Harmony Phair Email & Phone Number

Renton, Wa

Kirkland, Wa

Prepare audits that test compliance with applicable laws, regulations, and internal controls; Prepare reports on audit results; Present and discuss reports with managers of audited departments; Communicate effectively with key personnel to obtain responses to findings noted during the audit; Follow up on audit findings and recommendations to determine satisfactory resolution in a timely manner; Conduct risk assessments; Determine compliance with policies and procedures.Review and prepare fair lending and servicing reporting analytics.Assist with examinations, audits and internal testing of fair lending controls and remediation of any deficiencies. Review marketing materials to ensure compliance with current Laws and Regulations, including UDAAP.

Puyallup, Wa

Processed Fannie Mae, Freddie Mac, USDA, VA, State Bond and FHA loans. Responsible for following GFE, TIL and RESPA guidelines. Reviewed, analyzed and calculated qualifying income documentation including personal and business tax returns. Verified DU and LP accuracy, file set up, order out and status of all outstanding conditions. Acted as a liaison between Borrower, Underwriter and Loan Officer. Ensured timely and accurate packaging of loans originated to meet close dates. Assisted post-closing quality control in curing deficiencies as a result of investor guides. Reviewed processed loan packages prior to submission to ensure completeness, quality and accuracy.

Renton, Wa

Trained, coached, and motivated teams of 10-12 to raise the standard in service and maintain compliance. Conducted weekly and monthly team and site meetings to review policy changes and set daily, weekly, and monthly goals. Facilitate in year round audits, preparing requested schedules, documentation, and related reports. Supervised and maintained an accurate record of associate team productivity, skills and service; provided associates with quarterly reviews, as well as corrective reviews when necessary. Collaborated with underwriting and funding management in reaching corporate goals. Recruited, interviewed, and hired staff; maintained a low turnover rate. Generated daily, weekly, and monthly reports for pipeline management, inline audit performance, compliance and production.

Renton, Wa

Reviewed and examined loans to ensure accuracy and compliance with bank policies and procedures as well as Fannie Mae, Freddie Mac, and FHA published guidelines. Underwrote conforming loans. Identified risks and compensating factors to determine loan decisions. Evaluated debt ratio, loan-to-value ratio, credit score, property valuation and various other factors. Gathered and reviewed credit and financial documents for soundness and accuracy. Assisted loan officers and processors in resolving issues and restructuring loans.

Federal Way, Wa

Processed Conventional, FHA and VA loans. Supported twelve loan officers and served as a contact point for customers, realtors, builders and multiple departments to resolve difficulties and obtain documentation needed for the transaction. Insured documentation for each transaction is accurate and consistent with the terms of credit approval. Reviewed and analyzed credit reports, appraisals, title and tax returns. Sourced and solicited new business opportunities that meet the criteria and goals of our team. Communicated findings and appropriate recommendations concisely to management during the audit engagement and in exit meetings.

Renton, Wa

Developed and managed long-term business and consumer relationships ensuring high retention success and service within the local community. Managed branch personnel through coaching development, setting schedules, and providing motivation and discretion towards achieving outstanding customer service. Researched inquiries and determined appropriate measures to resolve customer service issues. Marketed and sold all deposit and loan products. Contributed to the corporate growth plan through deposit increases, fee waiver fee decrease, and cross sale ratio.Responsible for retaining and expanding new and existing customer relationships by providing a positive new account experience, profiling, assessing customer needs, and recommending and selling appropriate banking products and services. Responsible for collection, review, tracking & re-working of various loan packages submitted for approval, and able to evaluate criteria for meeting credit requests.  Identified and anticipated customer needs to recommend suitable products and solutions. Served as a financial counselor by assessing and handling customers banking needs. Expert product/service knowledge, thorough knowledge of regulatory, policy and compliance issues. Processed cash and non-cash transactions, audited financial documents, and balanced cash drawer daily. Met and exceeded all sales goals by cross selling various bank products as directed by management.