Heather Anders Email & Phone Number

Longmont, CO, US

Contract Employee for Wells FargoBusiness Execution Consultant, 2023-2024Business Process Architect/Designer/Modeler, 2022-2023

Lewisville, Texas, United States

Plano, TX

• Supporting Capital One’s Community Reinvestment mission to serve Low to Moderate Income (LMI) families as the Process Owner for Third Party Subsidy and Grant relationships. Accountable for managing portfolio Community.
• Redesigned process reducing fulfillment impact and compliance risk while increasing the customer experience.
• Provided additional mortgage options for over 50 LMI families and reduced operational dependencies by executing interim process for Resale Restrictions.
• Facilitated over 40 credit policy decisions to increase penetration into the LMI market.
• Defined and executed process for closing gaps within CRA commitments.
• Managed and implemented execution strategy for loans utilizing HUD’s Section 8 Homeownership Voucher Program to serve key assessment areas.

Plano, TX

• Accountable owner for monitoring and execution of non-regulatory requirements within mortgage servicing specifically those pertaining to FHA, VA, GNMA, and MERS. Strong partnerships leveraged to assist servicing.
• Ensured implementation of adequate controls by determining impacts, process gaps, and required strategies.
• Managed Process Owners through hot house sprint sessions for GNMA/FHA requirements preparing business for onset of increased servicing portfolio and 200+ major policy changes.
• Supported internal HUD Oversight Program to safeguard the continuance of adherence for FHA/GNMA policies.
• Advised and implemented documentation standards for control submissions and resolution of existing defects.
• Solved root problem within servicing controls for FHA’s property preservation processes, thus potentially saving Capital One significant funds.

Plano, TX

• Managed and implemented government underwriting guidelines while ensuring salability of mortgage loans to investors and insurers.
• Authored and published Capital One’s first FHA underwriting guidelines providing a single policy resource supporting all origination associates.
• Co-led project that documented over 9000 requirements and mapped each to corresponding processes.
• Designed and executed standardization for FHA/VA Product Guidelines creating transparency between internal policy overlays vs. GSE/Insurer program policy.
• Collaborated with Marketing and Analysis/Credit Policy to develop an audit-ready process for controlling underwriting policy changes.
• Developed an "Overlay Tracking” artifact to create a mechanism for understanding where credit policy change discussions should primarily focus.

• Executed collaborative duties on behalf of Credit Administration for business change management and training deployment.
• Co-designed internal Transactional Approval Authority training program used to determine each Underwriter’s signing authority level.
• Created and implemented first company-branded conventional underwriting guidelines to satisfy Office of the Comptroller of Currency (OCC) requirement.
• Developed process strategy for exceptions to support compliant financial thresholds and approval standards.
• Constructed and maintained Policy and Procedures to promote well managed documented processes.
• Provided expert support of credit underwriting policies to operation associates regarding structured loan scenarios, underwriting eligibility, and training opportunities.

• Facilitated and developed various workshops needed for onboarding newly hired employees, management growth, and team development.
• Integrated continued education program to foster career development reducing high turnover rates and increasing associate loyalty.
• Launched specialized newsletter series to strengthen women leadership skills and teambuilding activities.
• Systematized tracking process for policy changes enabling company with an auditable trail of change control.

• Lead the Wholesale Lending Division with consistent training detailing loan products, technology, sales management, compliance regulations, and various other areas relevant to the sales and operation teams.
• Personally developed, managed, and maintained training curriculum for multiple training workshops.
• Provided expertise for FHA initiatives, FNMA Expanded Approval, Prime and Non-Prime loan products.
• Successfully trained over 900 new Area Mangers for Specialty Lending Division along with ensuring 100% compliance for Circle Back Training Program.

• Represented Countrywide as a preferred mortgage consultant to realtors, builders and consumers.
• Established and maintained ranking amongst top 10% of all regional loan officers.
• Selected for multiple pilot software/product launches including training assistance due to resilient proficiencies with proprietary originating systems.
• Proficient with serving First Time Home Buyers with financial options such as Down Payment Assistance, HUD REOs, and specialized product pairing that better served affordable housing initiatives.

Accountable for Call Center representatives that performed multi-faceted duties depending on area of needed assistance. Developed process of actions, assignments, dead line expectations, as well as quality control. Supervised team’s ever changing functions, training, and demands while maintaining a lower stress environment that motivated high productivity.

Responsible for sales as service delivery of retail personal banking through inbound and outbound telephone presentations. Strong emphasis on delivery of highly beneficial counseling that created and up-sold financial opportunities for banking customers.

Education record

Attended general curriculums for undergraduate studies

Persued A Degree In Business Administration, Business Administration And Management, General