Janet K. Email & Phone Number

Denver, Colorado, United States

• Conduct thorough reviews of credit documents, including loan applications, lender approvals, and compliance documents, ensuring adherence to Federal and State regulations, client, and lender guidelines.• Analyze critical financial metrics such as debt ratio (DTI), loan-to-value ratios (LTV), credit scores, and property valuations for accuracy and compliance.• Execute TRID-focused evaluations, covering initial disclosures, Loan Estimates, Closing Disclosures, and Changed Circumstances, effectively managing timing and tolerance variances.• Identify and document loan conditions, communicate requirements, and assess servicing/collection comments to pinpoint potential risks and recommend exit strategies.

Moorpark, California, United States

• Evaluated wholesale conventional mortgage applications within Encompass Loan Origination System (LOS), ensuring accuracy and compliance with industry standards, company guidelines, and investor overlays.• Prioritized workflow to meet deadlines, maintaining a 96.73% quality rating and adhering to daily file review standards.• Analyzed Non-QM Jumbo loans, providing findings and recommendations to the manager for second sign-off.• Calculated income (W2, 1099, Schedule C & E, 1065, 1120, 1120S, Fixed) and Debt to Income (DTI) Ratios, confirming Qualified Mortgage/Ability to Repay (QM/ATR) with DU/LP Automated Underwriting System (AUS) decision of Eligible. Provided underwriting decisions within required timelines with signing authority up to FNMA Regional Max Loan Amount.

Tampa, Florida, United States

• Executed project-driven reviews using proprietary software analysis matrix, ensuring comprehensive analysis and adherence to quality standards.• Conducted due diligence analysis for servicing (escrow) and default servicing (bankruptcy and foreclosure) projects, confirming compliance with Consumer Financial Protection Bureau (CFPB) regulations.• Successfully finalized reviews of Small Business Administration (SBA) Paycheck Protection Program (PPP) Applications in April-May 2020, demonstrating efficiency in handling time-sensitive projects.

Cortland, New York, United States

• Led a team in conducting servicing and default servicing due diligence analysis, ensuring thorough reviews and adherence to quality standards.• Implemented a quality score matrix to document findings and assess their impact on the overall review process, enhancing efficiency and accountability.• Provided targeted 1:1 training via TeamViewer, reducing the likelihood of recurring issues and improving the team's overall performance.• Served as an on-call Subject Matter Expert (SME), offering guidance to team members upon their request, contributing to effective problem resolution.

Las Vegas, Nevada Area

• Established a new compliance department and enhanced reporting, eliminating redundant data submissions to the Department of Treasury. Implemented tracking reports to monitor walk-in payments, ensuring accuracy and efficiency.• Streamlined Due Diligence Reviews by designing a linked Excel workbook with nested formulas, along with comprehensive Step-by-Step tutorials and Standard Operating Procedures, improving process flow and minimizing errors.• Automated and standardized the loan closing process by creating linked Excel workbooks for QC Checklist, Income Calculation, Note, Deed of Trust, and Loan Approval, reducing manual efforts and enhancing accuracy.• Developed and implemented an audit checklist for Due Diligence Review of Down Payment Assistance (DPA) loans, ensuring adherence to FNMA, FHA, VA, and DPA guidelines. Conducted training on checklist usage and performed targeted reviews based on audit selection criteria, creating tracking reports for findings.• Enhanced reporting efficiency by combining Monthly Accounting, Processing, and Closing Reports using Excel VLOOKUP, eliminating duplicated data. Generated a comprehensive status report for all active assistance files, providing transparent insights to Management and the U.S. Department of Treasury.

Killeen, Tx

• Orchestrated seamless coordination with Mortgage Loan Officers for purchase, refinance, and construction loans, ensuring timely submission and proper execution of all required documentation.• Managed the preparation and submission of Initial Loan Estimates (LE) within required timelines, updating as needed for Change In Circumstance (CIC), and ensuring accuracy in the Closing Disclosure (CD).• Spearheaded the review of purchase contracts, title searches, BPO/AVM/Appraisal, and credit reports. Ensured compliance with setback requirements for construction loans and coordinated closing logistics with title agents.• Implemented efficient post-closing document retention, including creating share drive folders, maintaining checklists/tracking logs, and cataloging executed loan closing documents. Developed comprehensive training materials, SOPs, reference guides, job descriptions, forms, and tutorials for the entire loan processing lifecycle.

Austin, Texas Area

• Conducted manual underwriting for diverse real estate loan products, adhering to lending authority, Credit Union guidelines, and secondary market standards, including Conventional Purchase/Refinance, Fixed Consumer Home Equity, HELOC, Manufactured Home, and Land Loans.• Pioneered the creation of a new expansion department, introducing Disclosure Desk reviews for TRID Compliance. Trained support staff to transition from traditional documentation to Loan Estimate and Closing Disclosure formats.• Developed and implemented a Post-Closing review process to ensure compliance between Loan Estimate (LE) and Closing Disclosure (CD). Reviewed quarterly HMDA error reports, ensuring Encompass accuracy for final year-end reporting.• Monitored and maintained compliance guidelines for residential real estate lending transactions and secondary marketing. Reviewed Mavent Fraud Reports, determining and implementing appropriate resolutions.

