Caroline Deysach has over 15 years of experience in wholesale and retail mortgage banking. She currently works as a Research and Remediation Analyst at Wells Fargo, where she analyzes repurchase demands and deficiencies. Previously she held underwriting roles at Countrywide Bank and processing roles at National Independence Mortgage Corporation. She is proficient in underwriting, guidelines, and systems like Collateral Underwriter. In her free time she volunteers with Special Olympics and Habitat for Humanity.

1. CAROLINE DEYSACH
EXPERIENCED RESPONSIBLE EFFICIENT ACCURATE
ABOUT ME
Experienced career wholesale and retail mortgage banking professional
An effective underwriter with the skills necessary to analyze files, direct, train, and motivate staff to its fullest potential
MY EXPERIENCE
Wells FargoHome Mortgage
Researchand Remediation Analyst 4 for CapitalMarkets, August 2010 - Present
 AnalyzedGovernment SponsoredEntityandNon-Agency(private investor)Repurchase and
Alternative RemedyDemands for Retail andCorrespondent Business lines by
researching deficiencies (inbothoriginationand/or servicing)through multiple resources
including- but not limitedto - underwriting guidelines, servicingnotes,reviewof the original
underwritingfile, credit report review, Lexis Nexis, andMaster Agreements thencomposed
appeal letters or made repurchase recommendations.
 Focusedon demands including deficiencies relatedto Mortgage Insurance andPropertyValue.
Additionallyhave experience analyzingdemands withtitledefects as well as underwriting errors
and misrepresentationonthe loan.
 Assessedthe impact of FNMA’s Collateral Underwriter onrepurchase demands bycreating
monthlyreporting, andtrackingtrends.
 Worked directlyon the mergingof Wachovia’s repurchasing activityintoWellsFargo Home
Mortgage, including the client 512 WorldSavings andLoanportfolio andHome Equity’s MEL
portfolio.
 Served as Department Trainer for new Analysts, included creatingtraining materials.
Manpower-WellsFargoHome Mortgage
Repurchase Underwriter, February2009 - August 2010
 AnalyzedAgencyRepurchase Demands byresearching deficiencies through multiple resources
includingbut not limitedto underwriting guidelines, servicing notes, the original underwriting file,
credit bureau, LexisNexis, andMaster Agreements thencompose appeal letters or make
repurchase recommendations.
 Analyzedrepurchase demands for Wells Fargoloans soldto U.S. Bank, andrepurchase demands
and mortgage insurance rescissions on Servicing Acquiredloans from Credit Susie, Taylor Bean,
and AmTrust among others.
 Operatedas a part of the Wachovia/Vertice repurchase demandproject which will analyze
repurchase demands for loans originated throughWachovia Mortgage or the Vertice Brandby
researching through several additional systems such as IT Turbo, edocs, CIB FileNet, and Wachovia
PUGO.
 Tracked and escalateed repurchase demands withpending short salesthroughcommunication
with WellsFargo’s ServicingDepartment, WellsFargo’s Investor Services, Wells Fargo’s MI
ResearchTeam, andFHLMC’s QualityControl.
RELATED EXPERIENCE
PROFICIENT AT ANALYSIS OF:
Residential Title Work
Residential Appraisal
Consumer Credit Reports
All varietyof income andasset
Documentation
Mortgage Pricing
Fannie Mae Guidelines
Freddie Mac Guidelines
Master Agreements
AutomatedUnderwriting Systems
FNMA Collateral Underwriter
Repurchase Operations
Mortgage LoanFraud Investigation
RELATED SKILLS
MICROSOFT EXCEL
MICROSOFT WORD
MICROSOFT OUTLOOK
MICROSOFT SHAREPOINT
MICROSOFT PUBLISHER
MICRSOFT POWERPOINT
FNMA COLLATERAL UNDERWRITER

2. CAROLINE DEYSACH
EXPERIENCED RESPONSIBLE EFFICIENT ACCURATE
MY EXPERIENCECONTINUED
TranCentral
Account Administrator, February2008 – January2009
 Reconciledfunding packageson Business to BusinessAR (accounts receivable) financingfor the
Transportation andLogistics industriesto meet dailyfundingdeadlines andprovidedcustomer
service to clients.
Countrywide Bank
Wholesale Underwriter Associate, June 2005 – December 2007
 Underwrote conformingresidential mortgage loanfiles
 Signed off onandclearedconditions onmortgage loan files.
 Providedcustomer service to affiliatedmortgage brokers.
 Responsible for underwriting volume fromseveral wholesale mortgage account executives.
ReMax Results, The Perkins Team
Administrative Assistant, November 2004 - June 2005
 MaintainedReal Estate Buyer andSeller client database.
 Scheduled propertyshowings andcalls for feedback.
 Processedand maintained RealEstate transactionfiles fromstart to close.
 Providedcustomer service to Real Estate clients.
 Assistedinthe creationof marketing materials.
NationalIndependence Mortgage Corporation
Processing andOperations Manager, March 2001 - November 2004
 High-profile executive accountable for implementation ofcorporate policyand process flow.
 Managedand trainedall companyprocessors, assuredcontinuityinall aspects of the loan
process.
 Assuredandenforced strict compliance withall regulations affectingresidentialmortgage lending.
 Liaison for title company, appraisalcompany, investor, corporationa nd client.
 Active manager leadingbyexample at all times.
World Savings andLoan
Wholesale LendingOfficer Assistant, January2000 – March 2001
 Executive Assistant to top performingAccount Executive at branch ofNation’s #2 Savings and
Loan.
 Performedcredit analysis, packaging ofwholesale andretail mortgage loans.
 Worked directlywith affiliated mortgage brokers assuringsmoothtransactionprocessand
relationshipdevelopment.
 Negotiated and securedterms, pricing andconditions for mortgage loanfiles.
Temple Inland Mortgage / GuarantyResidential Lending
Wholesale LendingOfficer Assistant January1998 - December 1999
 Took all incomingrate locks andestablishedmortgage loanpricing.
 Maintainedloanpipeline report department-wide, entered all applicable data.
 Assistedunderwriting with collection ofrequireddocumentationfor final loan approval.
 AssistedAccount Executives in office andin field.
MY ACTIVITIES
SERVED ON THE “FUN
COMMITTEE” AT WELLS FARGO
HOME MORTGAGE
SPECIAL OLYMPICS VOLUNTEER
HABITAT FOR HUMANITY
VOLUNTEER
ACTIVE IN CHURCH
MY INTERESTS
TRAVELING
CINEMA AND THEATRE
MUSIC
HOME IMPROVEMENTS
FAMILY