Anna Lessard Email and Phone Number
Quality Review and Risk Analyst with 10+ years of experience in the financial services industry, specializing in credit analysis, data analysis, and fraud analysis. Identifies areas of process improvement, making recommendations based on insights, improving the overall quality of the customer experience. Quality Analyst | Fraud PreventionEmail: anna.lessard@yahoo.comProven leadership abilities in financial services with vast experience in audits and risk management. Excel at project management, and the training, and development of associates. Promotes high-quality performance by developing and clearly outlining expectations, fostering collaboration and focusing on organizational objectives. Analyzes financial data, collecting accurate information to determine credit worthiness and risk assessment. Strong time management skills, adapting quickly to a changing environment and managing competing priorities. Excellent verbal and written communication skills with the ability to interface at various levels of management and in customer facing roles, producing effective presentations. Especially proficient in attention to detail, time management, analytical thinking, identifying fraud, and mitigating risk within an organization. CORE COMPETENCIES:• Quality Control• Credit Risk Management• Data Analysis• Project Management• Fraud Investigations• Regulations & Compliance• Customer Relationships• Problem-Solving• Analytical Thinking• Information Gathering & Accuracy• Teamwork & Collaboration • Cross-Functional Team LeadershipACCOMPLISHMENTS: ~ Earned Project Management 101 certification~ Dramatically reduced loan defect findings within underwriting region month over month.~ Highest average of associates to graduate under my leadership in Underwriting Development Program for company.Please contact me at 214-725-4648 with any Quality Control, Risk, or Fraud opportunities.
Homepoint
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Quality Control Underwriter - RiskHomepoint Oct 2022 - PresentAnn Arbor, Michigan, United StatesHomepoint is the nation’s third-largest wholesale mortgage lender and the 7th-largest non-bank mortgage lender with approximately $70 million in net revenue. The company works directly with brokers to originate loans that are sold to Fannie Mac, Freddie Mac, and other investors.Perform a pre-funding loan analysis to ensure loan documents and underwriting of loans were in accordance with company policies and procedures. Document findings to provide management with an accurate and detailed picture of the issues. Provide input for decision-making to identify the root cause of problems identified within the audit.• Participated in Income and Asset Special Review project to minimize areas that were high defect areas on loans. -
Regional Underwriting Quality AnalystHomepoint Feb 2022 - Oct 2022Ann Arbor, Michigan, United StatesConducted quality control reviews on loans requested for audit by investors, agencies, insurers, and all loans in early payment default. Analyzed quality control results to identify trends and coordinated training for staff based upon trends to assist in effective problem resolution.• Increased efficiency in underwriting by performing one on one coaching with employees on errors.• Dramatically reduced loan defect findings within underwriting region month over month by overseeing the effective assessment of financial risk by underwriting associates. -
Team Lead - UnderwritingHomepoint Jul 2021 - Feb 2022Ann Arbor, Michigan, United StatesProvided operational supervision that encourages superior customer service for our internal and external customers. Implemented training for senior and junior staff. Monitored team’s workflow to advise on process updates to improve the team’s ability to meet production and quality goals.• Identified areas that employees were struggling with and performed side by side trainings with employees.• Directed team while manager was out of the office. -
Director - Underwriter DevelopmentHomepoint Aug 2020 - Jul 2021Ann Arbor, Michigan, United StatesDeveloped and delivered underwriting training material geared to upskill new to the mortgage industry employees. Prepared new employees to meet/exceed minimum production metrics while not sacrificing quality metrics. Performed employee recruitment which consisted of applicant screening and interviews.• Highest average of associates to graduate under my leadership in Underwriting Development Program.• Recognized by management to lead to develop and lead training for other Directors on all my methods for my team. -
Underwriter Risk SpecialistHomepoint Nov 2019 - Aug 2020Ann Arbor, Michigan, United StatesMentored new to the company junior and senior staff for first 30 days. Managed daily loan production and workflow for Risk Department. Evaluated loans with post closing defects to determine of able to cure defects on loans.• Trained new employees when they joined the company.• Participated in Special Project for 3rd party vendor review to ensure that they were meeting company expectations. -
UnderwriterEssent Guaranty, Inc. Aug 2019 - Nov 2019RemoteEssent offers private mortgage insurance for single-family mortgage loans, providing private capital to mitigate mortgage credit risk for lenders and investors. Essent has approximately $231.8 million in revenue.Partnered with Essent to underwrite loans for Citizens National Bank to confirm loan meet specific investor criteria and requirements. Maintained strong client relationship with loan officers, loan officer assistants, and processors. -
