Heather Anders's Location
Longmont, Colorado, United States, United States
Heather Anders's Contact Details
Heather Anders work email
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Heather Anders personal email
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About Heather Anders
Dedicated specialist with significant mortgage experience in a variety of roles geared towards Fannie Mae, Ginnie Mae, FHA, and Regulatory compliance within originations and servicing. Excellent judge of where issues may exist and quick to engage with relevant partners to determine best path forward. Customer focused in the most challenging situations and excel as a resourceful and motivating leader through complex project initiatives. Recognized by peers and management for ability to create solutions where others have failed or given up.
Heather Anders's Current Company Details
Heather Anders Work Experience Details
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Vp, Risk And ComplianceInbankLongmont, Co, Us
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Process ArchitectAston Carter Oct 2022 - Oct 2024Contract Employee for Wells FargoBusiness Execution Consultant, 2023-2024Business Process Architect/Designer/Modeler, 2022-2023 -
Sr. Director, ComplianceGuaranteed Rate Aug 2021 - Aug 2022 -
Chief Compliance OfficerNtfn, Inc. Mar 2020 - Jul 2021Lewisville, Texas, United States
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Compliance ConsultantStrategic Compliance Partners Feb 2018 - Feb 2020 -
Cra Market Implementation ManagerCapital One Home Loans Jul 2016 - Feb 2018Plano, TxSupporting 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 Mortgage credit policy guidelines, administering subsidy/grant review and execution models, and collaborating with Legal, Fair Lending, and other critical partners to identify and drive interaction opportunities.• 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. • Designed specialized digital landing pages to support sales and operation associates serving the LMI customer segment.• Relaunched national subsidy program enabling higher penetration of fund utilization.• Received several awards related to Teamwork, Best People, and being Intellectually Rigorous. -
Government Compliance Advisor (Servicing)Capital One Home Loans Jan 2015 - Jul 2016Plano, TxAccountable 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 functional areas with creating scalable solutions for potential growth while reducing risk exposure.• 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.• Recognition for skills of expertise within Teamwork, Integrity, and Best People.
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Government Product Manager (Originations)Capital One Mar 2013 - Jan 2015Plano, TxManaged 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.• Enabled business to transition FHA mortgage product to Capital One’s new LOS platform (OPUS) by leading project for documenting all FHA requirements in parallel with a gap assessment of FHA/VA guidelines.
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Mortgage Credit Policy & Procedure Specialist - Training LiaisonCapital One Apr 2011 - Mar 2013Executed 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.
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Independent Sales RepAvon Apr 2010 - Jun 2013
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Training And Design SpecialistState National Companies May 2009 - Apr 2011Facilitated 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. -
Sr. Instructor 2Bank Of America/ Countrywide Apr 2004 - Apr 2009Lead 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.
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External Home Loan ConsultantCountrywide Home Loans Jan 2002 - 2004Represented 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. -
Team LeadTransamerica Real Estate Information Companies 2000 - 2001Accountable 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.
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Lead Personal ConsultantBank One May 1995 - Jun 1998Responsible 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.
Heather Anders Skills
Fha Compliance
Gnma Compliance
Training
Risk Management
Financial Risk
Mortgage Banking
Mortgage Lending
Process Improvement
Underwriting
Leadership
Team Building
Banking
Credit
Sales
Loans
Call Centers
Insurance
Management
Coaching
Business Analysis
Retail
Cold Calling
Loan Origination
Business Process Improvement
Community Reinvesment Initiatives
Creative Problem Solving
Microsoft Excel
Mortgage Compliance
Microsoft Word
Heather Anders Education Details
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Business Administration And Management, General
Frequently Asked Questions about Heather Anders
What company does Heather Anders work for?
Heather Anders works for Inbank
What is Heather Anders's role at the current company?
Heather Anders's current role is VP, Risk and Compliance.
What is Heather Anders's email address?
Heather Anders's email address is ha****@****nal.com
What schools did Heather Anders attend?
Heather Anders attended Louisiana State University, University Of Houston-Downtown.
What skills is Heather Anders known for?
Heather Anders has skills like Fha Compliance, Gnma Compliance, Training, Risk Management, Financial Risk, Mortgage Banking, Mortgage Lending, Process Improvement, Underwriting, Leadership, Team Building, Banking.
Who are Heather Anders's colleagues?
Heather Anders's colleagues are Graciela Coconati, Shrm-Scp, Sphr, Desiree Sakariason, Soni Rathor, Jim Hunter, Angela Haney, Carrie Laffitte, Madrid Roz.
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Heather Anders
Cumming, Ga1foamortgage.com -
Heather Anders
Agile Fanatic | Dynamic Communications Professional | Driven Leader In All Things Lean AgilityAppleton, Wi3ipap.com, ipap.com, humana.com4 +192057XXXXX
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