JOAN FABINY
Phone:440-***-****
adwsm1@r.postjobfree.com
PROFESSIONAL SUMMARY
Over 25 years experience in the residential mortgage lending industry. Knowledge in the entire loan cycle including origination, processing, underwriting, closing, funding, and secondary market. Emphasis on quality assurance, quality control and compliance risk. 10 years experience in a remote environment. SKILLS SUMMARY
● Financial intellect as well as fundamental understanding of a mortgage application life cycle
● Great communication skills and time management skills with the ability to prioritize and perform multiple tasks simultaneously
● Encompass 360, EasyLender
● Ability to analyze and comprehend complex financial data and provide financial alternatives
● Experience with Microsoft Office and Loan Application software
● Strong experience with FHA, Conventional, and VA loans
● Experience with purchase and re-fi transactions
● Strong leadership and attention to detail
PROFESSIONAL EXPERIENCE
Mphasis Digital Risk Mortgage Services
August 2020-October 2022
Home Preservation Underwriter
Outsourced provider to the mortgage banking
industry performing in-line quality control reviews of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre and post closing audits, compliance and other client required quality service levels. Second level reviewer of various
projects containing over 80,000 files. Identify
potential fraud or misrepresentation, underwriting deficiencies, and compliance violations for matters requiring attention citations. 99% accuracy of Covid 19 request reviews of loan servicing systems.
Geauga Savings Bank
February 2017-January 2020
Compliance Risk Specialist
Research compliance laws and regulations that affect the mortgage and chattel business. Assist in
implementing policy and procedure changes for the
different departments within the company.
Collaborate with business units to ensure that
control environments are designed to comply with
regulatory guidance. Project lead for loan origination software conversion built around origination and
servicing compliance.
Mortgage Servicing Specialist
Process subordinations, lien releases, and
lending-related payments. Assist with escrow
disbursements and prepare loan payoff statements
for customers. Provide accurate and timely
disclosures to a borrower as required by applicable law. Investigate, respond to, and, as appropriate, make corrections in response to complaints asserted by a borrower. Provide owners or assignees of
mortgage loans with accurate and current
information and documents about all mortgage
loans. Project lead for loan servicing software
conversion.
Nations Lending Corporation
December 2012-February 2017
Compliance Audit Associate
Review 20% of closed mortgage loan files per month with an average of 250 reviews. Responsible for
conducting mortgage regulatory audits on closed
loan files for compliance with company, state, and secondary guidelines, resolving pending items and
meeting loan delivery/purchase deadlines.
Quality Assurance Loan Closer
Review 100% of approved mortgage loans in quality
assurance in queue. Work to address practices that are not in compliance with program requirements.
Prepare loan closing packages and paperwork for
150-200 loan files per month. Ensuring the accuracy and completeness of all required documents.
Managing and resolving any concerns, problems, and documentation issues.
Acting as an intermediary between all parties
involved in mortgage loan transactions. Ensuring
closing details comply with state and federal
regulations.
Coordinating mortgage closing proceedings.
Maintaining accurate closings.
First Federal of Lakewood
June 2007-June 2012
Residential Mortgage Underwriter
Review and approve loan documents for a mortgage.
Assessing financial risk during the mortgage
application process, recommending appropriate loan products, and explaining loan details. Exceptional communication skills to correspond clearly with
brokers and clients.Ability to manage multiple
applications at a time.Attention to detail ensuring that they attend to all elements of the application process. Ability to assess a client’s credit and to analyze financial data, including tax returns and
other financial documents. Comfortable prioritizing their work schedule and required tasks.
Mortgage Loan Assistant
Responsible for helping customers research loans
and navigate the application, approval and closing process. Recommending personal loan options to
clients and explaining their terms, determining risks for loaning to clients based on their credit and
processing paperwork.
Home Savings & Loan
June 2002-June 2007
Credit Analyst/Closer
Review and approve loan documents for a mortgage.
Assessing financial risk during the mortgage
application process, recommending appropriate loan products, and explaining loan details. Prepare loan closing packages and paperwork. Ensuring the
accuracy and completeness of all required
documents. Managing and resolving any concerns,
problems, and documentation issues. Acting as an
intermediary between all parties involved in
mortgage loan transactions. Ensuring closing details comply with state and federal regulations.
Coordinating mortgage closing proceedings.
Maintaining accurate closing schedules.
Geauga Savings Bank
January 1996-January 2002
Mortgage Closer
Preparing and reviewing loan closing packages and
paperwork. Ensuring the accuracy and completeness
of all required documents. Managing and resolving
any concerns, problems, and documentation issues.
Acting as an intermediary between all parties
involved in mortgage loan transactions. Ensuring
closing details comply with state and federal
regulations. Coordinating mortgage closing
proceedings. Maintaining accurate closing
schedules.
Mortgage Processor
Review and verify loan documents including income, credit, appraisal, title insurance, etc., and ensure the information is complete, accurate and complies with company policies as well as meets underwriters'
requirements. Enter information into LOS, follow up and communicate with both customers and loan
officers.