Quality Control Manager
Resume:
Cynthia Curry
Email: *********@********.***
Address: **** ***** *****
City: Arlington
State: TX
Zip: 76016
Country: USA
Phone: 682-***-****
Skill Level: Director
Salary Range: $80,000
Primary Skills/Experience:
See Resume
Educational Background:
See Resume
Job History / Details:
cynthia curry, ARLINGTON, tx 682-***-****
*****************@*****.***
profile
Well-qualified Professional with over 15 years of experience in the Mortgage Industry. Skilled at Underwriting, Analyzing, and Due Diligence/Auditing. Strong analytical, problem solving and negotiation skills. Polished written and verbal communication skills. Accustomed to working in fast paced environments with the ability to think quickly and successfully handle large volumes of loan files. Team player and production driven.
Experience
8/1/2011 - 1/21/2013 Solomon & Edwards/Bank Of America DFW, TX
Contract Senior Analyst/Office of Comptroller of Currency Project (OCC)
Responsible for overseeing production and quality goals of team members.
Responsible for training and educating team members on FNMA, FHLMC, FHA and VA and the OCC guidelines. Held daily and weekly team meetings.
Perform distress mortgage loan analysis of loan files, which include underwriting calculations,
DTI and reserve issues.
Review and analyze financial documents and applicable ratios. Review and analyze credit reports, income, title and appraisal documents to insure loan quality.
Identify, investigate and resolve issues on loans that indicate potential problems and/or fraud.
Very knowledgeable of FNMA, FHLMC, FHA and VA guidelines.
Professionally communicate decisions both verbally and written. Gather information to make decisions, explain decisions and products and work with third party Vendors and Attorneys.
Very knowledgeable of the HAMP and other GSE and NON GSE loan products.
Received over 90% on all Mandatory Income Calculations Test.
Meet and exceed production goals.
5/1/2010-7/1/2011 Silicon Valley/JP MORGRAN CHASE DFW, TX
Contract Quality Control Analyst/Underwriter
Reviewed and analyzed financial documents and applicable ratios. Reviewed and analyzed credit reports, income, title and appraisal documents to insure loan quality. Perform distress mortgage loan analysis of underwriter's performance.
Familiar with Federal and State compliance guidelines for conventional and government mortgage underwriting.
Determine if customers qualify for HAMP or other loss Mitigation products and restructured loans when applicable.
Received Certificate of Appreciation for Quality and Accuracy over 95% for a consecutive 3 month period.
Exceeded production goals regularly.
Appointed to Mediation Team QA Analyst.
Responsible for reviewing loan files completely to determine if the file was underwritten using the appropriate guidelines. Acted as a liaison between the attorneys representing Chase and attorneys for the borrowers.
4/2003-3/2010 Preferred Choice Mortgage Connection Arlington, TX
Underwriter
Conventional purchase and refinance underwriter. Performed automated and manual underwriting using LP and DU. Demonstrated thorough understanding of FHA, VA, FNMA and FHLMC guidelines.
Analyzed credit, income, title and appraisal documents. Reviewed purchase contracts, identifying non-arms length transactions and seller concessions.
Remained updated on RESPA, Federal and State Regulations.
3/2000-4/2003 Allied Home Mortgage, Inc Arlington, TX
Branch Manager/Senior Underwriter
Managed, supervised and trained 10 loan officers, 2 loan processors 2 underwriters and 3 administrative staff.
Underwrote purchase and refinance loans using LP and DU automated and manual underwriting. Promoted to Branch Manager.
Demonstrated thorough understanding of Fannie Mae and Freddie Mac guidelines.
Analyzed credit, income, title and appraisal documents. Reviewed purchase contracts, identifying non-arms length transactions and seller concessions.
Cleared underwriting conditions and issued clear to close.
Responsible for overseeing loan files from initial application to closing.
Responsible for Quality Control of all files processed and underwritten in house. Responsible to identify potential fraud.
1998-2000 Community Homebuyers Mortgage Dallas, TX
Senior Loan Officer/Loan Processor
FHA/VA loans. Reviewed clients Income, Assets, Debts to determine if clients qualified for financing or recommended credit counseling.
Education
1986-1988 Tarrant County College Fort Worth, TX
Business and Finance Courses
Interests
Attending Church, reading, playing tennis and spending time with family.
Skills
Proficient with Windows, Microsoft Office, Including, Excel, Word, Access, PowerPoint, and Outlook. Knowledge of Web Based and Large Data Based programs.
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