Clean the interior and exterior of vehicles using a variety of products and methodsPerform inspections to ensure that each step of the cleaning process has been completedAnswer any questions that customers have about their car detailingPressure wash homes, decks, pools

● Reviewed 10 re-purchase loans legal and state/federal compliance requirements for conventional residential mortgages, Heloc, FHA, USDA, VA, Jumbo, new construction, QM, and Non-QM loans● Identified and reviewed results of required reverification documentation and red-flag fraud indicators● Audited loan file in compliance with agency or private investor guidelines, including eligibility, calculation and analysis, and documentation of income, assets, liabilities, and borrower and mortgage program eligibility● Verified data integrity check via automated underwriting system and desk review of appraisal for data, validity of comparable, and value conclusion to meet safety and soundness requirements● Performed federal compliance audit including, initial disclosures, RESPA, TILA, MDIA, ECOA, Patriot Act, Flood Act, OFAC and Fact Act● Ran Mavent report to cross check fees/compliance issues that may need to be fixed, also to check for any fraud, forbearance, debt to income, appraiser license, NMLS for the Loan officer, mortgage company,

Reviewing loan packages, underwriting guidelines, or data files to identify the documentation necessary for the reviewCapture required information from such information, which may include bookmarking the relevant pages where such information can be located, in a designated placeAudit loans to determine salability or conduct a final review of loan documentation for accuracy and completenessIdentifying and documenting any discrepancies during an audit, document issues in the processEntering data, fees from LE and CD into the system of record and running analysis to test for issuesEnsuring any exceptions are captured and recorded for incorrect or missing documentation, data errors, and any errors on the LE's and CD’sResearching and responding to rebuttals and responses to findingsMaintaining communication with internal contacts as necessary to ensure expectations and timelines are met; escalating issues, as neededRunning system logic against information captured and handling any exceptions that may come from the application of this logic against the data capturedApplying exceptions and handling validations where necessary to ensure a complete and accurate reviewAccurately tracking of the time spent on reviews

Review of pre-purchase review of closing/legal & compliance (state & federal requirements) documentation for conventional residential mortgages, FHA, USDA, VA,jumbo,new constructionReview all initial and closing disclosure ensuring that all documents are completed accurateVerify all internal system data entry is correct based on the loan document reviewed.Condition for missing document requesting updated information.

Audit ten percent of the TRID loans.Developing Job Aids for TRID reviewAudit EPD's.Reviewing the CFPB guidelines to insure Gold Star is complying with all federal laws.Perform data integrity check of all compliance documentation

Audit TRID loans files for state and federal compliance regulations.Perform data integrity check of all compliance documentation. Perform federal compliance audit including, but not limited to initial disclosures, Respa, Tila,TRID,Mdia, Ecoa,Patriot Act, Flood Act, and Fact Act.Timing of the Closing Disclosure & Loan Estimate, as well as the timing of the re-disclose LE & CD

Update internal calendar with status and mediation information. • Coordinate and monitor payment and posting of property related expenses to ensure timely payment within compliance of applicable guidelines. • Work with attorneys to prepare and review proofs of claim, motions for relief and other bankruptcy-related documents • E-file Objection and Withdrawal. • Manage work queues and filing guidelines for the claims process for each agency, investor and insurer, by following associated rules and working with a sense of urgency to ensure all claims are filed to client requirements. • Negotiate diligent with client and attorney. • Thoroughly document all claims management activities in order to ensure accurate client reporting.● Ran black knight to check the current status of borrowers mortgage/ if it was in foreclosure or listed in a bankruptcy

• Daily reconciliation of invoices and purchase orders.• Ensue accuracy of invoices, data entry of invoices into computer system and maintain invoice files.• Ensure that the area of responsibility is properly organized, staffed and directed.• Assist with resolution of vendor issues.• Coordinate the processing/delivery of all invoices with the controller for payment.• Assist the Accounts Payable/Purchasing departments as needed in all functions.• Daily date input for Gatekeeper and print out requisition for storekeeper.• Customer Satisfaction both internal and external.• Ensure compliance with customer specifications, quality standards, FDA, HACCP and other regulations.• Ensures food cost control, and conduct daily safety audits.

