QC Underwriter

LeKesha M Smith

**** ****** **, *********, ** ***46

Home 972-***-**** Cell 214-***-****

*******.*****@*****.***

Knowledge and Skill Areas

Data Analysis

Project Implementations

Process Improvements

Root Cause Analysis

Quality Control

LP

AS400

I Portal

FHA Connection

Database Management

DU

SharePoint

EDMS

BPM

Technical Proficiencies

Operating Systems: Windows 2000 and NT, Lotus Notes, Windows 2003 Servers, Dame Ware-Remote Management, OS/390 MVS

Software Applications: CICS, JES/JES, TSO, MS Access, MS Word, MS Excel, MS PowerPoint

Professional Experience

Freedom Mortgage Corporation Mar 2013 – Mar 2018

QA Analyst/Underwriter - REMOTE

Perform Pre-Funding QA and Post-Closing QC reviews within SLA timeframes.

Adhere to company policies and procedures in order to avoid potential risk exposure and prevent fraud.

Validate Compliance with underwriting guidelines and procedures.

Maintain the confidentiality of review findings, customer data, and company proprietary information.

Perform ongoing tracking and follow-up of assigned audit issues through final remediation.

Review for accuracy items that are populated in the mortgage loans such as loan amount, interest rate, taxes, insurance and other applicable fees.

Communicate with production and operation teams such as Loan Officers and Loan Processors for submittal and the clearing of outstanding conditions

Responsible for underwriting high volume loans and issuing a final approval, completing Fast Tracks loans and dedicated to work OT daily as needed.

Reviewed and underwrote incoming files for VA IRRRL and ensured accuracy and equity to proceed with origination process

Cleared outstanding variances on Fraud Guard while underwriting loans.

Completed denial projects to clear out all loan types that did not meet the qualifications for servicing.

Retreat Capital Management Mar 2012 – Mar 2013

QA Analyst/Underwriter

Perform compliance reviews of short sales, Deed in Lieu, and REO loans to ensure accuracy and completeness of transaction.

Performs routine duties independently; discusses or seeks approval on material matters with management.

Provide support to new hires regarding any new and existing REO policies and procedures.

Communicated with Loan Processor’s for submittal and the clearing of conditions

Once final conditions are submitted reviews documentation and makes final approval for completing the appropriate loan origination program for each case

Responsible for processing high volume loans each week

Reviewed and underwrote incoming files for Fannie Mae and ensured accuracy and equity to proceed with origination process

Reviewed and updated all accounts assigned on a monthly basis with information gained from outside counsel

Made timely, accurate decisions on all Conventional/FHA/VA transactions using the Desktop Underwriter (DU) Software

Acted as final review for conventional loans and government loans.

Reviewed complex personal income and business financial analysis

JP Morgan Chase Oct 2010 –Feb 2012

Loss Analyst/Underwriter

Perform accurate and timely financial reconciliation of Default out of pocket expenses.

Process loss analysis tasks to complete the write-off/charge off of loans when completed analysis and approvals have been received.

Complete root cause analysis to identify source of losses by working with Default business departments such as foreclosure, loss mitigation, bankruptcy, claims, invoice processing, recourse and recovery, corporate accounting, investor and financial reporting.

Identify, communicate and track additional recovery opportunities with Investors, Insurers and/or Vendors and Default business departments and efficiently manage work queue with minimal controllable delinquent accounts.

Diligently research uncontrollable expenses on delinquent accounts for resolution.

Originated FHA, VA, Conventional, Refinanced and Reversed Mortgages

Ran Desktop Originators Software

Kept in contact with borrowers throughout loan process

Satisfied DO Conditions

Attracted new mortgage loan applications by developing relationships within the community, specifically with the real estate community

Approved mortgage loans by examining applications and supporting documentation; estimating credit-worthiness; calculated repayment risk

Calculated income ratios

Completed mortgage loans by monitoring collection, verifications and preparation of mortgage loan documentation

Maintained thorough understanding of investor guidelines and regulatory updates

Scheduled and completed mortgage loan closings

Verified various tax document for self-employed borrowers, corporate and partnerships

Handled confidential material in a professional and highly ethical manner

Federal Reserve Bank of Dallas Feb 2006-Oct 2009

Payment Service Analyst

Analyze and evaluate the flow of operations and provides technical directions and recommendations to improve utilization.

Review records and reports of production, system malfunctions and organizational procedures to improve process improvement.

Conducts a wide range of quality control test and analyses to ensure software meet the specific end user requirements.

Compile daily financial reports from three Federal Reserve Offices for high level management.

Participate in testing and system upgrades.

Bank of America Jan 1998- Jan 2006

Operation Support Analyst

Data Security implementation for new hires and existing staff.

Analyzed corporate accounts to determine the nature of their problem.

Ensure quality service, assist with reconcilement and post accurate adjustments.

Security coordinator selected to manage system access for semi annual audit.

Primary point of contact for high dollar customer discrepancies related to financial statement.

Education

Computer Learning Center, Certification Program in Network Technology

Discover U Graduate

Contact this candidate