Vera Juncaj Zaverin, M.M. Email & Phone Number

• Set fraud, anti-money laundering (AML) and Office of Foreign Assets Control (OFAC) riskmanagement philosophy and strategy.• Provide oversight and expert advice to help ensure appropriate development andimplementation of fraud and money laundering prevention, detection, and resolutionstrategies designed to minimize the risk of catastrophic loss to Freddie Mac.• Establish and enhance policies, programs, reports and procedures to address relevantinternal controls to identify and report suspicious activity and help conform to FHFA,FinCEN, OFAC and other regulatory laws and directives.• Responsible for measures and systems that minimize losses from fraud and money laundering.• Provide leadership and guidance to subordinates at the manager and professional levels within the latitude of established company policies.• Aid in the development of business objects for the department including budgeting.• Ensure all SARs are filed timely and correctly according to regulation requirements.• Responsible for establishing and maintaining internal controls over fraud processes andrelevant documentation, policies, and procedures.• Oversee investigations to ensure they are timely and correct.• Oversee the deployment of the Freddie Mac Exclusionary List and oversee Suspended Counterparty Program inquiries and suspensions.• Maintain the Fraud Case Management System to support regulator reporting activities and SAR filing process.• Participate in determining business requirements for system enhancements, design discussions with project stakeholders and system testing. Act as Product Owner as needed.

Remote

• Successfully manage and provide leadership to a team of managers, overseeing their teams’ production volume, quality, and development, ensuring they are aligned with departmental goals and objectives while fostering positive relationships throughout the organization to influence desired outcomes. • Plan, direct, coordinate, and oversee activities for developing and executing comprehensive mortgage underwriting strategies that deliver on the vision, mission and values of the organization while developing leaders. • Build successful teams, hire, train, coach, and lead managers to continuously refine their team’s skills to reach and exceed production goals.• Maintain excellent written, spoken, active listening and interpersonal communication skills while ensuring teams have the resources, workflows, and training in order to provide the best experience to the sales team and customers.• Utilize critical decision-making skills and sound judgment to address and resolve issues. • Collaborate with executive leaders to improve performance in quality, processes, and skills. Also, to maintain high morale, productivity, production, and customer service.• Analyze risk and review audit findings to devise effective solutions in a high paced environment.• Provide strategic direction to each team by assessing quality and performance data.• Ensure seamless communication and implementation of updates within the department.• Identify opportunities in people, processes, and technology to drive operational efficiencies.• Evaluate and make exceptions as necessary to maintain efficient operations, addressing unique situations and resolving escalations promptly.• Oversee audits from various investors, including state and federal exams.• Reduce delinquencies, mitigate losses, and increase productivity to strengthen the bottom line.• Contribute to the overall efficiency of the company by developing, implementing, and maintaining policies & procedures.

• Oversee the effective assessment of financial risk by associates in the underwriting department.• Ensure alignment of associates' work with departmental goals and Homepoint's overall business objectives.• Manage workflow, procedures, and training of the underwriting team.• Facilitate daily communication with management, sales personnel, and internal associates across operational areas.• Develop and clearly outline performance expectations for each associate.• Utilize extensive knowledge of FMNA, FHLMC, Jumbo, VA, USDA, and FHA underwriting guidelines.• Ensure quality control to meet investors' requirements and respond to audits from HUD and investors.• Manage mid to large teams of team leads, underwriters, and Jr underwriters.• Make exceptions as needed and handle escalations to maintain efficient operations.

Troy, Mi

• Provide guidance, support, and leadership to a team of underwriters, ensuring compliance with policies, procedures, and risk management.• Lead teams in underwriting various guidelines, including Conventional Conforming, Portfolio/Jumbo, New Construction, Rehab, VA, FHA, MSHDA, USDA, OFHA, and FHLBI.• Improve operations, drive growth, and streamline processes to enhance turn times and operational efficiency.• Manage daily operations, including load leveling, pipeline management, staffing, coaching, training, and performance management.• Coordinate on-site investor audits and oversee the training and onboarding of new team members.• Hold approval authority for complex requests and exceptions to policy on non-conforming/non-QM/jumbo products.• Analyze complex accounts and financial statements, such as tax to cash analysis, debt service coverage ratio, and asset depletion, to make policy exceptions.• Act as a liaison with Executive Management, facilitating feedback between production sites and operations to improve communication and streamline efficiencies.• Investigate and recommend methods to enhance competitiveness, effectiveness, and profitability.• Respond to post-closing audit findings and repurchase demands within investor-requested turn times.• Manage a team of up to 12 underwriters and recognized as Top Operations Manager.

Troy, Mi

• Provide leadership and oversight to a team of underwriters in the residential mortgage underwriting department.• Ensure compliance with established policies, procedures, and risk management guidelines for both conforming and jumbo products.• Drive operational improvements and streamline processes to enhance efficiency and reduce turn times.• Manage day-to-day operations, including load leveling, staffing, coaching, training, and performance management.• Coordinate and facilitate on-site investor audits to maintain adherence to investor requirements.• Hold approval authority for complex requests and exceptions to policy, ensuring sound decision-making.• Foster effective communication among associates, sales teams, and customers to maintain smooth operations and customer satisfaction.• Demonstrate strong leadership skills in managing a team of up to 22 underwriters.• Continuously monitor and assess industry trends and regulatory changes to proactively adapt processes and ensure compliance.• Collaborate with cross-functional teams to drive business growth and achieve organizational objectives

Troy, Mi

• Conduct in-depth review of financial statements for individuals, including thorough analysis of corporate tax returns and balance sheets for self-employed applicants and executives with layered ownership interests in multiple entities.• Utilize a combination of manual methods and statistical software to assess RISK, INCOME, CREDIT, ASSETS, and COLLATERAL.• Make sound business decisions based on comprehensive analysis and clearly articulate the reasoning behind those decisions.• Successfully manage multiple projects with varying deadlines, ensuring timely completion while maintaining accuracy.• Perform asset reviews for higher net worth borrowers, evaluating various sources and percentages of liquidity such as cash, vested stock shares, unvested restricted stock, multiple retirement vehicles, and equity ownership interests.• Apply different qualifying guideline parameters to determine eligibility for loan qualification purposes.• Conduct in-depth financial analysis and adhere to company guidelines and investor standards for residential mortgage loans, with underwriting authority for applications up to 1.5 million+.• Possess corporate underwriting authority, demonstrating expertise in evaluating and approving FHA, conforming, and non-conforming/JUMBO loans.• Maintain up-to-date product knowledge in a dynamic and ever-changing environment.• Effectively communicate corporate and investor guidelines to customers, loan processors, and sales associates, ensuring clarity and adherence to established standards.

Master'S Degree, Business Management, Strategic Leadership

Bachelors, Business Management

Associate'S Degree, Paralegal

Bachelor Of Business Administration - Bba