1. Marybeth Neagle
207 Pine Ridge Road
Aylett VA 23009
804-647-9025
marybethneagle@gmail.com
PROFESSIONAL EXPERIENCE:
Citizens Bank, Richmond, VA November 2011-present
Underwriter III, HLS
 Same basic underwriting functions as described in previous CCO Mortgage description
 A focus on Construction mortgage applications while still underwriting conventional & bank portfolio
products
 Emphasis on analyzing self employed applicants with business returns, sometimes numerous
 Underwrite typically larger loan amounts with well qualified borrowers with large assets
 Assist in training new underwriters
SunTrust Bank, Richmond, VA October 2011-November 2011
Underwriter III, Correspondent Quality Control
 Review files submitted for purchase from delegated lenders for compliance with all applicable guidelines
(Fannie Mae, Freddie Mac, & SunTrust).
CCO Mortgage, Richmond, VA November 2010-October 2011
Senior Mortgage Underwriter
 Review complete mortgage loan application files obtained from bank branch associates & outside sales
loan officers
 Verify & validate all documents in file
 Ensure all Desktop Underwriter conditions are satisfied & that data submitted to Desktop Underwriter is
accurate
 Underwrite & carefully scrutinize appraisals to ensure value offered is supported & sufficient for loan
request
 Offer approval or denial & prepare the appropriate customer letters
 Clear loan conditions when acquired from processors & approve file for closing preparation
Quality Control/Risk Management Auditor
 Review Loss Mitigation files to ensure compliance with guidelines & regulations for Fannie Mae, Freddie
Mac, & Making Home Affordable
 Prepare quarterly report for review by upper management & outside compliance auditors, when requested
 Write QC/Risk Management Policies & Procedures for Loss Mitigation
 Working knowledge of most current changes, deletions, or additions to any guideline (Fannie, Freddie, or
Making Home Affordable), pertaining to assisting borrowers find alternatives to foreclosure
 Facilitate various training sessions, such as introducing new guidelines, income verification & fraud
detection
 Assist in the implementation of a Risk Management Department in the Secured Real Property Problem
Debt Management Department
Capital Center, LLC, Richmond, VA March 2010-October 2010
Loan Consultant
 Establish contact with mortgage loan applicants & ensure the information provided on the application is
correct

2.  Pull tri-merged mortgage credit report & validate the information to ensure no suspicion of fraudulent
activity
 Obtain a tax assessment for subject property prior to full appraisal in attempt to ensure value is sufficient
for appropriate loan-to-value ratio
 Submit all data to Fannie Mae’s Desktop Underwriter
 Prepare approval or adverse action letter based on loan decision recommendation & condition all approvals
accordingly
 Ensure compliance with all Federal home lending regulations
 Verify income & assets documentation provided by applicants in response to loan approval conditions
 Validate that all loan documentation satisfies Desktop Underwriter conditions & mortgage meets all
Fannie Mae salability requirements
 Remain as point of contact for borrowers throughout the loan closing process
CCO Mortgage, Richmond, VA November 2009-March 2010
Loss Mitigation Specialist
 Review applications for mortgage modifications
 Ensure required documentation is in Loss Mitigation file for qualification
 Verify the validity of information to ensure request is not fraudulent
 Perform required qualification tests for the Home Affordable Modification Program
 Make customer contact throughout the review process
 Explore other foreclosure alternatives if the borrower/applicant does not qualify for the HAMP
modification
Capital One Financial, Richmond, VA December 2008-September 2009
Credit Analyst
• Analyze credit bureaus, and other financial related information to determine consumer credit worthiness
Make credit card lending decisions to approve/decline and or set credit line
• Analyze current accounts to determine level of credit risk
• Evaluate and interpret trade line credit bureau data
• Utilize customer, and/ or applicant information, review credit bureaus, account behavior and payment
patterns to perform risk assessment
• Apply supreme amount of confidence adhering to Capital One lending philosophies and guidelines
• Develop and analyze credit criteria and strategies for core loan/credit line acquisition programs
• Proactively manage customer experience associated with credit limit decrease action
American General Financial Services, Richmond, VA June 2008-December 2008
Loan Officer
• Solicit new loans from previous, existing and potential AGFS customers
• Evaluate loan applications and work quotes for new loan proposals
• Make approval/denial recommendations for management review
• Verbally verify residence and employment
• Validate income from pay stubs or tax returns prior to approved loan closing
• Ensure compliance with regulations regarding denied applications
• Make required number of collection calls per day (25)
• Perform skip trace on borrowers with no contact
• Complete general litigation, forms, warrants in debt and initiate garnishments on wages
RF&P Federal Credit Union, Richmond, VA May 2007-March 2008
Loan Officer/Collections Manager/CSR
• Evaluate consumer loan requests.
• Verify collateral value.
• Perform applicable lending calculations to ensure compliance to guidelines max ratios for LTV & DTI.
• Inform applicants in a professional, caring manner of loan decision.

3. • Complete & close all required loan documentation for approved loans.
• Ensure proper security of collateral pledged for approved loans.
• Review delinquent accounts to determine if more extensive collection attempts are required.
• Order repossession of collateral on secured loans.
• Obtain values for all repossessed items.
• Assist with selling any repossessed autos.
• Keep daily log of new approved loans.
• Maintain accurate records of all collection attempts for each delinquent account.
Saxon Capital, Inc. Richmond, VA September 2003-May 2007
Senior Mortgage Underwriter
• Review & decision at least eight files a day.
• Verify all documents in file, to include customer identity & job validation, as well as collateral value.
• Assist in training new underwriters & sales account managers with Saxon’s programs & procedures.
• All other underwriting duties as previously listed below.
Bank of America, Richmond, VA
Senior Mortgage Underwriter 2000-2003
• Review decisions at least six files a day.
• Ensure compliance with the fair lending regulations.
• Evaluate requests outside of normal bank program guidelines for consideration as possible exceptions.
• Relay loan decisions to Bank of America sales executives and wholesale brokers.
Bank of America, Richmond, VA
Senior Credit Lender- National Direct Sales Center 1998-2000
• Review applicants’ credit reports, calculate loan ratios, & verify collateral values.
• Call applicants to relay loan decision.
• Propose alternative loan structures for any declined loans.
• Cross-sell other banking products.
• Answer a specific minimum required number of daily inbound phone calls.
• Fulfill all set quality assurance goals/standards.
NationsBank, Richmond, VA 1996-1998
Underwriter
• Review applicants’ credit & calculate applicable ratios to qualify for various consumer loans, including
autos & real estate.
• Relay loan decision to branch personnel.
• Find positive solutions to declined loans & present counteroffer.
Central Fidelity National Bank, Richmond, VA 1993-1996
Underwriter
• Review applicants’ credit & calculate applicable ratios to qualify for various consumer loans, including
autos & real estate.
• Relay loan decision to branch personnel.
• Find positive solutions to declined loans & present counteroffer.
Central Fidelity National Bank, Richmond, VA 1987-1993
Customer Service Representative
EDUCATION:
Virginia Commonwealth University

4. Radford University
Mary Washington College
Lee-Davis High School 1985
REFERENCES:
Sue Nash- 804-627-4979
Sonya Van Buskirk 859-516-3043
Christopher (Chip) Owens 804-814-9354