Melissa Johnson Email & Phone Number

Florida, United States

Greater Atlanta Area

Responsible for performing compliance reviews based on client, regulatory and internal requirements. Conducts thorough analysis of records, reports, regulations and operating procedures and practices. Provides effective and efficient reporting and data analysis to clients and organizational leaders using internal reporting tools and templates. Supports the.

Pompano Beach, FL

• Review loan samples to ensure they are in compliance with CFPB, MHA, and all government regulations such as Regulation Z, RESPA, SCRA, FCRA, Regulation B, Regulation P, UDAAP, Fair Lending, Appraisal Rules, TCPA, OFAC.
• Daily monitoring of loan level and process level reviews in order to report accurate data to management upon request.
• Evaluate loan level and process level reviews submitted by the compliance analyst with the intent to track trends, notify the respective business units of deficiencies, and to ensure all government, investor and.
• Monitor, track, and report Loan level and Process level Review Activities for all business units, investors, and service departments to upper management and Internal Audit.
• Using internal banking systems to review and validate exceptions noted by the Quality analyst and render decision as to the degree of the deficiency and whether it will require remediation and if the exception noted.
• Provide feedback to each respective business unit and request response to any noted exception(s)

• Comprehensive knowledge of GSE (FHLMC/FNMA) FHA/VA and Conventional investor guidelines, as well as MHA.
• Responsible for auditing the underwriter’s decision regarding the borrower’s qualifications for the Making Home Affordable modification program (MHA), non-MHA retention programs and other foreclosure alternatives.
• Review the details of all documents submitted by the borrower in order to verify completeness and validity.
• Evaluate income documentation and calculate all forms of acceptable income, determine debt-to-income ratios, housing ratios, appraisals, credit reports, taxes and all schedules, and any other required documents such as.
• Understand and validate the underwriter decision by analyzing the method of calculation used in order to determine the borrower’s program eligibility.
• Render a decision within 24 hours in conjunction with maintaining the fast, fair, and final approach.

• Review and Audit escalated executive cases by validating income calculations, housing ratios, debt-to-income, etc. per the investor/bank/program guidelines
• Review the Underwriters decision according to FHA, VA, GNMA, FNMA, and FHLMC guidelines to ensure the most accurate information was used in making the final determination.
• Compose letter drafts to homeowners and/or Office of the Comptroller of Currency
• Manage/track assigned loans and provided required updates upon request from management.
• Train new employees how to review and audit cases
• Assigned new cases out to related case managers for review

• Reviewing and processing customer’s financials for modification
• underwriting and preparing documents and business plans for investor review
• Customer consulting, cross- selling, correspondence and negotiation
• Strong negotiations while maintaining ethics and adhering to bank guidelines
• Maintaining daily inventory reports
• Communicated regularly with the homeowners, investors, PMI Companies, real estate agents and/or attorneys.

Certified, Quality Improvement Associate

Certificate, Mortgage Servicing

School of Mortgage Servicing I

Risk Management Business, Project Management

Associate Of Arts And Sciences - Aas, Computer And Information Sciences And Support Services

CCIS- Certified Computer Information Systems