Aaron Owen Email & Phone Number

Oklahoma City, OK, US

Sandy, Utah, US

• Responsible for reviewing and analyzing Conventional, FHA, USDA loans in accordance with Fannie Mae, Freddie Mac, HUD, FHA, USDA, and investor guidelines, including appraisal, title, and credit review.
• Issue clear and precise conditions while collaborating with processors and loan officers to provide ongoing training and optimize turnaround times.
• Respond to questions and scenarios posed by branches regarding loan structuring and documentation to streamline the underwriting process and ensure salability.

Tulsa, Oklahoma, US

• Identify exceptions related to noncompliance or operational concerns within both FinTech/BaaSpartnerships and traditional banking operations that may lead to potential losses, and effectivelycommunicate these findings.
• Responsible for overseeing compliance testing related to Regulation E (Electronic Funds Transfer Act),CAN-SPAM Act, E-Sign Act, website and mobile application compliance, marketing collateral, feedisclosures, virtual.
• Research state and federal laws and regulations applicable to the testing conducted and updatedcompliance testing work papers.

Denver, Colorado, US

• Managed contracts, including overseeing budgets, reviewing and submitting payment requests,developing contract amendments or option letters, reviewing quarterly reporting, and monitoringcontract performance measures.
• Provided technical assistance to grantees or borrowers.
• Developed and conducted on-site monitoring reviews to determine compliance with contractrequirements and to detect possible violations of local habitability code and/or HUD housing qualitystandards (HQS).
• Developed monitoring compliance letters; review grantee monitoring replies to ensure compliance with required federal and state regulations.

Huntsville, Alabama, US

• Responsible for reviewing, analyzing, and decisioning Conventional/FHA/USDA loans to Fannie Mae, Freddie Mac, HUD, FHA, USDA and investor guidelines including appraisal, title, and credit review.
• Issue clear and precise conditions while working collaboratively with processors and loan officers to continuously train through experience and optimize turn times.
• Consistently exceed SLA requirements for both initial and re-submittal underwriting reviews while also maintaining a strong track record of on-time closings.
• Respond to questions and scenarios posed by branches on ways to structure and properly document loans to help streamline the underwriting process & ensure salability.
• Review and analyze companywide post-closing investor suspense conditions to determine the appropriate course of action for timely loan purchases.
• Act as liaison between branch and investors for non-delegated loans as the only designated Non-Delegated Support Underwriter to ensure that loans are closed meeting all investor requirements.

San Diego, California, US

• Pre-underwrote and scrubbed initial submissions in Encompass prior to underwriting (completing 1003, document indexing, calculating income, reviewing credit and assets, completing initial fraud review, and adding.
• Submitted loans through an automated underwriting system such as Desktop Underwriter (DU) or Loan Product Advisor (LPA) and updated the loan file based on feedback provided.
• Reviewed and cleared conditions as documentation is provided by both internal and external parties.
• Ensured loans adhere to legal, regulatory, investor, agency, and internal requirements.
• Assessed fraud indicators and reported suspicious activity according to company policy.

US

• Responsible for leading the TILA-RESPA Integrated Disclosure (TRID), Reserve Requirements (Regulation D), Garnishments, Year-End Tax Reporting, Non-Deposit Investment Products, and Home Mortgage Disclosure Act (HMDA).
• Assisted in testing for compliance with the Fair Credit Reporting Act (FCRA), Community Reinvestment Act (CRA), Flood Regulations, Credit Card Regulations, Appraisal Regulations, Real Estate Settlement Procedures Act.
• Complete supporting test-work and documentation in a professional and timely manner in accordance with compliance procedures and departmental standards.
• Identify exceptions related to noncompliance or operational areas of concerns that may impact the banks regulatory, financial, or reputational exposure and communicate those findings or operational best practices to.
• Research laws and regulations applicable to the testing conducted and update compliance testing work papers, as appropriate.