Quality Assurance AnalystEssent Guaranty, Inc. Dec 2018 - Aug 2019Completed second level reviews on loans cited with any level of defect and made referrals to the Special Investigations Unit (SIU) as appropriate. Analyzed loans for fraud and red flags by utilizing Lexis Nexis, Fraudguard, & Datatree. Assisted with preparation of executive level reporting of QA results on a monthly basis and communicated results to both internal and external customers. -
UnderwriterEssent Guaranty, Inc. Jul 2017 - Nov 2018United StatesCollaborated with Essent to evaluate loans for Home Services Lending for risks and various criteria such as investor requirements, accuracy, consistency, and completeness.• No remedies due to underwriting errors.• Selected by management to work on new account with Citizens National Bank. -
Senior UnderwriterMid America Mortgage, Inc Aug 2016 - Jul 2017United StatesClick n’ Close, Inc. (f/k/a Mid America Mortgage Inc.), is a multi-state, full-service mortgage lender serving consumers and mortgage originators through its retail, wholesale and correspondent channels.Reviewed and evaluated borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary title report, judgments, bankruptcy documents, and appraisals. Completed quality assurance reviews for all closed loans to mitigate risk. Escalated error trends to assist in effective problem resolution.• Mentored processors within team on underwriting to grow their knowledge and skill sets. • Trained brokers on how to use our system for their loans. -
UnderwriterFreedom Mortgage Inc Dec 2012 - Jul 2016Freedom Mortgage is one of the country’s largest loan originators and servicers with over 2,100 employees with approximately $1.6 billion annual revenue.Examined, reviewed, and evaluated the information provided by all parties, assessing the borrower’s risk profile and making an informed decision while delivering the highest level of customer care while working in a growing, fast-paced environment.• Selected to work on Condo Team Project.• Recognized as most requested underwriter due to customer service. -
Underwriter IvCiti Feb 2012 - Nov 2012Irving, TexasCitibank (Citi Mortgage) is an online and brick-and-mortar lender and part of banking giant Citigroup, Inc. with approximately $71.9 billion in annual revenue.Underwrote residential loans ensuring compliance with appropriate company, secondary market investor standards, and all applicable laws. Ensured loan documentation was accurate and complete. -
Mortgage Fraud Investigator IiiFannie Mae Mar 2008 - Nov 2011Addison, TxFannie Mae is a leading source of mortgage financing in the United States with approximately $4.7 billion in annual revenue. Fannie Mae helps to make affordable housing accessible to homeowners, homebuyers, and renters across the country by working with housing partners which include mortgage lenders and servicers, housing counselors, real estate agents, and other industry professionals.Complied and assessed fraud related tips from Media, Legal Department, Law Enforcement, Subpoenas, Mortgage Lenders, consumers, and Mortgage Insurance Companies. Researched and investigated fraud tips using available internal and external detection tools. Prepared monthly operation reports, loss statements, SAR reports for loans. Reported incidents to MARI and FHFA.• Participated in repurchase project after housing crash to increase company revenue.• Lead and Directed all volunteer projects for Dallas, TX office. -
Senior UnderwriterHomecomings Financial Jul 2007 - Feb 2008United StatesHomecomings Financial, LLC (formerly known as Homecomings Financial Network Inc.) was a mortgage servicing company based in the United States. The company went out of business in December of 2013.Reviewed and approved loan applications for internal loan officers and brokers for Mexico Bi-National Group. Completed quality assurance on all closed loans to check for possible fraud, red flags and errors on loan files.•Developed and Implemented various forms and checklists to standardized processing and underwriting policies and procedures.• Designed standard Underwriting Approval Condition List for all loans. -
Due Diligence Team LeadClayton Holdings Llc Aug 2004 - Jul 2007Shelton, ConnecticutClayton is a premier provider of due diligence, underwriting and risk mitigation solutions for the residential and commercial real estate markets with approximately $75 million in annual revenue. Over its 30-year history, Clayton has reviewed more than 17 million residential loans and 1 million commercial insurance policies and has participated in some of the largest residential mortgage-backed securities (RMBS) and commercial mortgage-backed securities (CMBS) transactions. The company has also monitored servicer performance on trillions of dollars in assets.Prepared training materials including job aids, presentations, & manuals for staff. Managed staff of up to 35 employees. Created reports for all parties regarding loan portfolios. Performed quality control on conforming and non-conforming products for frequently changing investor portfolios.•Managed a team of up to 35 underwriters per project.• Presented at week long new hire training for all new employees.
Frequently Asked Questions about Anna Lessard
What company does Anna Lessard work for?
Anna Lessard works for Homepoint
What is Anna Lessard's role at the current company?
Anna Lessard's current role is Quality Analyst | Fraud Investigations | Risk Management | Data Analysis | Customer Presentations | Financial Transactions.
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