Cindy Papoff Email & Phone Number

Federal Way, Washington, United States

Greater Seattle Area

Conducted Pre-funding and Funding reviews of residential loans, to include VA, FHA, Construction, Fannie Mae, and Freddie Mac, while consistently ensuring loans were in compliance with Bank’s and Investor requirements. Demonstrated broad skills and abilities in performing risk analysis, mortgage application analysis, credit reporting, appraisals, and income/asset documents to determine accuracy and completeness per guidelines. Performed in-depth review of paystubs, W-2s tax returns, bank statements, gift letters, employment verification, and donor information for recognition of fraud and money laundering. Recognized for broad team leadership, mentorship, and training abilities. Developed and delivered training of processes for auditing loan files before they went to funding. Reviewed work of processors, underwriters and funders to ensure accuracy of loan files to meet company and government regulatory standards.

Demonstrated exceptional abilities in identifying and evaluating regulatory risks, recommending appropriate program changes, and providing subject matter expertise regarding compliance topics, developments, processes, systems, and issues. Recognized as the “Expert” in all regulatory consumer lending compliance matters with an emphasis on mortgage operations functions to include originating, processing, underwriting, and closing. Provided in-depth skills in reviewing and implementing compliance policies and procedures with specific regulatory requirements. Leveraged exceptional abilities in evaluating and resolving system issues, resulting in significant improvements to productivity. Successfully developed and implemented innovative workflow processes, resulting in increased volume from business partners.

Recruited as senior general clerk and promoted four times to assistant financial center manager.Processed all residential and consumer lending applications entering loan data in lending system, collating and packaging of loan files, ordered appraisals, credit and title reports, completed employment and financial verifications, assisted in loan signings and notarized documents for the life of the loan. Mastered multiple lending systems. Provided customer service by assisting in identifying their financial banking needs, facilitated opening of checking, savings, certificates of deposits and various retirement accounts. Completed formalized training and passed the federal exam necessary to be licensed to sell annuities. Primary Notary for the branch.• Managed all escalated issues within the branch including; customer complaints, daily operational issues and various staffing needs.