Quality Assurance Manager

Cindy Walker

***** ***** ******, *** ****

Temecula, CA 92590

951-***-**** *********@**.***

Objective: Looking for an opportunity where my years of experience in

mortgage, finance and credit would be an asset to a

company.

Qualification: Windows 7,Microsoft Word, Microsoft Excel, Microsoft

Access, Microsoft PowerPoint, Loan Process System,

LenderLive, Collections, Desktop Underwriting, Ivolt,

Source Net, Western Union, Utility Payments, Sales, Data

Entry, Assessing, Evaluating, Monitoring, Counseling, 10-

key, 35 WPM, Home Affordable Modification, In House

Modification, Home Lending Default Policy, Clues,

Neighborhood Assistance Corporation of America, AS400,

Iportal, PAT, CaseTracker, SASE, Loan Process System, Loan

History Information System, Loan Admit. Mortgage Portal,

Mers, UrbanLending, LandSafe, Aacer, Equator, Lotus Notes,

HomeBase, HomeSaver Score Cards, FHA Guideline, and Non GSE

Guideline, Fannie n Freddy loans.

Experience: Rose International (Bank of America)

Westlake, CA

Quality Assurance Analyst 3

03/12 to 1/13

. Provide Quality Assurance Reviews for reviews

foreclosed loans, evaluate whether or not they were

processed in accordance with HAMP, Proprietary

Modification or other applicable program guidelines

and requirements.

. Requires review of fully documented loan histories,

imaged documents and information available from all

sources to collectively determine if it validates the

information used to make the home retention / loss

mitigation decision.

. Complete Quality Reviews according to clearly defined

requirements.

Robert Half International (Promontory)

Orange, CA

Analyst-Complaint Review

11/11 to 3/12

. Review servicer-provided customer complaint, mortgage

loan documentation and decisions for accuracy and

completeness. Validate servicer computations of

borrower's indebtedness, financial condition and

refunds/remediation

. Condition complaint and loan files for missing

documentation in a clear, concise, and respectful

manner

. Enter data in proprietary case management system.

Draft loan-level comments in accordance with client

policy and procedure

. Review and analyze complaint and loan data as

required by the scope of the review, which may

include verification of data against multiple sets of

guidelines

. Demonstrate an in-depth understanding of Federal,

multi- state and local mortgage compliance

regulations

KForce (Steward Investments)

Carlsbad, CA

Set Up Processor 09/11 to 10/11

. Calls or writes credit bureau and employer to verify

accuracy of information. Types loan application

forms, using computer.

. Verifies, compiles, and types application information

for mortgage loans:

. Reviews residential loan application file to verify

that application data is complete and meets

establishment standards, including type and amount of

mortgage, borrower assets, liabilities, and length of

employment.

. Develop and maintain a positive working relationship

with brokers, correspondents, closing agents and all

internal departments.

. Demonstrate service excellence by providing high

quality customer service at all times to all internal

and external customers.

. Prepare file, including stacking for Underwriting.

. Perform data entry into system for the purpose of

tracking and updating the loan.

. Input credit report information and retrieve credit

reports.

. Responsible for sending all original declined files

back to brokers.

. Purge cancelled and declined loans and prepare them

for outside storage.

Aerotek (Bank of America)

Westlake Village

Underwriter (Auditor) 01/11 To 03/11

. Underwriting of residential loans ensuring compliance

with appropriate company and secondary market

investor standards.

. Responsible for examining loan documentations for

accuracy and completeness while working with loan

originator or production staff to secure all required

documents.

. Worked with more senior mortgage underwriters on

loan exceptions having the authority to withdraw and

decline loans.

. Handled several types of mortgage lending

(conventional, government-backed, etc.)

. Required to respond directly to individual and

investor audits.

. Assists with fraud detection and prevention.

. Responds to company, individual, and investor audits.

Chase Home Finance

Rancho Bernardo, CA

Modification Underwriter/Workout Specialist

08/06 to 06/10

. Analyzes and determines best course of action on

delinquent or potentially delinquent mortgage loans.

. Audit large or more difficult/complex residential

loan modifications ensuring compliance with

appropriate company and secondary market investor

standards.

. Assist existing borrowers who may be experiencing

difficulty meeting their monthly financial

obligations.

. Examine loan documentation for accuracy and

completeness utilizing analytical skills and

product/technical expertise necessary to execute

assigned responsibilities.

. Require the ability to apply credit skills and sound

judgment, focusing on key areas of the borrower's

ability, stability and willingness to repay their

loan.

. Require a strong understanding of and the ability to

educate borrowers on the efforts and outcomes of

government modification programs. (HAMP, CMP, Short

Sales, Deed in Lieu, Stipulated Plans etc.).

. Analyzes and determines best course of action on

delinquent or potentially delinquent mortgage loans.

. Verifies customer income documentation including

analyzing complex tax returns, resolves more complex

title, appraisal and subordination issues.

. Evaluates credit decisions for accuracy based upon

established risk parameters and in accordance with

policy, program, and product guidelines.

Check Exchange

Hemet, CA Assistant Manager

11/03 to

05/04

. Trained new employees, Audit store, supervised

employees, documented and planned work schedules,

responsible for the successful planning, and

inventory for the store.

. Listen to and fully understand all aspects of any

dilemma, successfully handled difficult customer.

Handle all collections for my store.

. Implement new office procedures. Sold products and

other services that we offered in the store.

. Establishes and maintains filed and records on an

ongoing basis. Answers telephones, routes callers,

takes messages and provides routine information to

clients or customers.

. Operated windows 00, excel, faxed, filed, data entry

and followed oral instruction. Interviewing and

securing of information from individuals to

determine, on the basis of laws and regulations, the

proper case action.

California Budget Finance

Riverside, CA

Branch Manager

6/02 to 08/03

. Regularly and customarily directs the work of staff

in the branch and exercises discretion and

independent judgment in performing duties.

. Answered three phone lines, faxed, filed, greeted

customer, colleted on past due accounts, processed

customers transactions.

. Appropriately interacted with customers and resolved

any customer complaints.

. Handle lager amounts of cash, and opened and routes

incoming mail, distributes correspondence and other

material to department staff.

. Used windows 00, maintains positive perception of

division by performing daily checks of the area. And

followed all company rules and policies

Money Pro

Perris, CA

Branch Manager

11/00 to 5/02

. Duties include people management, developing a customer

centered branch environment, expert product/service

knowledge, partnership with other areas of the company and

retail store management, and may involve community

involvement.

. Handle large amounts of cash, answering a total of 5 phone

lines, directed calls, took messages, faxed, filed, and

maintained documents and reports.

. Handle employee relations, oversaw and directed day to day

activities, capable of working effectively in a variety of

arenas requiring creative, innovative thinking.

. Proven ability to relate to professionals, maintaining a

high visibility and extending a courteous greeting to our

visitors. Maintained confidentiality.

. Accountable for branch balance sheet and financial

statements, and branch profit and loss.

Education: Chapman University Moreno Valley, CA

Social Science BA Degree

04/07 to Current

Ben Clark Training Center

Moreno Valley, CA

Level ll Modularly Reserve Certification 02/06

to 06/06

Ben Clark Training Center

Moreno Valley, CA

Level lll Modularly Reserve Certification

08/05 to 11/05

Summit Career College

Colton, CA

Medical Administrative Assistant Certification

10/96 to 03/97

Eagle Summit Academy Phylen, CA

Computer Office skills Certification

03/97 to 06/97

United Mortgage and Teller School

Riverside, CA

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