Greenwood Village, CO, US

• Consistently close a minimum of 50 loans (Conventional, FHA, VA, HUD-184) a month by managing the closing pipeline and working collaboratively with all parties to meet closing deadlines.
• Participate in weekly meetings with the Business Process Improvement and programming teams by acting as subject matter expert and liaison between departments to improve closing processes and technology.
• Timely reconciliation of Closing Disclosures/Settlement Statements provided by title companies with company Loan Origination System for accurate generation of both initial and final Closing Disclosures.
• Prepare closing documents that are accurate and meet both company and regulatory guidelines.

Highlands Ranch, Colorado, US

• Liquidated loans in an accurate and timely manner in excess of approximately $15MM monthly upon the receipt of funds for loans held by large private market investors.
• Prepared final investor certification to provide assurance of payoff, details of liquidation and reconciliation.
• Maintained good working relationships with other dependent departments to manage current workflow and assist management in projecting future workload.
• Reconciled custodial escrow accounts as well as monthly investor remittances and identified and resolved discrepancies through account research and escalation when necessary.

Oklahoma City, Oklahoma, US

• Worked with borrowers at different stages of delinquency to find solutions and make risk-based decisions beneficial to both the borrower and the credit union in an effort to minimize sustained losses.
• Wrote and developed the credit union's loss mitigation policy manual in close collaboration with the Compliance Officer and legal counsel to document workflows in an effort to standardize collection activity across all.
• Implemented process to evaluate and re-underwrite the origination loan file in order to identify potential red flags of future default and provided reporting on error trending to management for continual training.

Oklahoma City, Oklahoma, US

• Consistently closed approximately 30 loans a month by managing the closing pipeline and working collaboratively with both loan officers and the operations team to provide updates and continuously manage borrower.
• Reviewed and cleared all prior to close and prior to fund underwriting conditions by working with the title company to procure and review required documentation as well as reviewing credit, income and asset.
• Prepared closing documents, issued closing conditions and reconciled HUD-1 Settlement Statements provided by title companies with fees and amounts in the credit unions LOS to verify the integrity of data and to monitor.
• Assisted mortgage operations department by performing loan opener duties and working with borrowers and other outside parties to gather documentation required to clear outstanding underwriting conditions.

Edmond, OK, US

• Responsible for training all new hires on all audit types performed by the department including HAMP, HARP, Foreclosure Compliance and Delinquency Compliance in addition to serving as the point of contact for questions.
• Facilitated communication with clients when disputes over the materiality or accuracy of findings arose and continually provided superior customer service resulting in mutually agreeable resolution.
• Performed audits and provided written reviews detailing identified errors and discrepancies for multiple institutions and investors ranging from small regional banks to the largest secondary market securitizers.

US

• Reviewed and provided final approval for company bids on foreclosure sales to ensure accuracy and compliance with both company and investor risk and loss matrices.
• Audited and provided final approval for payoff figures, reinstatement figures, and judgment satisfaction figures after verifying that all applicable fees and costs were included and that no additional losses would be.
• Proactively developed an in-depth knowledge of foreclosure procedures and foreclosure regulation.

US

• Processed tax, insurance, utility and attorney checks on a daily basis ensuring that all remittances were sent to the correct party.
• Monitored and maintained accountings of all outstanding checks and pending transactions for the department to verify that funds received and remitted were handled appropriately and in a timely manner.
• Cross-trained with the bank reconciliation department to further develop my understanding of mortgage accounting and assisted with end of month account balancing and reconciliation.

US

• Answered general information inquiries from mortgagors ranging from questions on subjects ranging from escrow analysis and payment processing to loss mitigation and foreclosure proceedings.

Phoenix, Arizona, US

• Trained and supervised associates to assure customer service standards were consistently met and that policies and procedures were adhered to.
• Empowered a team of associates to meet personal and company goals using a coaching and mentoring leadership style.
• Maintained cash integrity processes and reconciled both registers and safes on a daily basis to mitigate potential company losses.

Master Of Business Administration (Mba), Business Administration And Management, General

Bachelor Of Business Administration (B.B.A.), Finance, General