Andrew Lenox Email & Phone Number

Dallas, Tx, Us

Dallas/Fort Worth Area

Dallas, Texas

Irving, Texas

To independently execute each phase of the audit cycle, including planning, fieldwork and reporting, o Defined the audit universe based on the annual risk assessments of Originations, Servicing and Corporate processes, o Established an industry knowledge base comprised of state and federal government regulations (CFPB, RESPA, TILA, TRID, HMDA, LAR, ECOA), investor guidelines (FHA, VA, GSE, USDA), and other mortgage industry best practices, and o Managed a high performing team of 3 Senior Associates and 1 Experienced Associate through the completion of various audits including, sales, operations, underwriting, and compliance management systems.To meet aggressive deadlines, o Actively studied issues already identified by operational leadership, Quality Assurance metrics, Quality Control monthly reports, Compliance Department special reports, and previous Internal Audit evaluations. o Collaborated with senior management to set key milestones, evaluate timelines and allocate resources for each project, and o Served as a strategic partner to the Origination’s leadership by attending monthly business meetings, engaging SME to validate observations and collaborating with operational managers to set action plans designed to resolve any confirmed issues.

Dallas/Fort Worth Area

Aid three of the largest US banking organizations comply with an OCC consent order directive, (24 months) o Served on a special assessment team, designed to establish the data driven methodology used in reviewing mortgage servicing practices, o Developed the materials and served as lead trainer for the 115 Experienced and Senior Associates on-boarded to identify cases of financial hard, o Guided the client’s business line SMEs through remediation for 100,000+ accounts found to have an instance of borrower harm totaling over 30 million dollars and correcting the system of record.Aid a top tier mortgage servicing company assess GSE investor reporting operations, (18 months) o Performed an operational risk assessment to detect investor reporting non-compliance with servicing level agreements and resulted in a 97% improvement in reporting defects. o Conducted an operational procedure review that affect cash, remittance or reporting against the servicing guide for both Fannie and Freddie. The results of the gap analysis were provided to the client with recommendations for enhancement.Aid an international banking organization comply with the Enhanced Prudential Standards, (12 months) o Developed a target operating model to direct the funding and liquidity operations of four entities subject to the F.B.O. requirements, including a depository institution, broker/dealer and two branch networks. The model took into account treasury, risk, independent review and corporate governance needs and expectations.Reinvest into the firm at-large, o Served as Training Coordinator for the firm’s internal Lending-Community of Interest and worked with L&D, course developers and course sponsors to produce seven employee training courses. The course topics included mortgage servicing, commercial banking, banking regulations and auto financing. o Selected to be a course trainer for both the 2014 New Hire Conference, and the 2015 Experienced Associate Conference

Coppell, Texas

Conducted interviews with multiple staff members of the Investor Reporting department of a mortgage servicing company to analyze current work flows. The interviews were intended to investigate procedure variances among the staff and ultimately identify the most effective process that presents the least risk for senior management to adopt as the formal process.Developed an internal audit program for the department of Investor Reporting, Final Settlement and Corporate Advance Controllership. The protocols were used to periodically test associate and senior associate workflows for adherence to the standardized process. The internal audit program took into account the Securities and Exchange Commission's regulations over mortgage securities (specifically Regulation A & B), Sarbanes-Oxley Act, and protection of consumer personal information.Developed a 350 page, step by step handbook which supported the division of Investor and Core Servicing of a mortgage servicing company. The handbook was utilized by the Learning and Development group for training new hire team members on standardized processes.

 Leverage the MLS website to conduct market research and market analysis to find trends and potential acquisitions of real estate investment properties and developed a data driven approach used to negotiate with land developers and home builders and determine the transfer price to our investors. Evaluated property portfolios and prepared rental income forecasts for single family units per portfolio averaging 150K - 200K per unit. The analysis was used to prepare pre-construction purchase agreements which provided financial backing for home builders who have unfinished sub-divisions. The contracts included 10 to 60 properties and ranged from 1 to 10 millions dollars.

 Senior Member in the satellite office in Dallas carrying out office operating procedures. Train new staff on proper examination procedures to include establishing audit leads, obtaining approval from the appropriate government agency and conducting the sales and use tax examination. Develop and research audit leads, create client proposals and won legal rights to examine of over 100 companies, retrieve and review company chart of accounts, general ledgers, invoicing and tax returns during compliance sales and use tax evaluations. Extensive use of Excel and Word to prepare tax assessments schedules and in the correspondence with both the tax payer and taxing authority assigned to the audit.

 Maintain a level of 200+ outbound collection calls. Account analysis and council current clients over mortgage and credit issues Problem solving, communication, negotiation, and computer skills. Won the divisional competition for most extensions processed earning a personal letter of recommendation for commitment to serving the customer from the Loss Prevention Manager.

Contract accounting work provided for the creation of two divisions of a family owned partnership: Lenox Food Sales and House to Home Investors General Ledger, Billing, Sales Reconciliation, Inventory, Purchasing and Advertising for the Lenox Food Sales division specializing in food service consulting and brokerage. Cost/Revenue Analysis, Market Trend Analysis, Pricing and Rents, Property Management, and Negotiations for the House to Home Investors division specializing in investment properties.

Randol Mill Family Aquatic Center

 Oversaw all operation of Randol Mill Family Aquatic Center that consisted of a 25 person staff Scheduling, Payroll, Training, Operations management, Sales, Crisis management Supervision and involvement with Customer Service and Cashiers Created daily sales reconciliation statements and cash reports. Earned a letter of recommendation from the Asst. Director of Parks Community Programs for my responsible character.

 Manage teams of 5-35 employees at location events and breakdowns. Train new employees on necessary skills and standards increasing presentation. Meet with client at beginning of every event to build customer relations. Games include: Blackjack, Craps, Texas Hold 'Em, Roulette

 Planning and promotion of offered courses. Facilitating the teaching of skilled information to 8-12 new individuals weekly. Discussions of developing industry practices for revisions and implementation.  Instructor of Lifeguarding for the professional rescuer, CPA, First Aid, AED, O2

Professional Mba, Cohort School Of Business

Activities and Societies: . • Full-Time Professional MBA program (Aug 2008 - Dec 2009)

Bachelor'S, Finance

Activities and Societies: . • Member Sigma Chi Fraternity • UTA Student Congress Business Senator • Member College of Business.

Leadership Academy

Activities and Societies: . • Successful completion of 16-week leadership intensive • 12 weeks of mentoring with Mike Smith: John Hancock.

Diploma