JOHN RINKER

303-***-**** acfs95@r.postjobfree.com

**** *. ******** **. #*** Lone Tree, CO. 80124

BANKING RISK AND COMPLIANCE CONSULTANT

Results-driven, highly recommended, ethical, hardworking Financial Consultant with a passion for excellent

client feedback. Extensive lending experience with a solid background in Regulatory Compliance. Available

immediately and willing to travel or relocate.

AREAS OF EXPERTISE

● Bank Internal Audit ● Dodd-Frank Stress Test (DFAST) ● Basel II● Credit Analysis ● Risk Analysis and

Assessment ● RESPA ● Customer Service ● Fraud & Forensic Audit and Underwriting ● Finance Audit &

Review ● Data Mining ● Due Diligence ● FNMA / FHLMC / FHA ● Compliance ● Consumer Financial

Protection Bureau ● Generally Accepted Accounting Practices ● BSA/Anti Money Laundering ● Technical

Writing Skills ● Office of Comptroller of the Currency (OCC) ● FDIC Clearance

PROFESSIONAL CONSULTING EXPERIENCE

SITUS

Contractor, Chicago, IL. / Brookfield WI.

Comprehensive Capital Analysis and Review (CCAR) and DFAST, April –August 2014

Most recently completed CCAR Basel II assignment under FR Y-14Q Retail Risk Schedule at a top 30

bank holding company. Quality assurance and audit of 4.5 million key data elements of the bank's

residential mortgages including 1st lien mortgages, home equity loans and home equity lines of credit.

Key Accomplishments:

Successfully delivered results under tight project deadlines within bank’s capital markets group.

Conducted stress testing on Residential First and Second loans with a 0.01% error rate.

Quality Control and Underwriting:

Ranked in upper percentile for Quality and Production.

NEWBOLD ADVISORS

Contractor, Fort Worth, Texas

Senior Quality Control Underwriter, May- December 2013

Audited, reviewed and underwrote loan samples for accuracy, completeness, and compliance with

Freddie Mac Seller Servicer Guide requirements for Non-Performing Loans.

Conducted comprehensive loan reviews of repurchase/indemnification requests made by

investors/insurers for representation and warranty violations and those loans deemed to have significant

deficiencies.

Assessed the claims made by the investor and made a risk based decision whether repurchase was

necessary, and recaptured funds from third parties on repurchased and defaulted loan as necessary.

Identified and reported material findings with respect to violations of investor/insurer guidelines,

state/federal regulations, company policy, and suspicious loan activity.

Utilized strong mortgage underwriting skills. Adhered to stringent quota and quality standards.

Responded to company and investor audits. Assisted with fraud detection and prevention.

Key Accomplishments:

GSE trained and certified with final Contract Exception authority.

Consistently ranked in upper percentile for Quality and Production.

Forensic research utilizing Lexis Nexis.

John Rinker

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AMERICAN MORTGAGE CONSULTANTS, INC.

Part Time Remote Underwriter, January 2013-April 2014

Responsible for in-depth underwriting and review of conventional, FHA, consumer, scratch & dent, non-

performing, and subprime loans, ensuring loan salability and compliance. Utilize knowledge and terminology

relative to the appraisal process to perform collateral reviews.

HILLTOP ADVISORS

Contractor, Rocky Mount, NC

Consultant/ Auditor/Analyst, June 2012 – January 2013

Auditor/Analyst for an OCC mandated audit of mortgage loans, multi-tasking on multiple work streams with

careful attention to detail. Utilized accounting methods in analyzing payment streams, history, duplicate billing,

and fees. Reported findings directly to the OCC utilizing communication and technical writing skills.

Key Accomplishments:

Executed first, second, and quality control-level audits of bank loans for an OCC mandated review,

applying strong analytical, problem solving, and multi-tasking abilities with a focus on detail.

Evaluated and implemented processes to improve project flow and faster delivery.

ALLONHILL Denver, CO

Loan Auditor/Analyst, November 2011 – May 2012

Specialized in loss mitigation. Reviewed and audited underwriter findings on loans in foreclosure. Evaluated

factors such as debt to income ratios, loan to value ratios, credit scores, property valuation and compliance.

Adhered to SCRA, HMDA, and RESPA guidelines. Analyzed, reviewed and reported loss mitigation waterfall

findings.

Key Accomplishment:

Promoted to a small, specialized due diligence department auditing underwriter’s findings.

B ANKING AND LENDING PROFESSIONAL EXPERIENCE

PULTE MORTGAGE, Denver, CO

Mortgage Consultant, August 2010 – March 2011

Specialized in builder loans. Originated and underwrote residential loan files for real estate purchase

transactions, overseeing entire loan process.

BANK OF THE WEST, Centennial, CO

Sr. Loan Officer, June 2007 – October 2009

Specialized in high wealth clientele, jumbo loans, and self-employed income analysis. Originated and

underwrote residential loan files for real estate purchase and refinance transactions. Utilized DU and LP to

evaluate subject property, financial strength, and credit worthiness of borrowers. Managed growth of existing

and new business.

Key Accomplishments:

Increased branch profitability with cross-selling expertise.

Anti Money Laundering Training.

KEY BANK, Greenwood Village, CO

Sr. Loan Officer, August 2006 – April 2007

Originated and underwrote residential loan files for real estate purchase and refinance transactions, utilizing DU

and LP and program guidelines to evaluate subject property, financial strength, and credit worthiness of

borrowers.

Key Accomplishments:

Achieved top customer service ranking and consistently ranked in the top percentile of customer service

surveys. Anti Money Laundering Training.

John

Rinker Page 3

US BANK, Denver, CO

Sr. Loan Officer, August 2000- December 2003, October 2004- July 2006

Originated and underwrote residential loan files for real estate purchase and refinance transactions, overseeing

entire loan process.

Key Accomplishments:

Consistently ranked in the top 25% in production.

Anti Money Laundering Training.

COUNTRYWIDE, Castle Rock, CO

Loan Officer, January 2004 – September 2004

Specialized in new construction loans. Originated and underwrote residential loan files for real estate

construction, purchase and refinance transactions. Oversaw entire process of conforming, subprime, Alt A and

HELOC lending. Evaluated the subject property, financial strength, and credit worthiness of borrowers

utilizing DU, LP, and Clues.

E DUCATION

University of Denver, Denver, CO, Bachelor of Science, Business Administration

PROFESSIONAL CERTIFICATIONS

Certified Bank Foreclosure Examiner

Certification National Association of Mortgage Underwriters,

Forensic Loan Review Certification 2013

Held mortgage licenses in 8 states, 2010 – 2012

FDIC Clearance

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