Quality Assurance Real Estate
Resume:
Ashai Bogopane
C/o Post Office Box ****
[Linden], New Jersey [07036]
abn60w@r.postjobfree.com
QUALIFICATIONS
I am a highly motivated individual with experience at succeeding in fast
paced environments. I am able to handle multiple tasks while focusing on
priorities to meet deadlines. Additionally, I am able to effectively
communicate with all levels of staff.
WORK EXPERIENCE
BANK OF AMERICA, Newark, NJ 3/2012-
1/2013
Newark, NJ
File Reviewer III-Contractor
. Responsible for, but not limited to, evaluating default mortgage
servicing loans and files during the Claim Research process, to
determine if all required loss mitigation activities were handled and
documented in accordance with the requirements of HAMP, BAC
Proprietary Modification or other applicable program guidelines and
requirements.
. Review and compile fully documented loan histories, image documents
and information available from all sources to collectively determine
if it validates the information used to make the foreclosure decision.
. Complete Claim Review and perform Harm Evaluation according to
Promontory/OCC definitions;
. Determine if Borrower / Customer has a valid claim.
. Determine if there was financial injury.
. Provide a recommendation whether or not any errors,
misrepresentations or other deficiencies that may be
identified resulted in financial injury to the borrower or
the mortgagee.
. Re-underwrite files where borrowers were denied modifications to
ensure borrower was not declined in error.
. Responsible for reviewing loan ratios such as DTI and Net Present
Value. Review income documentation, reason for hardship and default,
credit history and FICO score, appraisal, BPO, tax returns, profit and
loss statements for employed borrowers, self-employed borrowers on
conventional and jumbo retail loans.
. Responsible for training new employees on procedures and systems to
ensure accuracy in production.
. Responsible for adhering to Regulation Z, Bank Secrecy Act, Community
Reinvestment Act, US Patriot Act and others.
Peoples United Bank, Bridgeport, CT
10/2010-2/2011
Underwriter -Contractor
. Reviewed residential retail loan files for completeness and accuracy,
calculated LTV, and DTI ratios. Analyzed credit documents; including,
but not limited to, mortgage applications, credit history and income
documents, appraisals and all applicable compliance
standards. Responsible for adhering to, but not limited to Bank
Secrecy Act, HMDA, Regulation Z, and Community Reinvestment Act.
Kenlin Capital
7/2008-3/2009
Company has closed
Remote Underwriter
. Assisted in credit decisions by analyzing financial statements and
credit history. Underwrote loan requests for commercial loans and
recommended approval or decline to company CEO. Responsible for
adhering to Regulation B, Regulation Z and all other applicable
regulations.
Ashai Bogopane
C/o Post Office Box 1838
[Linden], New Jersey [07036]
abn60w@r.postjobfree.com
CBA Commercial, LLC
1/2006-8/2007
Company has closed.
Commercial Real Estate Underwriter
. Performed credit analysis and underwriting of income-producing
commercial real estate including office, retail, mixed-use and multi-
family properties. Analyzed the borrower's financial and credit
history as well as the income and expenses of the property. Performed
credit, appraisal and cash flow analysis.
. Presented and recommended loans to Credit Committee for approval or
decline, ensuring compliance with company standards regarding LTV,
DSCR and DTI ratios. Also responsible for adhering to but not limited
to Regulation B, Regulation C, Regulation Z and the US Patriot Act.
RBS- Bridgeport, CT
11/2004-12/2005
Loan Review Analyst, Consumer Lending
. Performed quality assurance through systematic audit of underwriting
operations to test compliance in al regulations, including, but not
limited to Regulation B, Regulation C and Regulation Z.
. Calculated debt ratios. Performed monthly loan review, prepared month
end report and presented findings in Loan Review meetings. Assisted in
the training of employees on policy, procedure and computer skills.
Reviewed suspicious accounts for fraudulent activity and made
recommendations.
Campbell Mortgage
Company has closed
5/2004-9/2004
Mortgage Loan Processor
. Prepared mortgage wholesale loan files by reviewing loan applications.
Scored loans using Desktop Originator and Gemstone underwriting
programs. Submitted complete loan packages to Lender for approval.
Prepared mortgage commitment letters. Ordered appraisals and Credit
Reports. Prepared weekly Reports for management.
. Knowledge of Jumbo, FHA, Sub Prime, and HELOCs. Responsible for
adhering to but not limited to Regulation B, Regulation C, Regulation
Z and Patriot Act.
Degrees Earned, Systems and Acquired Skills
FHA/VA Underwriting Training Class- Certificate- June 2009
Sacred Heart University - Fairfield, CT
Bachelor's of Science Degree- Business Administration - May 2003
Concentration in Management
Housatonic Community College - Bridgeport, CT
Associate's of Arts Degree- Liberal Arts - May 2000
Software and Skills
Excel, Outlook, Word, Point/Calyx, Desktop Underwriter, LP, AS400, Impact,
Encompass
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