Lisa Singleton Email & Phone Number

Glen Burnie, Md, Us

Act as both Loan Servicing Manager overseeing staff of 10 as well as compliance manager for lending division. Monitor lending compliance and mitigate any potential risks for the bank. Address consumer complaints filed with regulatory agencies, utilizing expertise in banking and compliance. Conducted comprehensive overhaul to ensure compliance with multiple regulations and bring bank into line with FDIC expectations including writing all policies and procedures, developing and executing compliance training program. Collaborate with examiners to analyze their findings, identify underlying issues, and develop effective solutions. Perform periodic portfolio reviews to identify potential risks and proactively address them. Manage multiple audits and exams annually to ensure compliance with lending and safety & soundness standards, including performing fair lending analysis to verify compliance

Baltimore, Maryland, Us

Established Quality Control Department for the bank’s newly established mortgage department. Wrote QC Plan, established review and reporting processes as required by agencies and investors and standardized system by writing QC procedures. I also use my extensive knowledge and experience in mortgage compliance, to act as a resource for the loan originations staff to alleviate demand on the bank's sole Compliance Officer.

Baltimore, Maryland, Us

Conduct compliance reviews on all loans closed by 1st Mariner. Analyze GFEs for adherence to regulations associated with 2010 RESPA revisions, Dodd-Frank... Assess necessity of tolerance cures. Also responsible for ensuring that TILA, MDIA, Reg B are observed and enforced. Responsible for keeping abreast of industry proposals and changes and revising reviews & processes to meet these changes. Also, assist in monthly and annual LAR preparation, data scrubbing and submission in accordance with HMDA

Assisting realtors with closing short sales by negotiating with existing lenders.

Conducted independent reviews of prime and sub-prime mortgages originated by Fieldstone and Broad Street. Audited for compliance with investor and regulatory guidelines. Reviewed credit decisions of early payment default (government loans) and all potential fraud cases.

Responsible for ensuring that all mortgages originated and closed through bank and its lending subsidiaries were in compliance with federal, state and investor guidelines; addressing investor and regulator concerns, and responding to their Notices of Action such as repurchase requests or violations; protecting the bank’s loan portfolio through fraud and payment default investigations and by overseeing due diligence audit teams during the pending acquisition of another lender’s portfolio. Also, oversaw daily running of department and management of staff. Prepared department budgets, standard operating procedures, employee reviews. Conducted training for bank and mortgage company personnel. Prepared and presented monthly and quarterly “Reports To Senior Management” regarding violations, fraud, potential and actual investor issues and prescribed remedies.

Processed and closed first mortgages including conventional, jumbo, and government. Worked with borrowers and Loan Officers to obtain credit, employment, asset & liability information which was then prepared for automated or manual underwriting. In conjunction with Secondary Marketing resolved pricing & lock issues. Followed up with appraisers, settlement companies, insurance reps...to get all necessary documentation & resolve conditions or problems within the lock in period. Prepared settlement documents and shipped packages (have closed loans in most of the contiguous US). NOTABLE EXPERIENCES-carried active pipeline of over 120 files and closed, on avg 40-50 per month.-due to accounting background have worked with many self-employed borrowers including 1099 contractors, K-1 partnerships, and S corps as well as standard Schedule C borrower.-I complete many hours of compliance training on my own time so I am well versed in RESPA, Regs B, X, Z

Prepared files for mortgage applicants seeking HELOC or second mortgages. Followed up with both telemarketing leads and originator referrals to obtain credit, income, asset and liability information. Prepared files and submitted those that were within guidelines. Resolved underwriting issues and conducted necessary counter offers for sub-prime terms. As Sr Processor (1995), I oversaw credit review committee and relations with internal appraisal dept.

Processed consumer loans