BARBARA K ELDALY (252)237-9038 barbkuehl@aol.com

UNDERWRITING & COMPLIANCE PROFESSIONALAuditing | Policies & Regulations | Risk Management

SUMMARYTop-performing Underwriting and Compliance Professional with extensive experience conducting financial analysis and supportive operations within the mortgage process. Highly adept in credit, lending, and federal regulations. Extensive customer service experience. Skilled in collaborating with all members of the organization to achieve business and financial objectives. Possesses exemplary communication skills and excels in demanding, fast-paced environments.

Underwriting Credit & Income Analysis Subordinations Risk Assessment

Post-Closing Secondary Marketing Debt-to-Income Ratios Lock Desk

Customer Service Title/Appraisal Review Investor/Insurer

Regulations Problem Resolution

P R O F E S S I O N A L E X P E R I E N C E

Wells Fargo Home Lending Raleigh, NC 2014 – 2016Consumer Loan Underwriter

Reviewed loans that have been submitted by Home Preservation Team for cancellation, and made certain all options are examined prior to cancellation of modification request.

Completed 2806 accurate modification reviews in 2015, (255/mth), with 155.97% to team average. Audited FHA, VA, USDA, FNMA/FHLMC, and Owned loans for quality assurance and compliance Evaluated and edited loan documentation accuracy. Perform quality review of complex credit documentation, financial statements and communicate

decisions with CRT (Cancellation Review Team) partners. Maintained accurate knowledge of Wells Fargo Credit policy and guidelines of specific investor groups.

Wells Fargo Home Mortgage Raleigh, NC 2012 – 2014Loan Document Specialist

Managed high volume pipeline request of HARP (Home Affordable Refinance Program) loans, including exception loans, second level reviews of declined loans and property type discrepancy.

Assigned loan request to 16 underwriters according to level of review required. Average volume 150 loans per day, while maintaining 48 hour turnaround time. Reported daily production to upper management.

Quality reviews of loan documents before submission and assignment to fulfillment sites. Developed internal procedures for LDS function, including defining the variance and second level

review process.

RBC Centura Bank Rocky Mount, NC 2011 – 2012Subordination Supervisor

Prepared subordinations for closing, coordinated with all parties to meet closing date. Reviewed title work for clear title, addressed title discrepancies with title companies. Managed subordination pipeline.

Barbara K ElDaly Resume, Page 2Sidus Financial/First Mortgage Corp Greenville, NC 2010 – 2011Post-Closing Auditor

Integral member of the Sidus Wholesale Post Closing Division that was in charge of over 2 billion in Government and Conventional loans.

Supervised post funding audit of Conventional/Government loan products in compliance with investor documentation and guideline requirements.

Prepared electronic case binder for submission including stacking, scanning and transmitting loans to investors.

Instructed external and internal business customers to correct closing issues, document execution errors, title issues, and system discrepancies discovered during post- closing review.

Administer collateral files were properly accounted for and sent to the appropriate investor in a timely manner.

RBC Centura Bank Rocky Mount, NC 2009 - 2010Lock Desk Specialist

Oversaw rate locking, loan pricing on all Secondary Mortgage loans nationwide. Handled on a daily basis an average of $20 Million in locked loans.

Maintained secondary marketing pipeline for Conventional and Government loans. Directed verbal and email correspondence with Mortgage loan officers, processors and closers.

BB&T 2005-2008Retail Loan Document Specialist II

Audited retail mortgage loan documents for accuracy and conformity with BB&T guidelines of state and Federal requirements.

Achieved a minimum accuracy of 99.9% and awarded the Shining Star award for accuracy and volume. Provided internal online and by phone support for BB&T branches nationwide.

E D U C A T I O N & T E C H N I C A L S K I L L S

Louisburg Jr CollegeJ.O. Sanderson

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