Quality Control Manager

Sabrina A. Mickens

**** ****** *** ****** **** Jacksonville, Florida 32256

Telephone: 904-***-****

Email: **********@*******.***

Objective

Seeking a position in a growth-oriented company, where I can utilize my

skills in underwriting.

Profile

. Knowledge in mortgage origination, underwriting, and operations

. Loan production administration with prior supervisory experience

. Knowledge in automated, manual underwriting, and quality review

. Current knowledge of regulations regarding mortgage lending and

familiarity with both conventional and government policies

. Thorough knowledge of complex personal and business financial

analysis, tax return, and balance sheets

. Detailed oriented with excellent research and decision making ability

. Strong verbal and written communication skills

. Strong negotiating and problem solving capabilities

. Analytical time management and auditing skills

. Ability to work accurately in a fast paced environment to meet

deadlines

. Knowledge in mortgage loan concepts practices and procedures

Employment Experience

Mickens Investment (downsized) Jacksonville, Florida

September 2000 - March 2006

Loan Originator/Branch Manager

. Take initial client application and pull credit report

. Review client documents to ensure they meet guidelines

. Uploaded borrower information into DU/LP system

. Reviewed required documents for completeness and quality review

. Process and loan documents and monitor property appraisal process

. Coordinate closings, order title commitments, surveys, WDO's

. Calculate income and debt ratios

. Converse with underwriting and applicant concerning loan status,

programs, and guidelines

. Managed a team of originators

Xpress Mortgages PA (downsized) Jacksonville, Florida

March 2006- April 2009

Mortgage Underwriter

. Underwrite and review submitted files to analyze for approval and

compliance

. Ensure that loan requests meet investor guidelines, product

specifications, and fair lending practices

. Communicate decisions to appropriate contacts

. Review income documents provided by originator to ensure they meet

guidelines

. Provide quality control reviews

Fresh Start Financial Services Corp Jacksonville, Florida

May 2009- Present

Forensic Mortgage Underwriter

. Assist with fraud detection and prevention

. Perform risk analysis and forensic review on client's mortgage

foreclosures

. Make appropriate decisions regarding fraud identified during the

review of foreclosure complaints to ensure compliance

. Assist in performing sufficient investigative consulting in attempt to

resolve and obtain a work out resolution

. Managing complex financial matters

. Collect client documents for loan modifications and short sales

. Review each client case to decide on a possible work out solution

. Identify fraud and or misrepresentation on the part of all interested

parties

. Provide quality control reviews

. Negotiate short pay-offs and review BPO Reports

Education

Paxon Senior High School Diploma

Kaplan University Associates Degree-

Legal Studies

Kaplan University Bachelor of Science-

Legal Studies (expected)

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