Sheeba Mehdi Email & Phone Number

Mission Viejo, Ca, Us

Mission Viejo, Ca, Us

Westlake Village, Ca, Us

• Reduced manual processes by incorporating and consolidating them into the Auditing Software that decreased manual errors by 20% and improved efficiencies.• Built great lines of communication between Business operations and Quality Control departments that removed the roadblocks and moved the loans faster for funding. • Identified material discrepancies in the company processes and controls and provided feedback to executive management in a timely manner to protect the company against any financial, operational, and reputational risks. Prepared monthly Quarterly Control Reports for the different products and channels to the Executive Risk Management. • Collaborated closely with the business partners in identifying root cause analysis, defect drivers and systematic and procedural breakdown in processes. Analyzed trends and helped the business formulate Management Action Plans to remediate loan defects.• Monitored moderate and material defect trending; assessed Risk Rating Thresholds and determined Target Defect rates based on the quarterly/annual Actual QC Defect rates. • Kept current on all regulatory and compliance law changes and updated the QC plan and QC audit protocols based on internal policies and procedures and investor agencies.• Assessed risks and reported to senior management via quarterly and monthly reports and determined an accurate percentage of risk-based loans that could create repayment risks and render loans unsalable to the investors. • Supervised and provided daily direction, coaching, and training to four underwriters. • Ensured sampling selections were statistically valid and included a good representation from each product and investor type.

Laguna Hills, California, Us

• Supervised and provided daily direction, coaching, and training to the internal Audit staff on how to test business controls to ensure if the business controls are working effectively. • Identified gaps / weaknesses in the business internal controls, made recommendations and formulated action plans to improve the internal controls.• Ensured Post Closing Internal Audit/Quality Control audits were completed as per SBA SOP requirements and Internal Policies and Procedures, including required time frames.• Performed servicing and special servicing reviews to ensure the servicing activities were in compliance with the SBA SOP guidelines and Internal Policies and Procedures. • Provided interim Internal Audit/Quality Control reports to operations team for their responses. Ensured management responses were completed within deadlines, and were accurate and appropriate.

Irvine, Ca, Us

• Managed and supervised 7 employees in performing Pre-Fund quality assurance and Post-Fund QC reviews, core servicing and default servicing reviews. Ensured sampling selections were statistically valid and included a good representation from each product and investor type. • Identified material discrepancies in the company processes, and provided feedback to executive management in a timely manner to protect company against any financial, operational and reputational risks. Actively participated in providing high risk areas and gaps in the processes to the Enterprise Risk Committee and Audit Committee that reduced the error rate by 30% and decreased corporate risks. • Worked closely with the business partners in identifying root cause analysis, defect drivers and systematic and procedural break down in processes. Analyzed trends and helped business formulate Management Action Plans to remediate loan defects. Tracked and tested Management Actions Plans to ensure corrective actions were taken in a timely manner. Reduced the company’s error rate by robust action planning that not only increased efficiencies but led the company towards constant improvements. • Provided monthly/quarterly executive summary of the QC findings to the Enterprise Risk Committee and Audit Committee that provided the Committees identify future emerging risks.

Managed supervised and trained 2 loan analysts in resolving cash flow, loan closing, core serving and special serving including Foreclosure, Bankruptcy and Loan Modification reviews and servicing issues.• Assessed risks and reported to senior management via quarterly and monthly reports determined an accurate percentage of risk based loans that could create repayment risks and render loan unsalable to the investors. • Successfully implemented the risk based Quality Control program that resulted in reducing the exception rate by 30%. • Achieved a 99.9% accuracy rating by developing a high level of proficiency in ACES in the past two years.• Quality Control department’s well-administered procedures and control processes were recognized in press release on February 2, 2012, issued by Standard and Poor’s regarding the upgrading ABCS’ Servicing and Special Service ranking to above average. • Performed USAP testing and achieved a two year compliance with USAP servicing standards.• Prepare QC monthly and Quarterly reports with credit, Core Servicing and Special Servicing exception findings for senior and executive management.• Participate in the Operational Risk Management’s business self assessment, reviewed their ratings to ensure they line up with the Quality Control Management Action Plans. • Keep abreast of laws relating to Foreclosure laws in all states required.• Keep abreast of all changes made to SBA Guidelines, federal and state laws internal policies and procedures.