Quality Assurance Management

Roger Dumas-Pierre

**** ** **** ******, *******, FL 33313

************@*****.*** - Cell: 786-***-****

Work Experience

Over 12 years experience in the lending world with more than 10 years as

an Underwriter and Quality Assurance Associate.

. Broad experience in both retail and wholesale accounts management with

Loan Servicing.

. Specialty in Credit Risk Frontline Underwriting loans with all types

of Conventional matrix base Products (FNMA/ FHLMC) and Government

(FHA/VA).

. Senior Default Loss Mitigation Analyst/Underwriter with Certifications

as a Loss Mitigation Specialist and Forensic Mortgage Underwriter.

. Specialty as a Default Risk Bank Examiner with extended in-job

training as final product reviewer for all G.S.E's (Government

Sponsored Enterprises) and thrive in a fast-paced environment as a

reliable teammate and open to new methods and processes.

. Experience in Loss Mitigation services, Foreclosure sales, Loan

workouts, Short-sales, Deed-in-Lieu structuring, Forbearances, HAMP

and TARP.

. Experience in credit analysis and administration, asset quality

reviews, risk rating, risk assessment.

. Extensive Knowledge of FFIEC and the OCC and OTS standards handbook.

. Team Lead for the OCC Foreclosure Consent Order providing analysis

regarding

Compliance with the foreclosure process and application of

remediation.

Areas of Specialization

. Credit assessment & analysis

. Credit risk management and risk rating

. Credit administration and loan level approval.

FCO Senior Analyst & BANK EXAMINER (QC) (Contract)

Solomon Edwards Group - Charlotte, NC

October 2011 to Present

Responsibility includes: Team Loss Mitigation training- (First to Second

Level Review) Due Diligence and Harm Determinations per OCC (Office of the

Controller of the Currency) Guidelines as related to the Foreclosure

Consent Order (FCO).

Reconcile/Balance of Pre and Foreclosed Borrower's Account for Assessed or

Charged Fees and or Frequencies according to States' Statutes or Investors

Guidelines from (HAMP, HAFA, FNMA, FHLMC, and FHA/VA). Using: The Bank's

Desktop Underwriting (DU), Loan Prospector (LP), Automated Underwriting.

System (AUS), Bank of America AS400 system, I portal, HomeSaver, HomeBase,

LHIS, EPW, LAS, LAMP and other systems.

LOSS MITIGATION & FORENSIC UNDERWRITER (QA) (Contract)

JPMorgan-Chase - Fort Worth, TX

February 2011 to September 2011

Responsibility includes: Imminent Default, Loan Modification and Forensic

Underwriting (HAMP, HAFA, FNMA, FHLMC, and FHA/VA). Using: Desktop

underwriting (DU), Loan Prospector (LP), Automated Underwriting. System

(AUS), Agent Desktop (AD), Lender Live (LL) and Chase MSP System.

Underwriting HARP re-financings within the Bank's systems.

(SENIOR) MORTGAGE UNDERWRITER (Contract)

Merrill Lynch & Co - Jacksonville, FL

September 2009 to January 2011

Responsibility include: HARP refinances, Frontline/Default Underwriting and

Loan Modifications (Meeting all conditions prior to Closing decision and

follow guidelines for FNMA/ FHLMC & Private Investors' products. Manage

pipeline with conditions for portfolio loan servicing. Using Desktop

underwriting (DU), Loan prospector (LP).

Automated Underwriting System (AUS), Bank and Investor-owned Systems.

SENIOR UNDERWRITER (Contract)

Secured Funding/CFIC Home Mortgage - Atlanta, GA

July 2007 to August 2009

Responsibility included: Frontline Underwriting and Post Closing Service

(Gathering all docs necessary for final decision, follow the bank

guidelines for (FNMA, FHLMC) pricing and securing the best products

according to credit, follow up with third party vendor while assisting the

loan package through closing.

Using Desktop underwriting (DU), Loan prospector (LP), Automated

Underwriting System (AUS)

Calyx Point and/or Encompass).

ASSISTANT BRANCH MGR / SENIOR UNDERWRITER

Ameritrust Home Mortgage Center - Fort Lauderdale, FL

January 2003 to June 2007

Responsibility include: Management, Loan Origination Frontline Underwriting

(package residential

Mortgage documents for submission to banking lenders including (FNMA,

FHLMC, FHA/VA, and FHA using: Automated Underwriting System (AUS), Manual

Underwriting Calyx Point and or Encompass.

Follow lenders Guidelines and Matrices or, private investor requests.

Network with realtors/vendors, preparing loan packages for post- closing,

with surveys for customer satisfaction and retention.

SENIOR LOAN OFFICER/TRAINER

GBS Mortgage - Miami, FL

January 2000 to December 2002

Responsibility included: Consumer loan service, consumer and business

lending. Making lending decisions based on credit, appraisal and banking

guidelines. Processing Loans and Originating/Networking with third parties

(realtors, Homebuilders and Developers), etc.

Participation in community development meetings and associated with many

chambers of commerce and professional groups. Staff Loss Mitigation

trainer.

Education

Project Management (Continuing)

Villanova University

October 2012 to Present

Miami Dade College

Florida Title Insurance Law

October thru December 2003

Mortgage University

November 2002

Florida International University

September 1980 - October 1982

Additional Information

SKILLS:

Mortgage Origination - Default & Forensic Underwriting - Loan Processor &

Banking Relationship

Manager - loan Modification Counselor/Trainer - Mortgage Servicing

Consultant - Proficient in MS Office.

Speak, read and write: English, French, Spanish and Creole.

Supervision and Management of Staff, Team Player.

Creation and establishment of Processes, Training, Methodologies and

Metrics.

References: Will be furnished upon request.

Contact this candidate