• Review and analyze pre-funded VA and Conventional home loans. Provide quality reporting and analysis by performing in depth and comprehensive reviews. • Assign and monitor corrective action target dates and ensure timely control implementation to comply with regulatory compliance. • Efficiently maintain data in the compliance monitoring platform to ensure adherence with regulatory government agencies requirements. While making recommendations for additional controls and corrective action to improve efficiency of operations and risk mitigation process.

Develop the project plan of each new third-party relationship and ensure timely completion of tasks associated with the project plan. Completion of the project plan for each new third-party relationship. Perform a detailed a compliance portfolio analysis of loans to purchase from third parties to determine whether the credit quality adheres to PenFed’s lending policy. Analysis includes the review of the product description, underwriting guidelines, loan approval, loan process, closing documents, collateral, data integrity, portfolio performance, collections, and reporting.Assist and provide administrative support in the required steps for loan sales, purchases, and review of third-party relationships by working with and obtaining approval from Treasury, Accounting, Legal, Compliance, Collections, Third Party Risk Management, Operations, and IT. Recommend new third-party relationships by responding to inquires based on due diligence, which includes benchmarking industry, review of operational process flow, pricing analysis, credit, compliance, and review of portfolio performance. Assist in the preparation of written analysis of sales and third-party relationships and due diligence results with recommendations for Senior Management.Prepare loan pools that are eligible for sale. Maintain monthly production and performance of purchased loans and publish results to Senior Management

• Investigate, evaluate, and authorize approval of commercial and residential loans. Review credit history to determine credit worthiness of businesses and their principal owners. • Underwrite home and business loans and make recommendations on collateral needed to secure loans. • Apply accepted financial procedures to analyze financial resources to determine an applicant’s ability to repay requested loans.

• Perform comprehensive forensic analysis of residential single and multi-family mortgage loan files to determine compliance with underwriting guidelines. Summarize loan reviews; reviewing documents to identify items relevant to an investigation or dispute for adherence to investor and lender policies.• Compile, analyze, and document facts. Identifying misrepresentation, inconsistencies and/or fraudulent activity from analyzing loan documentation and transaction.• Perform analysis of credit, income, assets, and collateral.• Investigate accounts referred by various departments to determine risk level with regards to Anti- Money-Laundering (AML).• Identify deficiencies with regards to the company’s AML processes, and complete Suspicion Transaction Reports (STSRs) for senior management. Communicate effectively to all levels of management. Demonstrate an understanding of risk associated with various engagements.• Handle confidential material in a professional, highly ethical manner, meet deadlines, and maintain a high degree of diplomacy and tact.

• Completing comprehensive review of mortgage loans intended for securitization adherence with all mortgage regulatory compliance requirements for all investors (VA, FHA, FannieMae and FreddieMac).Research and analyze financial transactions to identify suspicious activity. • Conduct extensive investigation of all mortgage loan transactions, including but not limited to AML, GMI (government monitoring information), adverse action, and income calculations. • Reviewed VOD (verification of deposits) to determine possible fraud and AML/BSA violations during the origination process. Ensuring necessary disclosure documentation as contained within file. Compiling reviews and reporting findings to upper management. • Review financial institution’s policies and procedures to find deficiencies as it relates to Federal, State, and GSE obligations protecting consumers against unfair collection and banking practices to meet terms of Dodd-Frank legislation.

• Manage complex reporting created through SQL Query, analyzing data, researching issues and exceptions. Making the appropriate changes for all servicer incentive compensation through Loan Quality Advisor, Uniform Collateral Data Portal systems. • Mitigate the risk and reduce loss to FHLMC and servicers by researching and decision loan data discrepancies request from servicers for loan modification and all retention options. Conveying resolution to loan modification exceptions to servicers with approvals or denial based on data submitted through Loan prospector.• Solely responsible for REO-real estate owned property reporting for all foreclosure sale recession requests, decision all request for approval or denial for the best interest of the investor and profitability of property. Recommend to servicers and internal partners if property repurchase will be required; monthly reporting to management REO volume.

