Quality Control Analyst

MONIQUE BROOKS

Washington, D.C. *****

***************@*****.*** 202-***-**** ( other 202-***-****

Sr. Quality Control Underwriter . Risk Management

Extensively experienced and goal-oriented Underwriter and Financial

Analyst. Proven expertise in driving efficiency and productivity through

evaluation of financial documents, recommendations, systems and

implementation of process improvements. Accomplished mortgage professional

with government, conventional and commercial mortgage experience.

DE/LAPP certified Loss Mitigations Mortgage Put backs

Forensic Risk Analysis Secondary Marketing SBA Underwriter

Q/A Underwriter AllRegs Certified

MI Underwriter (RGU)

CAREER EXPERIENCE

Freddie Mac-McLean, VA, 8/2009- Present

Sr. QC Risk Analyst / Contractor

Servicing QC reviews for Non-Performing Loans (NPL); Accurint/Lexis Nexis.

Conducted complete risk analysis as well as writing and publishing

Repurchase Letters to lender partners. Performing Loans (PL) reviews for

eligible purchases to Freddie Mac. FHA/MBA 2009 loan reviews (HERA) for

provision of the bill (AllRegs courses - Fannie Mae/Freddie Mac).

Fifth Third Bank, New York, New York, 3/2007 - 8/2009

Sr. Commercial Underwriter / Contractor

Servicing QC reviews and analyzed credit information on current and

potential borrowers. Determined the advisability of granting credit and SBA

7(a) transactions up to $2.5MM.

Assisted Special Credits in Foreclosures, Liquidations and conducted Due

Diligence reviews on SBA Repurchase packages prior to being submitted for

SBA Guaranty payment. Reviewed documentation to determine if the loan was

eligible for an SBA loan. Commercial Loan Modifications and Loss

Mitigations; Secondary Market professional

Credit Suisse First Boston, NY

Serviced file audits and post close reviews. Performed Due Diligence and

Loss Mitigation underwrites for various investors on the secondary market.

Performed credit and collateral analysis in order to approve or reject

loans based upon investor guidelines. (HUD projects)

The Bohan Group, New York, New York, 2/2001 - 3/2007

Senior Underwriter/ Contractor

Freddie Mac, VA

Responsible for analyzing and underwriting single family and multi-family

residential mortgages; underwriting moderate individual consumer products.

Automated and manual underwriting. HUD approved; DE/LAPP certified.

Freddie Mac, VA

Conducted QC reviews of acquired loans for eligibility and underwriting

compliance with Fannie Mae Guide, DU guide and negotiated contracts with

Fannie Mae lender partners.

Goldman Sachs

Performed due diligence reviews for loans submitted from various financial

institutions. Analyzed credit documents including, but not limited to,

credit history, income documents, appraisals and applicable compliance

documents. Scratch and dent and appeals.

MGIC, Phoenix, Arizona, 1998 - 2001

MI Underwriter/ Contractor

Mortgage Insurance Underwriter for various wholesale lenders; Automated and

manual underwriting to approve, amend or decline submittals of proposed

residential loans. A & B paper; broker relations and jumbo products.

DU/DO/LP; Calyx Point; CLUES; EMITS

Citi Mortgage, New York, New York, 1995 - 1998

Sr. Government Underwriter - DE

Underwriting both conventional and government retail loans from origination

to close, to include: government bond loans; VA; FHA and UCC filing.

(DE/LAPP approved)

Wachovia Bank, Phoenix, Arizona, 1992 - 1995

FHA Underwriter

Underwriting both Government and Commercial loans from origination to

close, to include, government bond loans, SBA loans, FHA and VA loans; UCC

filing. (DE/LAPP approved

EDUCATION

BBA, Accounting & Finance

UNIVERSITY OF Illinois - Chicago, Illinois

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