Kellie H. Email & Phone Number

• Directed the team as a primary lead of contact for resolving re-recording of document deficiencies on errors on Deeds and Mortgages with missing Riders, legal description, incorrect loan amount, etc. in a timely manner. Collaborated with various third-party vendors such as closing agent, escrow, and title with emphasis on urgency for resolution. • Conducted quality assurance audit of secondary market loans based upon regulatory agency and investor requirements. Submitted exception reports addressing audit findings from investors and provided missing docs, rate sheet, approval.• Managed time-sensitive pipeline of audit issues by tracking, following up and reviewing corrective documents to increase revenue for business partners and investors.• Cultivated positive relationships with vendors and maintained client retention for internal business partners.• Onboarded all new associates and provided training with minimum 30 days of provisionary period.

Remote

• Disclosed Loan Estimate (LE) and Closing Disclosure (CD) that balance with HUD-1 Settlement Statement by accurately entering borrower and seller fees, examining APR, borrower can/did shop, deposits, prorations and credits on Encompass. • Identified changes and Good Faith Fee (GFE) variances from Initial Disclosure to current loan terms as valid change of circumstance - validated reason and approved changes to fees per RESPA.• Verified lock parameters match loan parameters accurately for rate, pricing, address, impounds and loan program on secondary lock to ensure compliance guidelines and salability prior to preparing initial disclosure packages and CD.• Strategized and problem solved with loan officers, their assistants, and processors to verify fees and loan details.• Demonstrated ability to consistently produce accuracy of work in the 95th percentile.• Kept up to date with knowledge of federal regulations to create disclosure packages that provide the most current closing cost fees.• Identified fluctuations in the structure of the loan (terms, fees, loan amounts, etc.) and effectively communicated to all parties to prevent unexpected fees at closing.

• Collected and verified title insurance, loan applications, credit reports, appraisals, and income and asset declarations are accurate and passed to underwriting promptly for loan approval.• Ordered third party documentation needed for to create and maintain the mortgage loan file and assisted underwriters by providing conditions as requested.• Assured all loan files, credit packages and disclosure packages comply with company lending policies, as well as state and federal lending guidelines.• Facilitated timely loan closing by serving as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters.• Manually prepared and created Foreign Language LE when mortgage terms were negotiated other than English. • Reviewed loan application submission for completeness within 48 hours and maintained internal SLA by disclosing initial loan disclosures within three business days.

• Gathered data that supports mortgage loan requests such as automatic underwriting findings, credit reports, income and asset documentation, appraisals and other requirements.• Compiled application information for mortgage loans to ensure verification of application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.• Obtained documents according to company policy and procedure for underwriter review such as income documents, tax transcripts, credit reports, automated underwriting findings, appraisal, and employment verification.• Upon receipt of clear to close from Underwriter, coordinated loan closing with borrower, agents, escrow, and title.

Analyzed and verified eligible REO, Short Sale, Deed-in-Lieu and foreclosure servicing operational costs eligible for reimbursement from FHLMC/FNMA on reconciled expenses submitted for reimbursement in adherence to Line of Business’s analyzed guidelines.Performed external research with specific Line of Business affiliates to locate required missing invoices, documentation or vital information necessary for complete claim filing. Performed routine audits on repurchase claims made by FNMA/FHLMC by effectively reviewing/re-underwriting loans for accuracy, completeness, and compliance in order to minimize risk. Wrote detailed synopsis that identified loan attributes as well as loan deficiencies to identify and escalate potential areas of risk or process gaps and reported irregularities with corrective action plan for problematic loan situations to senior management.Evaluated the impact of all control deficiencies in the loan review process and reported irregularities with corrective action plan for problematic loan situations to senior management. Fulfilled MICO and Successor Servicer requests for origination, modification, Short Sale, Deed-in-Lieu, and other servicing documents and servicing notes. Developed effective written and oral skills to communicate with both internal and external clients and vendors in order to obtain required document and information.

Performed re-underwrites of FHA, Conventional & VA conforming refinance and purchase mortgage loans to ensure adherence to guidelines.Clarified accuracy of conditioning, documentation completeness, program & guideline adherence, and accuracy of income and asset calculations.Assessed applicants risk profile using the 4 C’s model to follow up on all findings, made corrections and took actionable measures to prevent post-closing deficiencies to guarantee stability of the loan.Evaluated underwriter ratios to ensure calculations were accurate according to Bank of America guidelines.Analyzed Fund analysis vs. verified information listed on the loan.Identified various misleading of potential misrepresentation of loans or red flags prior to underwriter’s issuance of loan commitment.Diligently provided a detailed analysis of all Appraisal reviews and Title Policies.Reviewed and prepared loans to be serviced as well as sold to secondary market.

Performed as a last line of defense for deficiency document requests that was deemed incurable by conducting extensive reach above and beyond required business scope.Investigated, researched, verified and gather detailed information on business partners, vendors, brokers, appraisers and others involved in the mortgage origination process to obtain data and documents deemed lost or difficult in order to prevent repurchase loans and mortgage claim denials. Utilized effective communication skills with emphasizes on importance and urgency to internal and external business partners and resources.Provided informative, positive mentorship with reassuring feedback to improve quality and accuracy to newly trained Forensic Team Analysts. Consistently met or surpassed all established quotas throughout tenure by leveraging impeccable organizational skills to effectively manage daily pipeline.

Reviewed and cured Document Deficiency requests submitted by mortgage insurance companies and FHLMC/FNMA by retrieving missing documents from internal and external sources.Provided mentorship to Deficiency Specialists (Auditors) with industry know-how and experience acquired knowledge. Participated in special audit activities and special projects as delegated by senior management. Projects included such activities as assigning and reassigning audit activities and supervising team activities toward daily production and roles. Analyzed and assessed implications to potential industry changes and escalated detailed written summation to senior management.Developed further knowledge on Bank of America and Countrywide mortgage products with special focus on historical underwriting guidelines.Monitored team production, performance, and development in order to provide feedback to ensure accuracy and best practices to senior management.

Performed as Subject Matter Expertise (SME) and provided expertise on internal and external auditing for Risk Operations to ensure bank tolerance and compliance regulations.As SME, participated in User Acceptance Test (UAT) with internal Information Technology to develop two new platform systems used department-wide: CLAIMS and DOCS.As SME, performed as Project Leader to developed Setup and Document Deficiency procedures to be utilized and distributed department-wide within Private Investors group.Evaluated and cured Investor Document Deficiency requests for such document as assets, income, insurance, LOE, etc.Provided underwriting and forensic assistance for claims against Private Investor repurchases directly to senior management.Developed extensive knowledge with LOB platforms as Microsoft Excel, Word, Access and Ad Hoc Queries.Developed analytical skills and product/technical expertise by participating in team audit activities, which included completion of scoping tools, process mapping, risk assessments and tollgates.

Assisted with performing loan audits on conventional and government loans for possible mortgage fraud and accuracy by assisting with comprehensive audits of financial records, operating procedures, and internal controls related to accounting for mortgage securities, loans, commitments, amortization debt, derivatives, and liquid investment portfolios. Extensively reviewed collateral documents such as credit reports, LPS, DU, appraisals, loan applications, escrow instructions, title policies, HUD-1, tax returns, transcripts and purchase contracts and other mortgage documents as part of auditing process.Reviewed, sorted and escalated recently verified loan documents for possible fraud.Trained, mentored, and audited loans completed by new associates for accuracy as part of internal quality assurance.