Conduct procedural audits of internal functions within Mortgage Operations. Review errors found in monthly post-funding audits conducted by outside vendor and prepare responses.Audit outside vendor’s QC.Standardize and improve prefunding audit processes completed by Mortgage Operations.Audit all denied loans for complianceRespond to all repurchase requestsRespond to all delinquent loan review requestsComplete pre-funding QC audits on percentage of approved loans

Responsible for an in-depth forensic quality control audit review of aged non-performing loans. Responsible for quality control audit review to ensure on-site underwriters were compliant with Government Sponsored Entity’s charter and delivery terms including, product/pricing restrictions and lender specific restrictions. Responsible for quality control audit review to ensure on-site underwriters were compliant with all findings for any misrepresentations in regards to credit, employment, income, collateral and occupancy. Responsible for quality control audit review to ensure the on-site underwriter verified all borrowers have been properly qualified on Inter-agency Loans as well as compare the documentation found in the credit file to the data submitted to the Automated Underwriting System.Responsible for ensuring all supporting documentation was obtained to support all conclusions on loans with significant findings that would require a lender to repurchase a loan.Responsible for auditing all repurchase letters that were prepared to ensure proper findings were cited for, correct language used and that letter was prepared in a manner that did not require to end reader to have any questions as to what the issue was.Responsible for reporting all corrections required or made back to manager and underwriter for training purposes.

Forensic UnderwriterPrior position - Vendor lead, hold weekly meetings with vendor, point person for vendor questions, work the vendor to resolve issuesQC/Vendor Lead for Forensic underwritersMember of the specialized team of Forensic Underwriters that were part of the Private Label Securities investigations and lawsuit

QC/Vendor Lead for Forensic underwritersForensic UnderwriterVendor lead, hold weekly meetings with vendor, point person for vendor questions, work the vendor to resolve issues

Responsible for writing and maintaining Conventional and special programs underwriting guidelines. Responsible for pre-funding Quality Control review of underwriting files and reporting all findings to managers. Responsible for post closing audits on all loans closed by company, FHA, Conventional, VA and any special programs. Responsible for reviewing loans where fraud in suspected and suggesting appropriate course of action.Responsible for reviewing all FHA case binders for compliance with HUD insuring guidelines.Responsible for maintaining records of Mortgage Insurance Certificates and coordinating with FHA on any deficiencies and or questions.Responsible for reviewing all VA binders for compliance with VA insuring guidelines and maintaining records of all VA certificates.Responsible for communicating with VA on all loan deficienciesResponsible for issuing VA Loan Guaranty on all IRRRL loans

Responsible for analyzing credit, income, assets and collateral on Conventional (Prime) loans, first mortgages as well as home equity products, to make sound credit decisionsResponsible for interpreting mortgage credit guidelines and applying knowledge to loan decisionsProvide mentoring, leadership, guidance, and support to senior underwriting and processing during transition to Prime Set personal performance plans to achieve monthly and annual goalsTravel to various locations to perform training and loan quality reviews Perform monthly loan quality reviews and review loans for possible fraud investigation

Responsible for all phases of mortgage credit and collateral approval for Conventional loans up to $650,000.Responsible for all phases of mortgage credit approval for FHA mortgagesResponsible for credit processing of VA, State Bond Program and special investor loans Proficient in Loan Prospector and Desktop Underwriter

Responsible for collecting annual membership dues for over 2500 Realtors in Eastern Montgomery County.Responsible to updating membership roster with the National Assoc. of RealtorsResponsible to monitoring all membership requirements and changes and keeping members updated with all current informationResponsible to all technology in the office and provided off site training to Realtors on various computer programs.Responsible for keeping all financial records for all membership dues paid and reporting all dues to National Association of Realtors