Leon Tyner Email & Phone Number

Charlotte, North Carolina, United States

Oversee issues management monitoring, risk management reporting and compliance training process. Responsible for supporting and enhancing the compliance program by working with the Digital and Marketing organizations to mitigate compliance risks. Develop and foster relationships with business partners to ensure their day-to-day operations are conducted in compliance with regulatory requirements. Collaborate with business line teams to implement project initiatives. Serve as Culture Champion for deliverables dedicated to Enterprise Compliance and Regulatory Affairs.

Charlotte, North Carolina, United States

Supported the compliance program by working with the Digital and Marketing team to mitigate compliance risks. Developed and fostered relationships with business partners to ensure their day-to-day operations performed in compliance with regulatory requirements. Collaborated with business partners on project execution. Served as Team Lead for DE&I deliverables dedicated to Enterprise Compliance and Regulatory Affairs.

Charlotte, North Carolina, United States

Oversaw mortgage compliance issues, continuous monitoring, policy & procedure process management. Analyzed and produced reporting on compliance related issues, emerging risk, policy/governance, controls & monitoring and complaints. Served as the liaison between the mortgage compliance team and business line partners.

Charlotte, North Carolina Area

Execute and manage the Quality Control Post-Funding functions for the mortgage division. Oversee the supervision of all personnel in the post-closing quality control department. This includes interviewing, hiring, training, coaching and conducting performance appraisals of all direct reports and ensuring that Leads effectively discharge their supervisor duties. Manage the quality control feedback cycle, monitor productivity and the quality results of the post-closing QC Associates. Ensure that compliance with investor and agency requirements are adhered to with a wide range of quality control audits such as closed loans, early payment default loans and third party origination loans. Responsible for selecting the audit scope for post-closing QC, generating and creating reports that are presented to Senior Management and investor business partners.

Collaborative problem solver who has extensive experience in risk management, budget/expense management, quality control reviews, regulatory compliance audits, management reporting and communication. Demonstrated knowledge of Real Estate Settlement Procedures Act, Truth In Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act, Home Mortgage Disclosure Act, Flood Disaster Protection Act and Servicemembers Civil Relief Act. Highly skilled in directing teams in delivery of exceptional service and advancement of top level objectives; career record of surpassing client and organizational expectations. Team player able to communicate with technical and non-technical groups effectively, verbally and in writing. Reputation for establishing priorities, building relationships and meeting deadlines through the skillful allocation of human and material resources.• Risk Management• Budgeting & Forecasting • Six Sigma• Compliance • Quality Control• Underwriting

Charlotte, North Carolina

(Reduction in Force)Oversaw loan production center for Consumer Direct line of business responsible for strategic underwriting, and operational risk management. Implemented credit policies, quality control and compliance regulations. Managed issues, escalations and corrective actions. Maintained underwriting lending authority of $1.5M. Direct reports included 2 Team Leads and 35 Underwriters. • Reduced departmental compliance deficiency levels to 1% compared to 5% company standard.• Increased policy service level efficiency by ensuring due diligence was performed on each client’s request as it related to regulatory guidelines.• Developed and maintained relationships with sales, operations and vendor business partners by creating win-win situations and sharing best practices.

Performed credit and collateral risk analysis on conventional loan files. Maintained quality and production goals while providing exemplary customer service to both internal and external wholesale business partners.• Completed risk analysis on six new files per day exceeding goal of four established by department. • Achieved 95% loan quality scores to ensure Fannie Mae and Freddie Mac regulation guidelines were met. • Coached peers on making credit decisions and offering alternative options when needed.

Approved / denied conventional loans after analyzing credit and collateral risk. Loan authority $650,000. • Exceeded production reviews on five new loans per day surpassing goal of three. • Named Subject Matter Expert on risk appetite and business / corporate tax returns for mentoring junior underwriters. • Maintained 95% compliance and quality loan scorecards measured up to 85% associate average

(Reduction in Force)Partnered with Quality Control and Quality Assurance to implement compliance guidelines of Fannie Mae, Freddie Mac & Ginnie Mae. Managed lending portfolio for Conventional, Jumbo, FHA/VA and Home Equity loans. Direct reports included 14 loan counselors, loan processors and closers. Controlled escalations for team.• Increased customer service to 90%; area capture rate to 92%; customer closing rate to 98% for Northeast and Mid-Atlantic region.• Recognized by company for customer service excellence with J.D. Power award.

Oversaw pipeline of 2,000 loans (Conventional, Jumbo, FHA/VA and Bond) daily by supervising work of 16 employees. Resolved issues and administered corrective actions. Built relationships with subordinates, peers and senior management. • Built a home equity team that increased the closing percentage while doubling the number of loans closed.• Decreased service level turn times while maintaining loan quality objectives. • Improved compliance and customer satisfaction while managing a national title vendor. • Hired and trained staff to provide a credit decision on approximately 120 loans daily.• Identified and resolved audit compliance deficiencies.• Expedited complex loan decisions; reviewed credit, appraisals and other underwriting risk matters.

Served as a liaison for customers, account executives, realtors and attorneys to guarantee loan closings. Prepared loan documentation, audited and maintained a pipeline of 90 loans utilizing DU and LP certification. Conducted FHA/VA credit analysis, account balancing, exception resolutions and payment processing. • Reduced annual departmental expenses $75,000 by initiating a new system communication method.• Achieved 67% average ACH cross-selling productivity rating versus the company standard of 50%.

Consulted with clients to customize financing needs. Brokered and processed FHA and subprime loans to mortgage lending companies. Assessed credit worthiness by examining client eligibility.• Awarded top producer for loan closing percentage per pipeline origination

Managed a complex portfolio of commercial loan accounts. Supervised nine loan accountants; planned schedules and processed payroll for staff. Led and delegated special projects to staff in accordance to strength.• Promoted to Team Lead after showing proficiency and dedication.

Walter Reed Army Medical Center

Performed physical assessments and treatment of mental health clients. Developed treatment programs and systems to enhance the effectiveness of daily operations. Partnered with community agencies to coordinate treatment plans. Assigned duties and monitored staff performance to ensure completion according to standards and policies. • Awards: Army Commendation Medal; Army Achievement Medal; Army Superior Unit Award; National Defense Service Medal & Noncommissioned Officer’s Professional Development Medal.