Stephanie E. Wilson, Mba, Amp, De Email & Phone Number

Highly focused, and analytical professional with a progressive record of success in large financial environments. Astute analyst and strategic thinker, able to deliver results on time with excellent levels of quality and completeness. Exceptional ability to identify potential problems and take preventive action, multitask, and adapt to swiftly changing conditions. Able to communicate at all levels within organizations, from entry-level employees through senior executives, as well as valued clients. Ensure full compliance with internal and external regulations and guidelines.

Through on-site examinations, and quality assurance review of these examinations at the top seven mortgage servicers and banks. Evaluate financial institution activities to assess/monitor compliance with policies and procedures as well as applicable federal and state laws and regulations. Meets with financial institution senior management to discuss findings. Generates reports, which identifies and addresses areas of significant risk and evaluates overall effectiveness of operations. Provides resolutions to an extensive range of complicated problems. Solutions are innovative, thorough, and practicable. Work under limited direction, independently determines and develops approach to solutions. Work is evaluated upon completion for adequacy in satisfying objectives. Represents the organization as the principal customer contact on contracts and often performs project leadership role. Interacts with senior customer personnel on significant technical matters frequently requiring coordination across organizational lines. Team lead for one of the top seven major mortgage servicers. Reduced exception rate by 75%. Performed quarterly reviews and presented results to senior management team. Successfully trained mortgage servicers on “Future State Testing.” Developed training materials used with “Future State Testing” training.

Successfully supervised and managed the income verification department whose responsibility is to underwrite the income for all modifications, including the government’s HAMP program. Responsible for ensuring that delinquent mortgage loans are serviced according to Litton Loan Servicing’s policies and procedures, including investor and governmental procedures and guidelines. Ensure caseloads are at a manageable level and that proper attention is given to each file in a timely manner. Work with other departments to maximize operational efficiencies. Responsible for handling escalated calls, including presidential complaint calls and letters. Consistently engaged in performance management by planning work, setting team and individual goals, defining expectations so that each team member is clear of daily goals and tasks, offer feedback with monthly one-on-ones, and writing annual performance reviews. Enrolled each team member in professional development classes to enhance their skill level and gain opportunities to learn more in their field. Reduced turn-times from several weeks to 72 hours. Created and facilitated Income Verification Training to meet the needs of the ever evolving modification programs. Maintained a consistent QC score within the Income Verification department of 95% or better each month.  Reduced the Income Calculation Error Rate from 6% to 2% per Treasury’s 2Q Scorecard- lowest error rate out of each of the 10 largest servicers.

Underwrote large or more difficult/complex residential loans ensuring compliance with appropriate company and secondary market investor standards. Examine loan documentation for accuracy and completeness. Provide training and direction to junior staff. Have authority to withdraw and decline loans. Develop and recommend modifications to underwriting and production procedures. Responsibilities include one or several types of mortgage lending (conventional, government-backed, etc.)  Successfully ran Loan Structure Desk which reviewed all non-approved automated loans from Loan Officers & Underwriters. Assisted Sales & Operations in structuring loans that benefit the borrower and are both insurable and saleable. Determined and submitted point loss approval to GS Trading Desk in New York. Assist management with interviewing underwriting candidates. Responsible for company obtaining their Eagle Certification from HUD, thereby allowing company to originate and fund FHA loans. Eagle was obtained in 2 months less time allotted. Assist with training new underwriters on policies and procedures and underwriting guidelines. Received employee of the month award for outstanding customer service. Received zero buy-backs from investors since time of employment.

Provided effective, technical and industry understanding reviewing and underwriting FNMA, FHA, and Alt-A loans. Reviewed borrower’s financial portfolio to determine risk factors and suitability for loans. Ensure total accuracy of work to meet deadlines and critical quality requirements. Delegated authority to approve loan amounts of up to $850,000.  Work with team to resolve issues in a timely manner.  Maintain timelines and quality standards, and assist with special projects as required by upper management.  Noteworthy achievements include #1 underwriter producing error free work saving firm considerable buy back costs. Employee of the month recipient

Master Of Business Administration - Mba, Business Administration And Management, General

Bba, Business Administration And Management, General

Activities and Societies: Honors Graduate, Eddie Bauer Leadership Recipient, Finance Club, University Concert Choir member