan Officer and manager with extensive experience in residential mortgage lending. Skilled in federal and state regulations, compliance requirements and Sub-Prime, FHA/VA, FNMA and FHLMC guidelines. Excellent background in sales, customer service, human resource management, operations management, project management, product development and delivery, policies and procedures, problem solving and technolog y application. Entrepreneurial, creative thinker with attention to detail, stron g analytical and decision making capabilities. Excellent interpersonal communica tion skills. Proficiency in Microsoft Office products WORK EXPERIENCE: DELEGATION OF AUTHORITY ANALYST 2009 to 2010 Wells Fargo Home Mortgage Underwrite candidate test case reviews to determine ability to receive underwrit ing authority with Wells Fargo Home Mortgage. Review, critique and analyze FHA/V A, FNMA and FHLMC test case submissions. QUALITY CONTROL ANALYST 2008 to 2009 Wachovia Mortgage F.S.B. Reviewed closed loan production to ensure compliance with federal and state lend ing laws and FNMA, FHLMC and FHA/VA lending requirements. MORTGAGE LOAN COUNSELOR 2008 to 2009 Wachovia Mortgage F.S.B. Inside sales consultant calling on company generated leads. Originated mortgage loan production. BRANCH MANAGER/VICE PRESIDENT 2006 - 2007 M/I Financial Corporation, Charlotte, NC Managed operations of a full retail mortgage branch, owned by builder, including origination, underwriting, loan processing, pricing, and closing/funding functio ns. Managed a 5 member team of non-exempt branch employees. Responsible for capt ure rate, customer service, quality control, pipeline management and meeting pro fitable objectives. Experienced with Unifi Pro, TMO and numerous other originati on systems. Responsible for relationship building/management with division presi dent, sales management, closing coordinator and sales partners. Also responsible for weekly sales meeting with sales partners and social calls to builder subdiv isions. Monitored and managed via numerous reports. PRODUCTION OPERATIONS MANAGER

2004 - 2006: Home Credit Solutions/Wells Fargo Home Mortgage, Fort Mill, SC Managed the operations of a mortgage production function including underwriting, loan processing, pricing, and pre-closing tasks. Managed a group of 12 non-exemp t employees, which involved making decisions relative to performance reviews, term inations, hires, discipline, salary actions, etc. Responsible for reviewing and handling escalated issues related to underwriting, processing and customer service. Utili zed underwriting authority to make profitable business decisions and exceptions on non-prime mortgage loans. Formulated procedures, policies and methods which d irectly affect the work unit and has an indirect affect on other departments and outside customers. Managed projects which primarily impact functional area or s pecific department. MORTGAGE CONSULTANT 2002 - 2004: Bankers Guarantee Title & Trust Company, Fairlawn, OH Originated conventional, FHA/VA, Sub-Prime, Construction/Perm and HELOC mortgage s By soliciting realtors, referrals and company generated leads. Top Sales 2003 COMPUTER CONSULTANT 1997 - 2002: Cap Gemini Ernst & Young, Hudson, OH PRESIDENT 1993 - 1997: PDQ Mortgage Services, Independence, OH Contract mortgage services. Processed, underwrote, prepared closing docs, escrow and quality control/compliance services to banks, mortgage bankers and brokers o n FHA, VA and Conventional loans. Created computer network, maintained systems and programmed computer systems. Originated mortgage loans with a small mortgage br oker-Family Home Mortgage. Managed 15 employees. Coordinated and delegated workflow. Performed sales and marketing of company to lenders. Prepared training program and trained loan officers and loan processors in gover nment lending. QUALITY CONTROL/COMPLIANCE AND GOVM'T LENDING MGR. 1989 - 1994: Trans Ohio Savings Bank, Cleveland, OH Setup and developed quality control systems and compliance monitoring/reporting to meet FNMA/FHLMC and FHA/VA requirements. Worked closely with, and reported to , Executive Officers. Oversaw government underwriting criteria and developed policies. Developed trend analysis database for use in default projections. Developed department and reporting system. Managed 10 direct employees and 15 non-direct. P&L and projected budgeting responsibility. BRANCH MANAGER/AVP 1987 - 1989: Countrywide Funding, Beachwood, OH Originated and underwrote conventional, FHA and VA mortgages. Responsible for P&L and projected budgeting, hiring, training, coaching and meeting profit goals and objectives. Brought office to profitable position within 6 months. Signatory authority on Conventional and FHA loan approvals.

Managed 3 employees. MORTGAGE LOAN ORIGINATOR 1986 - 1987: Marathon Mortgage Corp., Cleveland, OH Originated FHA/VA and conventional mortgage loans. Won trip to Disney World for most loans originated HEAD D.E. UNDERWRITER/MGR. 1981 - 1986: Mortgage Executives, Inc., Cleveland, OH Underwrote FHA mortgages FORMAL EDUCATION: LAKELAND COMMUNITY COLLEGE Continuing Education Mentor, OH TRINITY UNIVERSITY BS, Information Systems and Technology, 1999 OHIO UNIVERSITY Lifelong Learning Program Athens, OH OHIO PARALEGAL INSTITUTE Cleveland, OH CLEVELAND STATE UNIVERSITY Cleveland, OH .