DIONNE HENDERSON

Jonesboro, GA 30236
dh10b7e9a@westpost.net
M: 678-595-7603
EXPERIENCE
Convergenz 08/10 - Present
Fannie Mae (Contractor) Central Repurchase Team Underwriter, Atlanta, Georgia
Provide risk, transaction and credit analysis on loans delivered within the seco
ndary market
Issue repurchase reaffirmations or rescission recommendations based on the signi
ficance of underwriting and loan quality deficiencies
Perform investigation of eligibility criteria based on selling guide and negotia
ted terms of business
Insure compliance with applicable policies, procedures, regulation and laws
Execute technological requirements to insure production and quality in rebuttal
decisions
Interact with Seller/Servicers, Internal and External Stakeholders to resolve re
purchase requests
Freddie Mac 01/05 - 06/07
Sr. Transaction Management Consultant, National Lending* Sterling, Virginia
Sr. Credit Manager, Regional Lending *Atlanta, Georgia
Monitored lenders in assigned territory for compliance with regulation and laws
Reviewed customer methodologies for soundness including impacts of algorithmic a
nd proprietary processes to sound lending
Validated the accuracy and authenticity of transactions and records as compared
to internal policy and external regulations
Identified, researched, evaluated internal and external trends impacting operati
onal efficiency or financial solvency
Facilitated knowledge transfer and framed concepts for decision makers and all l
evels of impacted audiences to effectively resolve issues
Identified risk related issues at all levels including key person dependencies,
legacy infrastructures and rules based analysis
Provided written reports and oral presentations summarizing examination findings
and recommending effective actions to mitigate risk
Subject matter expertise for special projects and ad hoc committees
Traveled- 50% of time to assigned customers for participation in risk and collat
eral assessment including scrutiny of asset quality, capital requirements and te
chnology impacts
Prepared detail oriented, timely and precise oral and written communications
Led team in providing research analytics for efficiently approving negotiated te
rms of business by providing deal transaction management
Negotiated with internal and external parties driving results to achieve critica
l milestones to the Sponsors, Stake-holders and Sub-Process Owners

Senior Underwriter (SU) and/or Senior Loan Processor (SLP) Roles:

JP Morgan Chase, SU, Atlanta, Georgia 09/02-12/04

Taylor, Bean & Whitaker, SU, Atlanta, Georgia 06/01-06/02
Regions Funding; Regions Bank, Atlanta, Georgia 10/00-06/01
Amtrust Mortgage Corporation, SU, Atlanta, Georgia 05/98-10/00
Universal American Mortgage; SLP, Miami Florida 05/96-05/98
Griffin Federal Savings Bank, SLP, Atlanta, Georgia 01/93-05/95
Approved or denied FHA, VA, Fannie Mae, Freddie Mac and Non-Conforming credit r
equests within assigned loan limits for the most complex transactions
Trained Contractors, Loan Officers, Underwriters, Loan Processors and Lenders o
n guidelines, technology and best practices
Insured regulatory compliance with Federal, State and Local laws
Recommended adverse action, counteroffers, credit enhancements and other methods
as risk mitigation alternatives
Audited transactions for fraud and regulatory compliance
Participated in Closing, Post-Closing and Servicing related audits of loans
Provided Senior Management reporting
Maintained standard for quality, turnaround time, productivity and data accuracy
.
Communicate with impacted parties of the loan transaction to facilitate all aspe
cts of of the loan from origination through seller and servicing
Navigates mortgage and finance software applications, including Desktop Underwri
ter, Loan Prospector and proprietary Automated Underwriting Systems insuring the
accuracy and integrity of risk analysis
Stays current of and accurately applies GSE, proprietary products and investor s
pecific guidelines in the analysis of submitted loan files.
Establishes and maintains good customer relations through personal interaction w
ith targeted accounts.
Leads lender calls.
Executes quality control procedures including monitoring territorial real estate
/economic conditions and staying abreast of market trends
Monitors risk quality and participates in operational reviews for internal and e
xternal parties

EDUCATION

Dual Bachelor of Business Administration

Georgia State University
Robinson School of Business, Atlanta GA
Finance 8/07-8/09 (3.3) | Operations Management 8/09-5/10 (3.1)
Skills in project management, negotiation, corporate finance, capital budgeting,
value chain management, international finance and strategy.
Demonstrated ability to design, operate and improve business processes to achiev
e operational excellence.

CREDENTIALS & ASSOCIATIONS

FHA Direct Endorsement # AC66| Veteran Administration (VA) SAR # 10288
Webmaster, B2BDC: GLBT Employee Network Group - Freddie Mac
Founder, Non Traditional Student Association - Georgia State University