Quality Control Customer Service
Resume:
James Mallman
Pittsburg, CA *****
E-Mail: abki3s@r.postjobfree.com
925-***-**** (Message)
Summary of Qualifications:
Detail-oriented, financial services professional with experience in
customer service, sales and auditing. Deep analytical skills with specific
experience in fraud auditing, financial (tax) auditing and qualification of
collateral. Proficient in evaluating, developing and implementing policies
and procedures.
Details of Work Experience:
Underwriter: As an underwriter, I was responsible for the analysis of the
submitted files for Capacity, Capital, Character, Collateral, and
Condition. This includes ensuring that loan requests meet program and
product specifications. When loan request do not meet loan program or
product specifications, I would cross sell more appropriate products that
would meet client needs. In addition I was responsible for communicating my
decision if within my monetary limits, (approval, suspension, denial) to
the appropriate individuals within the company. My additional duties
included upholding lending practices within the company, meeting company
targets for productivity including quality and customer satisfaction, and
sign-off on all conditions ones completed by the client or appropriate
entity. Hand all incoming calls from to client with regards to the status
of their loan and dealt with requests for changes to the approved loans.
Quality Control Auditor: As a Quality Control Auditor, my main duties were
to review both open and closed files from all loan departments for
compliance within the company guidelines and policy and procedures.
Responsible for insuring that files adhere to both state and federal
regulations. In addition I was responsible for reviewing and providing
recommendations to the purchasing agent concerning the acquisition and or
liquidation of loans on the secondary mortgage market by determining the
risk levels of the loan that are to be sold or purchased in the secondary
mortgage market.
Fraud Auditor: As a Fraud Auditor part of my responsibility was to review
files submitted to me via various loan channels within the company. This
review included evaluating the legitimacy and risk of:
Income: Payroll statements, W2's, personal and business tax returns
Financial: Bank statements, 401k statements and investment /portfolio
statements
Legal: Divorce decree, child support, etc.
Other: Credit reports, purchase contracts and other collateral documents
The position also entailed the research of databases via the internet for
additional information of the potential client (i.e. public records,
licensing bureaus) for assistance in marking a determination if further
action should result in the placement of the client on the company's "watch
list" or counsel management on the possible termination of future
transactions of business with the client. Interviewed all parties on the
mortgage transaction.
Client Management Specialist: As a Client Management Specialist, I was
responsible for setting up policy and procedures which included originating
forms and required documentation from the brokers, correspondent lenders
and appraisers for both institution and annual renewals processes. This
process authorized the approved brokers, correspondent lenders and
appraisers to being able to submit loan files and appraisals to the office
for loan approval.
James Mallman Page 2
Work History:
Appraisal Assistant (on call)
Value Solutions, Pittsburg, CA. 1/09 to present
. Preformed research for comparable sales and listings, market trend
analysis and REO's for SFR and Condos.
. Accompanied Sr Appraiser on inspections helped with sketching of floor
plan and photos of subject and all comps.
. Help the appraiser in the write-ups for SFR and Condos/Puds.
. Help the Sr appraiser with reviews of appraisals from Condo to 2/4
Units.
Underwriter/Home Servicing Specialist Bank of America,
Concord, CA 2/08 - 8/08
. Loan approval limits of $1 million on 1st mortgages and $100k 2nd
mortgages.
. Reviewed docs for misrepresentation and compliance to condition
requested.
. Reviewed and approved any subordinate financing if required.
. Approved all types of loans from: Stated income, full docs and alt
documentation.
. Reviewed and calculated income from the following doc's types (W'2,
self employed and "S" Corps).
. Reviewed and cleared all underwriter conditions.
. Reviewed and cleared appraisal, title and condo/pud docs.
. Interviewed customers to verify loan information and for fraud checks
and also cross sold bank products and services to customer(s).
. Keep both loan officer(s) and customer(s) updated on status of
file(s).
. Underwrote to Bank of America. FannieMae and FHA guidelines.
. Managed a pipeline of 50+ file per month.
. Reviewed funding conditions.
. Document Drawer at end of month.
Underwriter/Home Servicing Specialist Adecco/Bank of
America, Concord, CA 4/07 - 2/08
. Loan approval limits of $1 million on 1st mortgages and $100k 2nd
mortgages.
. Reviewed docs for misrepresentation and compliance to condition
requested.
. Reviewed and approved any subordinate financing if required.
. Approved all types of loans from :Stated income, full docs and alt
documentation
. Reviewed and calculated income from the following docs types (W'2,
self employed and "S" Corps)
. Reviewed and cleared all underwriter conditions.
. Reviewed and cleared appraisal, title and condo/pud docs.
. Keep both loan officer(s) and customer(s) updated on status of
file(s).
. Interviewed customers to verify loan information and for fraud checks
and also cross sold bank products and services to customer(s).