Highlands Ranch, Co

 Bank of America Contract – Pre-Funding Quality Control & Post Funding Servicing Due Diligence• Developed and implemented a custom checklist using a linked Excel workbook for quality control/due diligence reviews, enhancing consistency and accuracy.• Conducted thorough reviews using reports from HUD LDP, CAIVRS, SAM, and FHA Connection to ensure borrower eligibility and adherence to program requirements.• Verified income and asset documents within specified dates, recalculating borrower and co-borrower income for accuracy. Documented necessary adjustments for compliance.• Utilized Tri-Merge Credit Reports to review and match borrower-reported debts, ensuring precise loading into the database and maintaining data integrity. SunTrust Contract – Pre-Funding Quality Control Review • Conducted Pre-Close and Post-Close Underwriting Quality Control reviews for conventional loans, aligning with Fannie Mae (DU & DURP) and Freddie Mac (LP & FMRR) guidelines.• Developed and implemented a comprehensive Excel checklist for analyzing federal tax returns (1040, 1120, 1120-S, 1065), ensuring accurate income calculation and verifying underwriter analysis.• Verified compliance with AUS requirements for income and asset documents, conducted thorough appraisal and title reviews, and ensured accuracy of underwriter calculations.• Prepared detailed reports documenting review scope, deficiencies discovered, and submitted findings to management. Developed a structured rebuttal/discussion process, categorized exceptions by severity, and recommended solutions.• Analyzed underwriter responses to findings, implemented Action Plans to prevent re-occurrence, and provided 1:1 mentorship to new underwriters for better understanding.• Produced and finalized monthly audit reports, contributing to compliance management.

Denver, Colorado, United States

Contract #3) Senior Analyst / Team Lead for SCRA and Complaints (Qualified Written Request (QWR, aka Notice of Error or a Request for Information) reviews segment of the overall OCC (Office of the Comptroller of the Currency) Consent Order• Led the SCRA and QWR team for the OCC Consent Order, resolving loan-level inquiries within CFPB timelines and providing training.• Analyzed and tracked team audit results, offering recommendations and action plans. Conducted follow-up audits to ensure strategy implementation and ongoing compliance.• Communicated findings effectively as a training tool, providing mentorship and coaching to team members.Contract #2) Team Lead for Default Servicing (loss mitigation, collections, foreclosures and bankruptcy) Project• Developed a comprehensive Excel workbook incorporating default servicing and foreclosure guidelines for all 50 states, utilizing AllRegs and NMSRD. This became the foundation for a proprietary default servicing platform.• Reviewed client responses, identified compliance exceptions, and submitted recommendations to Senior Management. Managed the project, serving as the primary liaison between the client and team members to ensure goal clarity, review quality, and adherence to guidelines.• Researched and addressed all Motion to Deem Current requests, creating an Excel workbook to reconstruct payment histories and collaborating with in-house counsel to respond to court deadlines.Contract #1) Home Affordable Modification Program (HAMP) Underwriter (Litton 3rd Party Review Contract)• Conducted comprehensive audits of HAMP and client proprietary loan modifications, ensuring accuracy in calculations of income, debt-to-income ratios, validation of occupancy and hardship reasons.• Reviewed client data to confirm underwriting decisions aligned with product guidelines and overlays. Ensured compliance with policies, procedures, and investor guidelines.

Greenwood Village, Colorado, United States

• Established and organized the Default Servicing Department for Statebridge startup company, demonstrating the ability to build processes from scratch.• Identified and resolved a Payoff Calculation system error, preventing a monthly loss of approximately $7,800. Implemented a temporary Excel workaround until the vendor corrected the system error.• Developed and conducted training classes on bankruptcy fundamentals, Chapter 7 Reaffirmation, Chapter 13 PRE and POST Petition, and analyzing previous servicer payment posting data.• Represented the company in court cases, including Cuyahoga County Motion for Relief hearings, conducting thorough research and presenting cases on behalf of the mortgage company.

Highlands Ranch, Colorado, United States

• Served as the Subject Matter Expert and default servicing liaison to in-house counsel, overseeing all Trustee Motion to Deem Current reviews and responses.• Developed an Excel workbook to recreate previous servicer loan history, training the bankruptcy team on reviewing and recreating payment histories. This streamlined the process and enhanced accuracy.• Created and delivered training classes on bankruptcy basics, Chapter 7 Reaffirmation, Chapter 13 PRE and POST Petition, and analyzing previous servicer payment posting data. Utilized Fiserv/Loanserv, LenStar, and PACER for efficient monitoring and communication.• Collaborated with the legal team to research and provide definitive proof of account status, including instructing the servicer in the proper reapplication of payments. Represented the client at court hearings, demonstrating a comprehensive understanding of bankruptcy procedures.