Tamara West Email and Phone Number

Responsible for remaining current on any and all investor and Agency guidelines and regulatory changes and implementing subsequent changes in Encompass 360 loan origination software.Collaborate with subject matter experts within the operational departments to determine what needs to be revised and/or added within the origination software.Work with trainers to ensure training materials are updated.Publish the rules to the Bank's intranet which includes Q&A situations to simplify understanding on the part of users in the various mortgage departments.

Perform comprehensive underwriting, quality control, and compliance audits of mortgage loans, both pre and post funding, for a large client base including banks, lenders, and other financial institutions.Provide leadership and guidance for a team of quality control auditors related to day to day operations as well as continually seeking out efficiency enhancements to increase productivity and employee satisfaction.Participate in weekly management meetings regarding branch and organizational production, troubleshoot workflow challenges and develop solutions.

Research, write, and publish mortgage related policies and procedures to ensure regulatory compliance for the organization from origination through servicing. Review and revise existing policies and procedures for current regulatory applicability and consistent standards.Lead the review and discussion of proposed policy changes recommended by any department.

Audit conventional, FHA, VA and USDA/RD closed and denied mortgage loan files for fraud, misrepresentation, credit quality, and compliance with state and federal mortgage banking laws and to ensure sound underwriting decision was made.Oversee the timely and accurate reporting of HMDA and CRA information while continually managing the HMDA and CRA databases. Prepare the monthly QC selection and maintain QC auditing software.Administer mortgage loan origination software.Conduct special investigations for fraud and compliance, and report violations to respective agencies/investors and senior management.Assist with putting controls in place to mitigate the chance of fraud and other non-compliance issues.Maintain, conduct and monitor audit policies and procedures to ensure compliance of all state and federal regulatory requirements.Assist Vice President of Compliance with day to day operations including, but not limited to default management processes, foreclosure proceedings, prepare correspondence to various state and federal agencies, attorneys, and other institutions.

Mortgage loan processing in a wholesale lending capacity. Maintained relationships with clients by processing loan submission from start to close.Cleared most underwriting conditions, resolved issues with company guidelines, priced and locked loans, ordered any necessary review work while providing the broker with excellent and timely customer service at all times.Supervised 5 Loan Account Managers and provided training and guidance.Assisted Branch Manager with daily tasks in relation to employee evaluations, branch performance, and production.

Extensive interaction with customers in all aspects of the mortgage loan process. Ensured all documentation is obtained for approval and sale in the secondary market.Scheduling of closings and review of closing figures for accuracy.Assisted Vice President of Operations with special projects such as creating and maintaining procedures manual and implementing the new procedures.

Reviewed conventional closed and denied mortgage loan files for compliance with state and federal mortgage banking laws.Performed post closing verifications of employment, appraisals, closing figures, Section 32 and RESPA compliance.Assisted Vice President of Compliance with daily tasks, prepare correspondence to various state and federal agencies, attorneys, and other institutions.Maintained multiple databases for various state and federal guidelines and licensing.Compiled and submitted required information for state licensing.