. Underwrote to Bank of America. FannieMae and FHA guidelines.
. Managed a pipeline of 50+ file per month.
. Reviewed funding conditions.
Sr. Underwriter/Auditor
SRS Group, Walnut Creek, CA. 10/06 - 2/07
. Underwrote both 1st and 2nd mortgages (Prime and Alt-A) loans.
. Reviewed and approved any subordinate financing if required.
. Approved all types of loans from: Stated income, full docs and alt
documentation.
. Reviewed and calculated income from the following doc's types (W'2,
self employed and "S" Corps).
. Reviewed and cleared all underwriter conditions.
. Average 7+ new loans per day from multiple states plus reworks.
. Evaluate DISSCO findings and respond.
. Underwrote to FannieMae and multiple investor guidelines.
. Reviewed loan docs for misrepresentation and compliance for conditions
requested.
. Reviewed and cleared appraisal, prelim title reports and condo/pud
docs.
. Loan limits of $500k on 1st and $200k on 2nd.
James Mallman page 3
Sr. Underwriter (contract position) Unified
Capital Group, San Jose, CA. 2/06 - 9/06
. Underwrote both 1st and 2nd mortgages (Prime and Alt-A) loans.
. Approved both confirming and non-confirming loans
. Reviewed and approved any subordinate financing if required.
. Approved all types of loans from: Stated income, full docs and alt
documentation.
. Reviewed and calculated income from the following doc's types (W'2,
self employed and "S" Corps).
. Reviewed and cleared all underwriter conditions.
. Average 7+ new loans per day from multiple states plus reworks.
. Underwrote to FannieMae and multiple investor guidelines.
. Evaluate DISSCO findings and respond.
. Reviewed loan docs for misrepresentation and compliance for conditions
requested.
. Reviewed and cleared appraisal, prelim title reports and condo/pud
docs.
. Loan limits of $500k on 1st and $200k on 2nd.
. Supervised 3 to 4 Underwriters and Funders.
Quality Control Auditor (contract position) 1st Financial Staffing/WMC
Direct, San Ramon, CA 3/05 - 1/06
. Reviewed open and closed files for misrepresentation, compliance to
company policy and guidelines.
. Recommended to management the placing of brokers on a watch list or
canceling brokers from doing business with the company.
. Evaluate DISSCO findings and respond.
Sr. Underwriter
Irwin Home Equity, San Ramon, CA, 9/00 - 3/05
. Underwrote both 1st and 2nd mortgages (Prime and Alt-A) loans.
. Approved both confirming and non-confirming loans.
. Reviewed and approved any subordinate financing if required.
. Approved all types of loans from: Stated income, full docs and alt
documentation.
. Reviewed and calculated income from the following doc's types (W'2,
self employed and "S" Corps).
. Reviewed and cleared all underwriter conditions.
. Evaluate DISSCO findings and respond.
. Average 7+ new loans per day from multiple states plus reworks.
. Underwrote to FannieMae and multiple investor guidelines.
. Reviewed loan docs for misrepresentation and compliance for conditions
requested.
. Reviewed and cleared appraisal, prelim title reports and condo/pud
docs.
. Loan limits of $500k on 1st and $200k on 2nd.
Asset Quality Control Underwriter
. Reviewed open and closed files for misrepresentation, compliance to
company policy and guidelines.
. Recommended to management the placing of brokers on a watch list or
canceling brokers from doing business with the company.
. Helped write and review company policies and lending guidelines.
. Supervised 3 QC Underwriters.
James Mallman page 4
Underwriter
ICG/The Money Store, San Francisco, CA. 4/94 -8/00
. Average 5+ new loans per day from multiple states.
. Underwrote to multiple investor guidelines.
. Recommended to management the placing of brokers on a watch list or
canceling brokers from doing business with the company.
. Reviewed open and closed files for misrepresentation, compliance to
company policy and guidelines.
. Reviewed appraisal, prelim title reports, credit reports and condo/pud
docs.
. Reviewed and calculated income from the following doc's types (W'2,
self employed and "S" Corps).
. Approved both confirming and non-confirming loans.
. Loan limits of $350k on 1st and $175k on 2nd.
. Reviewed and cleared all underwriter conditions.
Client Management Specialist/Underwriter (auditor) ICG/The Money Store,
San Francisco, CA. 4/94 -8/00
. Helped write and review company policies and guidelines regarding
approval of new and existing brokers.
. Approved brokers, correspondent and appraiser to do business with the
company.
. Organized process to handle all approvals/updates for faster
approval/renew process.
. Supervised a staff of 3 employees.
Education
Bachelor of Science, Real Estate Finance - San Francisco State University
Associates of Science, Business Administration - College of Alameda, CA
Qualifications:
. Calyx Point
. Contour
. LoanPro
. A/U systems
. Microsoft word
. Microsoft excel
Contact this candidate