Sherri Darrow Email & Phone Number

Conducts loan level reviews for adherence to servicing guidelines and provide clear and concise feedback.Perform complex analysis of specific servicing requirements which includes testing for target and expanded reviews, and corrective action resolutions.Act as a subject matter expert with extensive mortgage servicing knowledge on federal and state regulations, as well as understanding of business best practices, processes and procedures to ensure audit scope is compliant.Strong knowledge of audit software, auditing techniques, and proficiency with utilizing large amounts of data is required.Self-motivation, with a proven ability to multi-task and work independently, as well as part of a team.Review applicable federal and state laws and regulations and makes recommendations to Servicing QC management.Assist and work closely with departmental staff within SQC and Operations Risk and participate in process improvement activities.Check all audit findings for completeness, accuracy, and identify risks associated with mortgage servicing.

Fort Mill, South Carolina, United States

Charlotte, North Carolina, United States

Fort Mill, South Carolina

CONSUMER LOAN UNDERWRITER 3 -WELLS FARGOWells Fargo-March 17,2014 to Present• Conduct analysis and prepare calculations in accordance with applicable rules, regulations, interpretations,and/or methodologies Level C Approval Authority with FNMA, FHLMC, Bank and Private, and Bank Owned• Perform independent sampling and review of transactions processed within business unit to assess effectiveApplication of credit policies and procedures, credit judgment, file documentation, and operational processingAlong with identifying and implementing solutions• Researching workouts to make sure appropriate actions are taken on a loan and within investor guidelines• Expertise evaluating complex credit requests• experience managing a portfolio of both fixed rate and adjustable rate residential mortgage loans• Learned to adopt quickly and professional when dealing with difficult mortgagers who defaulted on theirMortgage•Assigned to conduct independent reviews of loan documents submitted for modification by homeownerswith loans in foreclosure process. Held responsibility for the review and verification of the underwriters' loanapproval conclusions. Proven consisting in ensuring the best quality response for the borrowers and loanapproval process. Additional duties included the review of loan servicing files supporting documentation, andany other information that validated or invalidated claims using various internal and external research systems.•Providing complex financial analysis and research in support of management decision-making

Florence, South Carolina Area

• Manage the relationships with all external servicing vendors and partners• Conduct analysis and prepare calculations in accordance with applicable rules, regulations, interpretations,and/or methodologies Level 700 Approval Authority with Asset/Bank owned, FNMA, FHLMC, Bank and Private• Perform independent sampling and review of transactions processed within business unit to assess effectiveApplication of credit policies and procedures, credit judgment, file documentation, and operational processing.• Researching workouts to make sure appropriate actions are taken on a loan and within investor guidelines• Level 700 approval authority• Received Employee of the Quarter Service award in [Jan, 2013].• Trained new team members on applying due diligence procedures and regulatory mandates• Management of Pipeline• 4+ years underwriting experience and use of delegated credit authority• Expertise evaluating complex credit requests

Florence, South Carolina Area

• Manage the relationships with all external servicing vendors and partners• Cash/Corporate Accounting• Corporate Advance• Bank Reconciliation• Daily System Balancing• Review fraud cases, booked losses, and other data to determine extent of fraud risk• SAR Reporting• Payment Reversals• EFT/General Ledger•Processing, approving and monitoring wires as well as confirming and settling trades• Performed complex general accounting functions, including preparation of journal entries, account analysisand balance sheet reconciliations.• Reconciled discrepancies between accounts receivable general ledger account and accounts receivabledemand deposit accounts (DDA).• Coordinating the collection and compilation of data from respective business lines and/or subsystem providers ensuring data files are properly and timely submitted.• Research and analyze complex transactions and referrals to prevent and detect financial crimes activities, policy violations and/or suspicious situations with moderate to high fraud losses• Selected to provide training for new candidates, including procedure and systems training;• Promote process improvements, set and data quality Along with identifying and implementing solutions• Track and analyze new regulations, ensuring compliance in regulatory requirements along with internal procedures and guidelines, and relate to enforcement action and ways how it may impact significant issues andescalate to management in timely manner• Performed daily reports, managing data processes to support compliance•Providing complex financial analysis and research in support of management decision-making•Review and update all required SOX documentation, update procedures, and ensure all controls are in place to ensure accurate processing of all transactions. Researches accounting guidance and determines workflow for new investment types and transactions•Ability to gather, analyze, and interpret large data

Florence, South Carolina

• Team Lead for current supervisor which entails going to meetings, relating information out to the team• Cash/Corporate Accounting• Corporate Advance• Bank Reconciliation• Daily System Balancing• Consumer Lending Fraud• SAR Reporting• Payment Reversals• EFT/General Ledger• Performed complex general accounting functions, including preparation of journal entries, account analysisand balance sheet reconciliations.• Reconciled discrepancies between accounts receivable general ledger account and accounts receivabledemand deposit accounts (DDA).• Coordinating the collection and compilation of data from respective business lines and/or subsystem providers ensuring data files are properly and timely submitted.• Ensuring that all regulatory reports prepared by the department are timely filed in accordance with the applicable instructions• Selected to provide training for new candidates, including procedure and systems training;• Promote process improvements, set and data quality Along with identifying and implementing solutions• Track and analyze new regulations, ensuring compliance in regulatory requirements along with internal procedures and guidelines, and relate to enforcement action and ways how it may impact significant issues andescalate to management in timely manner• Performed daily reports, managing data processes to support compliance•Providing complex financial analysis and research in support of management decision-making