• Responsible to identify and remediate any adverse trends in loan quality and servicing practices to protect PennyMac and its investors from monetary loss and reputational risks.• Performed 2nd line of defense controls infrastructure to strengthen the control environment and reinforces• PennyMac’s “Zero Defects” culture.• Process loan audits that included both default and non-default categories each month for QC testing. • Responsible for managing a monthly sample size of 300 loans, which consists of the following categories: Loan Boarding, FHA Mortgage Insurance, FHA 203K, FNMA Homestyle, FHA Claims, Collections, Foreclosure, Paid in Full, Annual Escrow, Forced Placed Insurance, Late Tax, and Insurance Disbursements, Priority Qualified Written Request, 2nd review Call Monitoring, VA Claims, USDA Claims, FHA, FHLMC, FNMA, USDA Modifications, Forbearances, Short Sales, and Bankruptcy, PMI Cancellations, PMI Auto Termination, MIP Billing/Deletion, CFPB Payments/Additional Payments/Partial Payments• Audit loans to ensure compliance with investor, federal and regulatory agency guidelines• Create new tests, test questions, or update test steps to new or existing tests ensuring the latest regulations are covered on all investor, federal, and regulatory agency guidelines• Create Standard Operating Procedures for audit categories• Perform Secondary Reviews of audits completed by new hires and outsource group Infosys to ensure accuracy and consistency.• Provide training to new hires• Identify process gaps that are not aligned with the investor or regulatory guidelines• Assist Management team with investor guidelines to create accurate questions for audit tests

• Currently manage a portfolio of over 1200 loans, including GSE/FHA/USDA/Fannie Mae/Freddie Mac and Conventional investors. Responsible for minimizing risk exposure by working in partnership with Foreclosure, Bankruptcy and REO vendors, in addition to Title Resolution and Closing Attorney’s.• Responsible for completing the 1st level review of Foreclosure Pre and Post documents needed for execution (I.E. Affidavits, Certifications, Statement of Review, Declarations, Attorney Consents, Affidavit of Debt, Statement of Debt, Loss Mit Affidavit’s, Beneficiary Declarations and Verifications etc)• Responsible for reviewing and auditing documents assigned by other associates. Reducing the risk and curtailment possibilities and potential missed first legal deadlines• Work closely with senior management to assist with the creation and implementation of default related checklists to be used for audit purposes such as the AOD checklist tool we currently use today• I assist with new associates by performing desk-side training and assisting other associates with questions when needed.• Accountable for performing all duties in accordance with company policies and procedures and state and federal laws (CFPB).

• Responsible for providing producers and policy holders with accurate and updated information regarding billing, policy, and underwriting guidelines• Process endorsements daily (add/ delete vehicles and drivers, change coverages). Process payments and provide technically support to producers• Provide training for new hires• Create and develop SOP’s (standard operating procedures) • Responsible for auditing and QC’ing daily and weekly endorsements • Take escalated calls and rushed endorsements

• Audited Federal Housing Authority (FHA) claims that were filed, to determine if all items listed had supporting documents/photos. Created Claim packages by gathering all supporting items, which was to be scanned and uploaded onto "YARDI", a government based website, for their review and approval of Claim. • Sent documents to Mortgage Insurance Companies, completing the claim process to receive payment.• Monitored foreclosure loans and ensure that foreclosure actions on individual accounts are completed in a timely manner, according to investor/insurer, state, and regulatory guidelines, minimizing financial losses to the company. Worked with legal and other organizations to document foreclosure proceedings. Handled routine levels of transactions with oversight by senior staff and managers to complete daily tasks.

• Followed up on FHA loans in which titles packages were due and needed approval. Thoroughly researched each loan regarding compliance of title package delivery. Sent emails to attorneys to address the delay of the upload of title packages• Help prevent the re-conveyance of HUD properties, by working closely attorneys and HUD on resolving lien issues• Assisted on the recording of deeds

• Responsible for providing homeowners to information regarding their mortgage while collecting information and funds, in an effort to strengthen the company’s financial position• Handled escalated calls independently, offered solutions which satisfied the homeowner, while following the company guidelines• Worked with attorneys and customers for loan modifications, short sales and deed in lieu• Assisted in auditing the quality of representative’s phone calls to ensure compliance rules were followed and excellent customer service was delivered

• Logistics, In Stocks, and Inventory Team Lead• HR Assistant managing payroll, schedules and annual reviews for roughly 35 plus employees, interviewing and hiring• Safety Team Lead• Unload daily store shipment (overnight shipment)• Shipping and receiving (loading and shipping daily sweeps) • Forklift operator, crown stacker• Bailer certified, trash compactor • Maintaining stockroom standards and Target culture• Stocking sales floor (during the day and overnight)• Organizing stockroom (receiving, refrigerator/freezer, and backroom)

• Managing warehouse with 20-25 employees • Safety team captain• HR Assistant managing payroll, schedules and reviews, responsible for new hire interviews and training• Responsible for shipping and receiving, packing product, reviewing and processing orders • UPS shipping/FED Ex • Responsible for scheduling truck arrivals and departures • Unloading trucks from the distribution center • Loading trucks with orders for shipping to local stores• Forklift operator, crown stacker• Bailer certified, trash compactor• Identified the breakdown of the customer’s product feedback and concerns