Audit all aspects of loan process and decisioning associated with compliance. Analyze, gather and confirm loan specified information, verify guidelines are followed. Participating in continuous process improvements and high quality standards with a focus on responsiveness to the internal/external auditors, examiners and mortgage process controls, also ensuring accuracy for all regulatory compliance requirements.• Reviewing all loan regulations including ECOA, TIL, FCRA, Fraud, SCRA, HMDA, RESPA, and/or Dodd-Frank files complete processes for accuracy and proper timeline. Condense State and Federal obligations into sub-obligations to effectively identify policies and procedures relating to SCRA, foreclosure, and unfair debt collection practices.• Examine audited credit reports to determine fraud and possible violation of AML/BSA laws. Conduct the examination of transactions across regions, identifying suspicious activity as regulated by OFAC ,BSA, CIP and KYC. Prepared SAR and CTR filings.

Oversee a unit of nine (9) Operation Senior specialists, ensure their unit objectives and standards are met. Compile and analyze statistical data relative to unit productivity, perform monthly audit and provide feedback to staff, provide advice and answer questions concerning Foreclosure Reconciliation activities. Manage staff changes in policy or procedures, to allocate resources, plan work schedule, and assign work. Provide training for new staff members, conduct performance reviews and make recommendations regarding corrective actions and dismissals.• Set standards for a successful month end process, reporting monthly business objectives. • Reduced over standard numbers by eliminating duplicative processes and systems to improve team productivity. • Implemented team morale activities to increase production.

Foreclosure Timeline: Analyze research and resolve servicer billing and penalties for Fannie Mae(Datagram reporting ) , Freddie Mac (Non-performing loans) , EMC and Washington Mutual Mortgage Security Corporation Investors. Calculate penalties on non-performing loans, verifying the validity of claims. Negotiate claim charges to lower the cost to Chase on foreclosed properties. Process foreclosures timelines review to ensure foreclosure proceed within state guidelines. Provide manual reinstatement to attorney on active foreclosure loans. Verifying sale result and sale reporting as required by Fannie Mae and Freddie Mac investors updated within 24 hours after sale date.• Audit non-performing loans on claims submitted by Freddie Mac. Disputing outstanding charges. Total saving to company September 2009 through February 2010- $ 205,639.48. • Prepares reports for management concerning scope of audit, financial conditions found, and source and application of funds• Center point of contact for questions and work inquiries from team members. • Reporting monthly team production

Review customer financials to determine eligibility for mortgage assistance through the Loss Mitigation Department in an effort to prevent foreclosure sales. Analyze credit and other financial information to determine the best foreclosure alternative while enforcing investor guidelines. • Collect and analyze information regarding customer’s income, assets, and debts; determining which financial products best meet the customer’s needs and financial circumstances • Submit information to mortgage insurance carriers, FHA, VA, FHLMC, and FNMA for workout alternatives to foreclosure• Maintain consistent communication flows throughout the loan process with all involved parties to ensure timely appraisals, credit decisions, funding and to expeditiously resolve all issues and questions• Consistently made and exceeded company productivity standards• Complete working knowledge of the Fidelity MSP operating system

Prepare the legal documents for approved mortgagers in Loss Mitigation. Ensure timely return of funds by the mortgagor and verify proper execution of documents. Perform all closing functions of the workout, including reporting criteria for the investors and mortgage insurance carriers. Performed cash applications and account monitoring. • Processed account changes• Researched and resolved account-related problems• Accounts receivable management • Obtain all necessary documents and signatures for a complete loan workout package

Examined docket reports and entries to ensure all necessary orders are entered and proceedings completed. Review case records and dockets for accuracy and completeness, edit data and made corrective entries as necessary. • Open new cases using the CMECF system while communicating with both internal and external users regarding errors to help prevent future errors in filing submissions• Collected appropriate fees and processed cash receipts• Coordinate meetings between debtor and trustee for all Chapter 7 and Chapter 13 cases• Compose orders and create correspondence for deficient cases