Customer Service Quality Control

Scott Tessmer

214-***-**** ************@*****.***

WORK

EXPERIENCE: Detail Oriented, Due Diligence, Data Integrity Validation

Auditing, Financial Analysis, Asset Management

Rushmore Loan Management Services, LLC Nov 2016 – Dec 2017

Loan Boarding Special Loans Audit Specialist

Review/Audit of ARM Loans with upcoming change calculations

Create ARM Plans based on needs

Audit of Monthly ARM Change Notifications, Update Daily, Weekly, and Monthly ARM indices

CoreLogic Jul 2012 – Jul 2014

Due Diligence Underwriter

Quality Assurance, Credit Package, Income Calculation, Appraisal Review

Conventional, Legal Review

FNMA/FHLMC/FHA/VA/USDA/SFO/HFI/ DU /JUMBO /CONFORMING/NON-CONFORMING / ARM, HELOC, MOD

JP Morgan Chase Jan 2010 – Mar 2012

Mortgage Reconciliation Analyst

Reconciled Defaulted Mortgage Loans

Financial Analysis & Data Research

Loan Accuracy; Fraud detection; 2ND Review Audit

Loan Modification Review; HELOC

Northwoods Dreams Jan 2007 – Jul 2009

Underwriter

Underwrote Conventional conforming and non-conforming loans, Jumbo

Credit Package, Appraisal Review, Income Calculation

Reviewed, analyzed, and approved residential mortgages

Maintained accuracy and paid close attention to detail in all job functions

FHA, VA, FHLMC, FNMA, Conventional, DU, LP; HELOC

Homecomings May 2006 – Dec 2006

Due Diligence Underwriter

Quality Control; HELOC, ARM, 2nd Mortgages, Conventional, FHA, VA loans; Compliance; Fraud Review; Audit Files; Loan Mod, Jumbo, Conforming, Non-conforming, HELOC, Appraisal Review, AVM

Conducted Financial Document Review and Credit Analysis;

Systems: Calyx Point, Encompass, DU, LP ; detail oriented

Wells Fargo Home Mortgage Jul 2005 – Apr 2006

Repurchase Underwriter Analyst IV

Due Diligence - Conforming and Non-conforming Loans; Fraud detection; Compliance

Forensic Review, Disputed Repurchase demand with Clients

Reviewed, analyzed, and approved consumer mortgages; Full Audit

FNMA/Freddie Mac/Conventional/FHA/VA loans according to WFHM Guidelines

LPS, LIS, NLPS, DU, LP, AUS; Lexis Nexis

ResCap RFC-GMAC Jan 2001 - Jun 2005

Delinquent Loan Analyst

Due Diligence Legal Review: Audited Residential Loan Files; Fraud detection

Determined Reason for Loan Delinquency, Quality Control; Audit Files; Forensic Review, Jumbo, Conforming, Non-conforming

Computer Systems & Databases: Internet Research, LexisNexis

Researched Client Call Logs, IRS Tax Documents, HELOC, Bankruptcy Reports [Banko.com], Note, Mortgage, Title Insurance, 1003, Employment Income, Credit Reports, Residential Appraisals, Land Appraisals

Composed Summary Reports. Negotiated Re-purchase with Clients if necessary

1st Tennessee Capital Aug 1998 – Dec 2000

QC Underwriter

Quality Control, Compliance Underwriting, Full Audit, Appraisal Review

Consistently practiced excellent Customer Service and Professional Communication

Sub Prime Loans: No Ratio Program, Jumbo. igning Auth. 90% LTV up to $650,000

Conventional, FHA/VA, LAPP, DU, LP, AUS; Lexis Nexis

Due Diligence, Shipping & Receiving, MI, Leppurd 2.0 Software

Norwest Funding Inc Dec 1996 – Jul 1998

Sr. Funding Analyst

Due Diligence Post-Closing Compliance Underwriting; Compliance; Quality Control

Credit Underwriting, Appraisal Review. Auditing/Legal Review Residential Loans

Sub-Prime, Conduit, HELOC, CEMA, ARM, Conventional, JUMBO, DACC, Single-Closed Construction, FHA, & VA, DU, LP, AUS

Servicing Package, Insurance, Debt Ratios, Credit Reports, Employment/Income Re-verification, 1003, TIL, Mortgages, DOT, Notes, Title, Assignments, Funding of Loans, Bulk Loan Project Funding

LPS, LIS, NLPS Systems. Internet Research. Detail Oriented

Trained New Employees

SQL Server

EDUCATION: Business Management with an Emphasis in Finance, B.S.

Brigham Young University - Marriott School of Management, Provo, UT

Microsoft Certified Systems Engineer/A+ Certified, Mindworks, Scottsdale, AZ

SAP HR Module, AdvanSoft, Golden Valley, MN

Software Testing, Lode Runner, Quality Center

COMPUTER LITERACY:

OPERATING

SYSTEMS Windows NT 4.0, Windows Workstation, Windows 98, 98SE, ME, Windows XP Home, XP Pro, XP Pro Corporate, Vista, Windows 7

SOFTWARE MSP, Black Knight, LPS, NLPS, Calyx, Microsoft Office Suite 2010 (Word, Excel, Access, Outlook, PowerPoint) including Data Import/Export, Mail Merge, and the Office Suite integration with Outlook email and contacts, Adobe, VMware, SQL Server, HP Quality Center

ERP: SAP R/3 versions: 4.7 & 5.0 ECC

FX Trading Station, Bloomberg Information System, LexisNexis, Internet Research, MetaTrader4, Forex, SaxoBank

HARDWARE Laptop, PC, MAC, PS/2, UNIX, AS400, Mainframe, Wireless Network, LAN, WAN

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