Vickie Bryant Email & Phone Number

United States

Scottsdale, Arizona, United States

Identify, assess, and mitigate key operational risk factors that arise from inadequate or failed internal processes, systems or external events.· Able to effectively communicate with all levels of management in organization· Document and ensure communication of potential key risks to upper level management.· Maintain input of data quality of risk management systems· Recommend ways to control or reduce risk within Operations· Gather risk-related data from internal and external resources.· Communicate exam results and action plan directives· Effectively maintain balance between risk mitigation and operational efficiency· Produce reports that outline findings, explain risk positions, and recommended changes· Participate and provided support for various exams, projects, and other initiatives to increase awareness of the various projects.· Provide technical assistance to other team members with various system programs· Participate in various testing of programs to assess possible risks that would impact daily operationsConsumer Loan UnderwriterAnalyzed the financial status, credit, and property evaluations to determine feasibility of granting loans.· Examined loan documentation to determine degree of risk from various factors inclusive of regulatory compliance, fraud, and fair lending.· Ensured compliance with internal company policy, insurer guidelines, investor guidelines, and/or government regulations.· Audited internal bank processes and controls inclusive of reviewing borrower financial statements, credit reports, calculating debt and loan ratios, and conditioning loans in accordance with investor.· Examination of unusual, complex, and/or high-risk transactions· Identified material findings, inclusive of fraud red flags and inconsistencies.· Coach back to HPU regarding proper income calculations and overall review of problematic files· Effectively communicated with distressed borrowers to achieve a mutual resolution to delinquent mortgage loans

Reviewed Pre-and Post-Foreclosure referrals claims from Mortgage Servicers on defaulted residential properties to a standard review· Audited declined claims to determine if all appropriate issues were considered by Servicer · Resolved discrepancies for expense reimbursement requests submitted electronically or manually by Servicers to Investor· Ensure all claims filed and processed within Investor guidelines· Examine claims redirected through rules engine to referral queue for escalated review· Research and resolve escalated issues regarding reimbursement of foreclosure expenses· Educated servicer on Investor guide limits· Run daily reports of all processor activities to ensure stats were within Investor SLA· Trained new hires to ensure cohesive understanding of Investor guidelines· Effectively communicate with upper level management regarding department process improvement issues

Audited underwritten subprime funded loans for secondary marketing for quality control and compliance· Reviewed and approved documents needed to ensure the successful funding of closed loans· Navigated loans through (CLAS or WALT) system to ensure the successful purchase of loan files.· Ensured that data (CLAS/WALT) system was accurate for Capital Markets and Servicing· Verify loan-to-value ratios, completeness of application and credit reports.· Obtained/verified Title Commitment, vesting, payoff information, property address, legal descriptions· Prepared files for closing by updating payoffs, tax payments, date downs endorsements, and evidence of insurance· Prepared HUD1’s and other necessary documents pertinent to file (Quitclaim deeds, Subordination)· Contact internal and external customers to procure additional information required to complete files.· Verified HUD against lender closing instructions· Monitored representatives to ensure quality and low error ratio

Monitored daily tracking system for receipt of new escalated tax issues and distributed among team· Reviewed previous loan histories, escrow analyses, and closing documents for accuracy· Prepared reports for upper management to ensure quality assurance response time to customer issues remained within service level agreement· Achieved departmental top ranking among two other team sites for number performance in efficiency and effectiveness in handling customer issues· Recovered specific percentage of approved corporate advances from third parties· Communicated with mortgagors, tax authorities, and attorneys, and previous loan servicers· Implemented and maintained department policies and procedures, ensuring compliance with federal mortgage banking regulations, customer contact, and conflict resolution· Researched validity of mortgagor’s disputes of their escrow analysis and resolved issue· Directly trained all new employees to department