•• Underwrote conventional mortgage loans in compliance with agency guidelines and overlays, credit policies and procedures.• Train and develop all document specialists, loan processors, and mortgage specialists.• Oversee and review all Underwriter 1 and Underwriter 2 conditions.• Evaluated complex loan applications and performed various financial examinations including: credit analysis, tax return, income verification and asset certification.• Administered regulatory compliance practices in Fair Lending, Consumer Protection, Regulation B, Protected Income, and Equal Credit Opportunity Act.• Evaluate loss and gains of a business • Analyze tax return to record all income (1099) (1040) Schedule C, E• Evaluated the risk of the loan and make a sound decision• Communicated loan decisions to appropriate parties both orally and written.• Review and approve conditions while adhering to underwriter guidelines.• Position ended due to company lay off.

• Underwrite conventional mortgage loans in compliance with agency guidelines and overlays, credit policy, and procedures.• Review complex loan files and analyze financial information and documentation including: credit histories, tax returns, income documentation, asset documentation and other financial information to make quality decisions on loans. • Apply regulatory compliance in Fair Lending, Consumer Protection, Regulation B, Protected Income, and Equal Credit Opportunity Act.• Proficient in DU, LP, Closer, Data Verify, document imaging search, LDP and GSA. • Assisted in both closing and post-closing issues and concerns with emphasis placed on both attention to detail and compliance with both state and federal regulations and guidelines.• Responsible for touching 9 loans per day.• Review and approve conditions while adhering to underwriter guidelines.• Communicated loan decisions to appropriate parties both orally and written.

Responsible for reviewing, analyzing, approving and underwriting Moderate individual consumer requests and products within company and industry guidelines. Dependent on division, functions may include evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation; using an automated scoring system or traditional underwriting to determine acceptability of moderate requests; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products; staying abreast of any changes in underwriting provisions; working with production to resolve questions when possible.

Consumer Loan Underwriter 2 ( Loss Mitigation/ Bankruptcy) Responsible for reviewing, analyzing, approving and underwriting Moderate individual consumer requests and products within company and industry guidelines. Dependent on division, functions may include evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation; using an automated scoring system or traditional underwriting to determine acceptability of moderate requests; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products; staying abreast of any changes in underwriting provisions; working with production to resolve questions when possible.• Specialized in loan products from FNMA, FHLMC, FHA and Bank and Private.• Compare all documents with what’s been filed in Bankruptcy.• Form Budget planes for both the investor and customer when needed.• Position ended due to company lay off.

Customer Service Representative/Escalation Department• Resolved complaints by providing various consumer service techniques• Trained new employees on company products and services in an effort to enhance customer service standards and practices.• Take all manger and escalated calls and resolve the call.• Assisted associates with inter-office communications • Facilitated the activation of new consumer accounts • Troubleshoot product related issues• Review billing, take payments when needed, and schedule for a tech when needed.

The Best Western Hotel, Charlotte, NC 06/06- 10-06Front Desk Assistant * Greet, register, and assign rooms to guests * Issue room keys and escort instructions to Bellhop * Date stamp, sort, and rack incoming mail and telephone messages * Answer inquiries pertaining to hotel services, registration ofguests, and shopping, dining, entertainment, and travel directions. * Keep records of room availability and guests? accounts * Compute bills, collect payments, and make change for guests * Make and confirm reservations and post charges to ledger * Deposit guests? valuables in hotel safe or safe deposit box

Supervisor * Provided customer service with high levels of integrity and delight * Supervised cashiers and courtesy clerks in absence of managers * Assist in training of all front end associates * Performed all functions of opening and closing front officeincluding reports, tills, deposits, refunds, voids, credit cards,debit cards, and checks