revised resume

1. BARBARA K ELDALY
(252)237-9038 barbkuehl@aol.com
UNDERWRITING & COMPLIANCE PROFESSIONAL
Auditing | Policies & Regulations | Risk Management
SUMMARY
Top-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 customerserviceexperience. 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
PROFES S IONA L EX P ERIENCE
Wells Fargo Home Lending Raleigh, NC 2014 – 2016
Consumer 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 – 2014
Loan 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 – 2012
Subordination 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.

2. Barbara K ElDaly Resume, Page 2
Sidus Financial/First Mortgage Corp Greenville, NC 2010 – 2011
Post-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 - 2010
Lock 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 2005-2008
Retail 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.
EDUCATION & T ECHNICAL SKILLS
Louisburg Jr College
J.O. Sanderson
Imaging Content | MSP | CPI | AACER | PACER | ERLMF | WebQuery | Microsoft office | FHA Connection |
LPS Web Direct | LPS Black Knight