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. • Worked closely with front end processors, personal bankers and loan officers to ensure application conditions and document requests are clearly communicated and promptly met. • Cooperated with back-end title, closing, and funding specialists to ensure loan quality and service level agreements were met.

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 eliminating fines and sanctions.• 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.• Conceptualized and created reports for Senior Leaders to condense complex data into a concise formidentifying trends.• Conducted and analyzed compliance and performance reviews, interpreting patterns to report toleadership.• Successful complaint escalation resolution with customers and attorneys, both telephonically and inwriting.

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.• Communicated difficult decisions to customers in a non-confrontational manner and assisted with clearunderstanding of business practices.• Traveled as business representative to Wells Fargo Home Mortgage events for the Wells Fargo Financialportfolio.• Delivered side by side training and peer development.

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.