Manage processing and compliance.

Regstrar for 3,700 students

Evaluated overall risk and investor issues in Pre-Close file audit reviews for residential mortgage lending transactions including FHA, VA and Conventional. Provided monthly reports to management on defects and trending issues from underwriting errors. • Decreased time to get underwriters approved with FHA and VA by performing review of 100% of files for the underwriters prior to their submission to FHA and VA, thereby increasing production and reducing UW approval time while increasing… Show more Evaluated overall risk and investor issues in Pre-Close file audit reviews for residential mortgage lending transactions including FHA, VA and Conventional. Provided monthly reports to management on defects and trending issues from underwriting errors. • Decreased time to get underwriters approved with FHA and VA by performing review of 100% of files for the underwriters prior to their submission to FHA and VA, thereby increasing production and reducing UW approval time while increasing customer satisfaction rate.• Determined Occupancy misrepresentations identified within servicing system address reviews. Provided spreadsheet and summary of finding to senior management and fraud department to determine if (SAR) suspicious activity report needs to be filed. • Mitigated risk and reduced repurchases by performing Targeted Occupancy Reviews each month of files with address changes after close and prior to investor request. • Trained, mentored and provided peer-level oversight as Subject Matter Expert for State Farm Bank's quality control plan and compliance with applicable laws and regulations. Show less

Underwrite and analyze FHA and Conventional New Home Purchase Loans.

Underwrite VA/Conventional and (IRRRLs) Loans.• Recipient of Quality Pro award for 100% quality rating in 2nd quarter 2013.• Awarded Top Performer in Underwriting Department for production and quality.• Recognized by executive management for excellent service ratings from borrowers and peers.

• Underwrite Treasury Modification loans, adhering to credit policy for FNMA, FHLMC and HARP/HAMP.• Reviewed and adjusted collection portfolios requiring special handling to reduce delinquency.

• Conduct detailed compliance review and second-level analysis of reviews by Junior QA Analysts. Provide coaching/training.• Subject Matter Expert for the team which contributes to the development of new concepts, techniques, policies, and standards.• Analyze QA results, determine process failures and trends and Report to Sr. Management in “Executive Summary Report”.• Reporting of trends in fraud and underwriting which adversely affect bank profitability to upper… Show more • Conduct detailed compliance review and second-level analysis of reviews by Junior QA Analysts. Provide coaching/training.• Subject Matter Expert for the team which contributes to the development of new concepts, techniques, policies, and standards.• Analyze QA results, determine process failures and trends and Report to Sr. Management in “Executive Summary Report”.• Reporting of trends in fraud and underwriting which adversely affect bank profitability to upper management.• Responsible for compiling and submitting “testing team summary report” to senior and regional management which includes recommendations for loan samples to keep in bank portfolio and loan samples to put back to Division portfolio. Show less

• Facilitate the sale and purchase of assets to 3rd party investors for securitization.• Ensure branches follow all government, state specific and company regulatory guidelines and manage credit risk.

• Responsible for nine offices in six states and managed 18 processors. Travel monthly to each office to perform audits.• Set time parameters to be met by branch managers and their staff to correct any compliance and underwriting issues.• Senior project manager of fraud reporting which tracked and monitored trends in fraud and underwriting. Sampled files and tested for fraud by customers and bank staff. Reported findings to senior management and Senior Vice… Show more • Responsible for nine offices in six states and managed 18 processors. Travel monthly to each office to perform audits.• Set time parameters to be met by branch managers and their staff to correct any compliance and underwriting issues.• Senior project manager of fraud reporting which tracked and monitored trends in fraud and underwriting. Sampled files and tested for fraud by customers and bank staff. Reported findings to senior management and Senior Vice President.• Responsible for ensuring underwriters follow government regulations and follow quality control standards.• Responsible for processing and analyzing FHA, VA,CRA and Conventional loans for adequacy of documentation, compliance with regulatory standards, internal policies, and adherence to investment quality criteria Show less

• Trained the bilingual sales staff.• Delivered credit decisions for a five-state region for automobile, RV and special CRA accounts.• Developed, wrote and implemented procedures for bilingual credit applications and compliance.