Amphone Yang Email & Phone Number

United States

United States

St. Paul, Minnesota, Us

Los Angeles, Ca, Us

Complete review of the residential mortgage loan file documentations to ensure accuracy and that regulation requirements are met. Reduce the risk to the organization by validating data and the completion of the loan file documents prior to the loan moving forward to closing and funding. Quickly identified and resolved discrepancies to ensure all loan files are in full compliance with all Federal and State rules, regulations and laws governing mortgage lending by monitoring, testing, auditing, and validating data.Re-underwriter & re-verify loan documents pursuant to AUS findings or manual loan approval per quality control guidelines.Rebuttal internal and/or 3rd party audit findings. Update Residential Lending polices & procedures, maintain department logs for adverse files, imaged loan files and post closing documents. Correct all documentations and or system deficiencies as required per the approved checklist to ensure the successful delivery of the closed loan to agencies or investors. Communicate with internal staff on compliance requirements, address and resolve all loan finding audits. Research & respond to compliance inquires from operation teams & sales staff using legal counsel and compliance engines.

Westlake Village, California, Us

Responsible for operational management of loans within an assigned client segment and the key internal contact for all loan level and strategic fulfillment issues with focus on feedback to both internal and external customers on loan quality and operational efficiency as well as client consulting and advocacy. Responsible for the end to end client experience of funding loans with PennyMac, lead on-boarding and training for new employees. Conduct quarterly book reviews and loan level file review with senior management. Interact with multiple departments to expedite processing and/or issue resolution.

Calabasas , Ca, Us

Assist Compliance manager with delivering timely and accurate compliance testing on Consumer & Business purpose loan transactions and to identify areas of risk & implement processes to ensure compliance with applicable laws, rules and regulations. Conduct end to end internal audit reviews, responding to and clearing exceptions for loans that are being traded on the secondary market, compiling deficiency findings for various reporting purposes and providing guidance & training when needed. Track, research & respond to compliance inquiries from operation teams & sales staff. Assists with the development of policies, procedures, and companywide training

Los Angeles, Ca, Us

Provided organizational support for a variety of regulatory procedures to include document review process, as well as performing transactional audits of mortgage documents and production. Identify gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Work with Compliance Officer with regulatory examinations, internal audits and to create or modify compliance related documents as needed. Research compliance law (State and Federal) for implications bank’s business units and serve as resource & respond to business units on regulatory compliance related inquires.

Minneapolis, Mn, Us

Participates in projects and/or activities that ensure compliance with applicable federal, state and local laws and regulations. Identify gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Identifies, responds and/or escalates risks as appropriate. Serves as a functional liaison between the Line of Business and the Lines of Defense. Provide team training to insure the highest quality across all activities

Maintain company books including A/P, A/R, bank statements and other reports.• Reconcile and balance accounts• Manage employee payroll services• Record cash receiptsIssue financial statements as and when required

New York, Ny, Us

Analyzed and underwrote individual consumer requests and products. Reviewed loan documents for accuracy and completion. Ensured proper level of risk, credit score, debt ratio, loan-to-value, etc. and collected missing information from applications. Utilized an automated scoring system and traditional underwriting processes to quickly assess applicant(s). Evaluated collateral to ensure property met loan standards for FNMA, FHLMC, MHA, Conventional, and HARP Loans.

New York, Ny, Us

Focused on ensuring modification requests met product and program standards, submitting files for pre-foreclosure. Reviewed financial statements, tax returns, credit reports, appraisals, etc. to identify the best possible workout alternatives. Ensured proper level of risk, credit score, debt ratio, loan-to-value, etc. and collected missing information from applications so that it is in compliance with all guidelines and laws.Helped control expenses related to property disposition.Received an award for outstanding quality performance, 2011.Team LeadUtilized expertise in HAMP loan

Associate Of Science (As), Legal Assistant/Paralegal

Associate Of Science - As, Law