Processing Manager / Quality Assurance

Juan David Canseco

**** **** ***, *********, ** *2027

ac1wgh@r.postjobfree.com 760-***-****

PROFESSIONAL EXPERIENCE

Guild Mortgage Company San Diego, CA

Quality Assurance Auditor/ Prefunding December 2016 – Current

●Identify and resolve issues/errors in pre-funding and/or post-closing stage of loan file review, and take corrective action to bring loans in compliance with regulatory requirements and business standards related to area of specialization/expertise.

●Special Audit Review projects including reviewing files for both Processors and Underwriters on a high risk list.

●Support the sale of mortgage loans by examining them for accuracy, completeness, and compliance with policies, internal requirements, investor and third party management standards, and regulatory requirements.

●Review and re-verify as needed income, tax returns, consumer credit reports, debt to income ratio, asset statements, loan-to-value ratio, employment, etc.

●Perform risk assessments on loans to detect errors and omissions; identify and escalate potential fraud and violations.

●Evaluate selected loans with canceled or declined credit applications for accuracy based upon established risk parameters to ensure conformance with business and investor standards, regulatory requirements and product guidelines.

●Verify that required information and data related to risks, problems, etc. are clearly documented, and that proper procedures are followed for all corrections and exceptions.

●Recommend quality and general operational improvements and enhancements to training curriculum based on audit findings trends and deficiencies.

●Assist Senior Quality Control Auditors on pre/post close audits. Participate on internal project teams

Aspire Financial Inc. Temecula, CA

Regional Processing Manager July 2016 – December 2016

●Coordinated and supervised department workflow for a team of 16 processors to ensure workflow and proper coverage was maintained.

●Extensive knowledge of secondary market underwriting, processing and funding guidelines. Support department loan sales, quality assurance, mortgage insurance and compliance.

●Weekly meetings to ensure proper file flow timelines were being met.

●Handling of escalated issues and problem solving files (assisting LO’s and LOA’s in restructuring files).

●Drafted Policies and Procedures.

●Provided DPA training to processors (GSFA, CALHFA, MCC)

●Daily reporting to keep proper timelines for Disclosures (TRID), Process Flow and funding’s.

●Knowledge of Conventional, FHA, USDA, VA guidelines.

●Ensuring compliance with all regulatory and governmental standards, guidelines, rules and regulations, and the applicable state regulatory authorities, and any applicable federal, state, and/or local ordinances, administrative regulations and statutes.

●Knowledge of DU/DO, LP and GUS.

●New hire and team training (calculating income, credit reports, appraisals, bank statements, tax returns, insurance etc.).

●Part of the Recruitment Committee.

●Knowledge of functional areas such as: underwriting, processing, compliance, appraisal, escrow, title, closing and funding

●Performed semiannual employee job performance evaluations.

Pacific Western Bank Carlsbad, CA

Senior Loan Processor / Sr Loan Servicing Hybrid February 2013 – July 2016

●Currently managing a team of 6 processors.

●Assist underwriters in analyzing borrowers’ financials to determine qualification.

●Knowledge of DU/LP Aus systems.

●Pre-underwrite files to ensure proper submissions to Underwriting.

●Maintain constant communication between loan officers, Underwriting, clients and 3rd party vendors.

●Performed valuations and account reconciliation on new and existing participant portfolios.

●Responsible for training all lenders on IBS-FIS systems

●Owner and developer of report writing in Business Analytics.

●Assisted in project execution of systems migration and data mapping.

●Analyzed utilization and capacity against performance goals.

●Balanced all department general ledgers daily using Navigator and Oracle Applications.

●Owner of all processes varying from pipeline management, application, compliance, and closing.

●Identify operational processes inefficiencies and recommend necessary improvements.

JP Morgan Chase Bank San Diego, CA

Bankruptcy Discharge Audit Team Lead/Foreclosure Specialist III February 2011 - January 2013

●Reviewed and submitted Proof of Claims and Motion for Reliefs.

●Managed over 500 foreclosure cases in the northeast region. Maintained current knowledge of laws and regulations in order to minimize litigation. Verified loans adhered to SCRA, FDCPA and FHA regulations.

●Demonstrated the ability to understand complex legal and regulatory concepts under the Financial Industry Regulatory Authority (FINRA) and Department of Justice (DOJ).

●Managed numerous special projects assigned from senior management in regards to compliance and risk. Established clear expectations and goals for project teams. Tracked progress against timeline, milestones and revised as needed. Audited colleagues within team to identify emerging control issues and reported findings to Audit Management.

●Reviewed financial statements and provided projections to determine if asset was at risk from performing.

●Drafted new procedures for processes and trained department on updated procedures.

●Developed processes to strengthen internal controls and improve operational efficiency which led to a 30% decrease in operational errors.

●Handled all escalated emails from upper management and attorneys.

●Obtained proper Title Reports, Assignments of Mortgages, Allonges, Deeds (Trust, In Lieu, Assignment, Etc.)

EDUCATION

Western Governors University San Marcos, CA

Bachelors in Business Administration 12/2017

SKILLS

Computer: Lending QB, Title Pro, VA Portal (Web LGY), USDA Portal, FHA Connection, CC/UCS database, Fannie Mae/Freddie Mac lending portals, Microsoft Office, Excel, Oracle Applications, Business Analytics, FIS/IBS, Laser Pro, Navigator, Web Director, and CT Lien, Bilingual/Bicultural.

References:

David Constantino:

SVP National Production Aspire Lending – 951-***-****

Isaac Jaramillo:

Processing Manager Aspire Lending – 214-***-****

Maryna Fiola:

Personal Reference – 951-***-****

Jessica Cortez:

Personal Reference – 619-***-****

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