Rose Eberhard Email & Phone Number

San Diego, California, United States

Responsible for overseeing the daily operations of the Closing team and for maintaining an in-depth knowledge of the entire loan life cycle in order to fully understand implications of the closing function. Ensures the performance of all duties in accordance with the company's policies and procedures, all U. S. state and federal laws and regulations, wherein the company operates.Responsibilities:Addresses closing related questions regarding process/procedures, and ensures closing team is providing detailed and accurate financial numbers to borrowers, title and escrow.Manages pipeline of loans to ensure all SLA's and closing dates are met.Communicates with internal departments (i.e. processing, compliance, loan officers, department managers) and outside partners (i.e. title and escrow) to close the loan and ensure documents are drawn within posted turn times.Manages workflow consistently with business needs, including but not limited to, assigning loans, special projects, and reporting to senior management.Communicates new policy and procedures related to closing with internal departments; ensures adherence to and enforces posted turn times.Ensures CD and closing documents meet RESPA, MDIA and Investor requirements; expedites urgent, important and special loans in a timely and efficient manner.Accurately files documents and information in the system and exudes all information is complete and accurate. Uses checklists and other job aides as necessary to arrurately complete all required information.Strategically review and audits loans for completeness (contains all data fields and documents), accuracy (true and correct), thoroughness (no details overlooked) and reliability (all sources are trusted).Performs other duties and projects as assigned.

404 Camino Del Rio S, Suire 300, San Diego, Ca 92108

As a Compliance Manager I am a dedicated professional focused on helping our Company provide excellent client service to its clients in compliance with all applicable laws and regulations. I report directly to the CEO and General Counsel and is responsible for executing and improving upon Company’s enterprise wide Compliance Management System.Audits: Conduct periodic audits to evaluate compliance with laws, regulations and operational policies. These cover compliance with AML/BSA requirements, Fair Lending laws, and LO Compensation rules along with operational oversight. As a Compliance Manager I manage the Company’s response to external audits performed by regulators, investors, PMI companies, and the agencies.Reporting and Analytics: Responsible for HMDA reporting and related loan production reporting mandates under state laws and the non-financial reporting requirements of the NMLS. I must also ensure reliable and actionable reporting on loan origination quality and present this reporting information to Senior Management in the monthly Compliance report.Operational Controls: Develop working knowledge of Company’s technical platform and its LOS and use that knowledge to help inform platform design choices to drive compliance quality without sacrificing operational efficiency.Advertising Reviews: Review all marketing and advertising materials to ensure proper disclosures are included and any UDAAP concerns are resolved prior to release.Licensing:Review, monitor, and renew company, branch and loan originator licenses through NMLS, review federal and state legislative changes, complete annual reports, and Mortgage Call Reports.Policies and Procedures: Maintain the internal policies and procedures in collaboration with the functional and departmental managers.Training: Provides topical training and support to sales and operational teams on compliance topics. Manage both the onboarding and continuing compliance education.

5887 Copley Drive, 4Th Floor, San Diego Ca 92111

Essential FunctionsWork with Compliance Department Management to identify and analyze areas of risk to the business.Think critically about changes in regulations that impact the business and Compliance processes, and recommend changes to the Compliance Manager to minimize risk.Monitor and renew existing company, branch, and loan originator licenses. Provide guidance to Loan Officers, Branch Managers and Production regarding licensing matters.Provide support to department manager by coordinating the gathering of documentation requested by state and federal examiners.Maintain tracking system to monitor for deadlines and due dates of various filings and renewals, including license and surety bond spreadsheets.Assist in filing and processing the mortgage call report and HMDA report quarterly. Notify department manager of any issues encountered during the filing process.Provide responsive, courteous and knowledgeable service to Branches and internal departments.Use computers to conduct research, including proprietary systems, subscriber databases and internet resources to resolve issues and verify compliance with regulations.Prepare and verify that complete files, including supporting documentation, are retained in accordance with required retention periods.Escalate issues that represent higher risk/fall outside of scope of responsibility.Provide guidance and training to less experienced team members.Identify and stay current on changes in industry regulations that impact work product. Ensure internal systems are updated as regulations change.Think critically about changes in regulations that impact the business and Compliance processes, and recommend changes to the Compliance Manager to minimize risk.Provide input to update internal procedures, documents and systems.Perform other duties are assigned.

5898 Copley Drive, 4Th Floor, San Diego Ca 92111

October 2013 – Present (2 years 9 months)5898 Copley Drive 4th Flr• Processor broker and correspondent applications and annual re-certifications• Understand HUD and VA regulations and apply that understanding to account maintenance• Maintain broker licensing/NMLS changes current• Troubleshoot account related issues as they arise• Manage broker compensation tiers• Interact with Wholesale and Correspondent Division personnel, account executives and management to keep account approvals current and in good standing• Interact with brokers, providing information and service they need to help them do business with Guild• Use available tools and evaluate available information to reduce Guild’s risk• Keep pace with industry changes and adapt to new policies and procedures ensuring compliance in how we do business• Develop knowledge of state licensing regulation and requirements• Any other reasonable duties required by Guild Mortgage Company or Branch Manager to be performed by Quality Control Analyst, Broker Services.• Conducting thorough due diligence to verify that the service provider understands and is capable of complying with applicable Federal consumer financial law.• Requesting and reviewing the service provider’s policies, procedures, internal controls, and training materials to ensure that the service provider conducts appropriate training and oversight of employees and agents that have consumer contact or compliance responsibilities• Including in the contract with the service provider clear expectations about compliance, as well as appropriate and enforceable consequences for violating any compliance-related responsibilities, including engaging in unfair, deceptive, or abusive acts or practices• Establishing internal controls and ongoing monitoring to determine whether the service provider is complying with Federal consumer financial law

5898 Copley Drive, 5Th Floor, San Diego Ca 92111

April 2009 – October 2013 (4 years 7 months)5898 Copley Drive 5th FloorStaff Accountant• Processed Sales• Processed Cash Flow• Process Trust Account Deposit, GAD Deposits, Esc Completion• Performed month end duties including journal entries, reporting and GL review.• Reconciling GL’s..e.g A/P Book Balance, Loan Servicing, etc..• Process FNMA & FHLMC DU Billing • Perform day to day procedure for funding wires• Allocate loans to various warehouse banks for funding• Review CPL’s if needed• Knowledge of what different warehouse banks procedures in pre funding loans• Prepares Daily Warehouse Reports• Review accounts assigned in preparation for numerous audits• Fund Payroll• Upload loans for funding with 5 different warehouse banks• Excellent in communication skills both written and verbal.• Ability to multi task and work independently

2365 Northside Dr. #500 San Diego Ca 92108

Chicago TitleMay 2003 – June 2008 (5 years 2 months)Stockton, California Area & San Diego Area• Perform the day-to-day daily procedure to maintain Trust Account Control Balance of counties assigned. • Receives incoming wires. • Review and releases outgoing wires.• Knowledge of using banking services to help Daily/Monthly Reconciliation’s (i.e. Positive Pay, Daily Banking, etc…)• Knowledge of handling returned items; Check Paid Differences, Checking charges and fees.• Managed multiple tasks concurrently.• Ability to meet deadlines.• Self Motivated, detail oriented and able to work independently.• Performed month end duties including journal entries, reporting and ledger review.• Review Accounts Receivables issues.• Assisted in preparing for the annual audit, including preparing various schedules, reconciliation, and providing documentation as needed.• Excellent in communication skills both written and verbal.• Proficient in TEAM and NGS software.