Deondrea Johnson Email & Phone Number

Jacksonville, Florida

Reviewed commercial and corporate loan portfolios for flood insurance.Performed flood insurance operation control activities. Managed workload and daily production. Additional duties include: ▪Contacting flood insurance agents to ensure policy has been paid and scheduled to be renewed.▪Ensured flood coverage is adequate.▪Initiated force placed flood insurance.▪Performed quality checks to ensure accuracy.▪Ensured file complies with OCC guidelines.

Jacksonville, Florida

Reviewed closed loans for compliance review. Captured loan data and conditioned files for correctable compliance and closing items. This includes evaluating and/or examining transactions to ensure accuracy and thoroughness; and ensuring that documents are consistent and align with existing company and industry guidelines. Additional duties include: ▪Perform appropriate high cost, APR, amount financed, state predatory and Post 2010 RESPA test.▪Analyzing the Note, mortgage, and assigned with emphasis on accuracy.▪Reviewed all closing documents and disclosures on all loans.▪Made final determination on recommending loan for purchase to investors based on my review.▪Review LTV, DTI, Terms and Rate.▪Monitors and ensures timeline check-points are met for compliance projects.▪Participates in development of compliance sessions/presentations.

Orlando, Florida

Monitored and communicated with internal and external customers regarding regulatory changes that impacted the client’s product and services. Interfaced with legal counsel and federal, state, and local agencies, as needed to resolve regulatory issues. Participated in internal education sessions promoting compliance awareness. Additional duties include: ▪Conducts compliance assessments and provides direction on any deficiencies resulting fromscheduled product reviews.▪Analyzed and collected all pertinent information needed to assess the risk to meet proper company and federal guidelines.▪Participates in development of compliance sessions/presentations.▪Monitors and ensures timeline check-points are met for compliance projects.▪Directs and approves internal and customer communications covering compliance issues.▪(bulletins, position statements, monthly reports, etc.).

Works closely with attorneys and Foreclosure team to serve as expert witness for the company, verifying documentation and loan terms in legal proceedings for Fannie Mae, Freddie Mac, and Wells Owned loansDemonstrates understanding of the importance of compliance and adherence to business and regulatory policiesManage a pipeline of work from assignment to completion with attention to detail under tight deadlines.Experience reading, understanding, interpreting, and researching documents, e.g. loan origination, legal, or real estate documents. Additional duties include: ▪Use of MSP with access to all clients (512, 708, 106, 936, 472, 591, 685).▪Attend trials, depositions, hearings, settlements conferences regularly on the behalf of Wells Fargo.▪Review and approves contested attorney fees▪Provide answers during cross examination by defendant’s attorney or judge to questions relating to the foreclosure.▪Manages a portfolio of loans in the Wells Fargo portfolio that are in various stages of litigation.

 Reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value)  Evaluating; Examining transactions to ensure accuracy and completeness  Preparing formal reports for review  Ensuring that documents are consistent and uphold to company and industry guidelines  Implementing fraud detection techniques, performing compliance reviews  Assisting with re-negotiations of loans based on lending guidelines  Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision  Provided work direction and training to lower level team members and provided performance feedback to supervisor/manager Actively assist management with daily reporting

 Review borrower credit for monthly expenses Makes sure borrower has an escrow account set up. So that borrower is making a full Principal, Interest, taxes and insurance payment. Review LTV, DTI, TERMS AND RATE Review customer files and offer loss mitigation options Analyze reasons for delinquency and offer loss mitigation options Receive and process request for modifications, short sales, and payment arrangements.  Contact realtors and first lien holder to follow up on short sale approval. Review HUD 1, Sales contract, income documentation to receive approval for loss mitigation options

 Responsible for detailed activities associated with collections. Interact with customers to accurately and timely resolve customer issues regarding all aspects of delinquent government and conventional mortgage loans including: complex inquiries, account updates, customer complaints, document generation, research request generation, follow-up and escalation of issues as necessary. Will be required to meet specific quality and volume requirements for specified activities.  Generate outbound calls with delinquent borrowers who are considered high-risk or with associated third parties. Provide information on status, transaction, or account activity; research disputed items and other inquiries; resolve delinquencies and negotiate an equitable payment arrangement; evaluate and select appropriate workout remedies for conforming loans and refer non-conforming loans to Loss Mitigation.  Resolve calls at the first point of contact when responding to incoming phone calls regarding customer service aspects of mortgage loans.  Respond to escalated issues when necessary  All employees are accountable for compliance with all laws and regulations when performing their job duties. Each employee is expected to be familiar with the legal and regulatory requirements affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements. Employees must participate in required training on pertinent compliance laws and regulations as required by Washington Mutual

Education record

Education record