Clairise Leeds Email & Phone Number

Vancouver, WA, US

• Assessed and determined residential Mortgage and Equity loan files are underwritten within level of authority in compliance with specific program guidelines, credit policies, regulatory and investor requirements.
• Analyzed applicants' credit, income and asset data, appraisal report, to determine feasibility of granting loans.
• Monitored applications for risk by examining files for fraud, OFAC, and Customer Identification.
• Maintained a pipeline of 40 or more loans from application to funding while delivering decisions on an average of 3 loans daily with a 100% quality review score.
• Monitor pipeline to identify areas that require intervention in order to expedite the mortgage process and act accordingly ensuring an average 30-day turn-around from application to funding.
• Ensure adherence to company and investor policies, procedures, and regulations.

• Oversaw and mentored a team of 12. Evaluated and audited team pipeline and workflow to ensure balance,accuracy, and risk compliance.
• Facilitated team meetings to communicate updates to processes and procedures. Assisted lower-levelstaff with document reviews for regulatory compliance, ensuring government compliance, resulting infewer failures and.
• Collaborated cross-departmentally and with Senior Leaders to accurately identify and analyze a subset ofundesignated loan files to determine correct ownership and course of action.
• Established, authored, and implemented End-to-End procedures to ensure accurate designation andprocessing.
• Delivered offsite training as a Subject Matter Expert for the newly implemented policies and procedures.
• Performed thorough research and data analysis to resolve high risk and complex issues for legal counseland Senior Leaders for accurate representation in court appearances.

• Communicated directly with customers and Wells Fargo legal counsel for retention and liquidation reviewsthroughout the foreclosure mediation process.
• Collected and evaluated customer income and financial documents for retention review to avoidforeclosure. Ensured retention and liquidation options were handled appropriately to minimize loss andreputational risk.
• Confirmed adherence to stringent timelines set forth by investors, state and federal guidelines.
• Successfully managed a consistent pipeline of 80-100 files along with high call volumes.
• Thorough knowledge of credit policy guidelines for VA, FHA, USDA, FHLMC and FNMA.
• Maintained the CT Mediations Reports Escalation inbox for foreclosure counsel regarding mediatorreports and pre-mediation information requests, as well as the Mediation OOP Escalation inbox for theCCRG team when needed.

• Collected payments and calculated payment plans and settlement offers for resolution of debt.
• Provided customer service and FDCPA compliance.
• Performed skip tracing through various systems such as Innovis, Lexis/Nexis and credit reporting.