Clifford Asbury

PHONE 916-***-****

EMAIL:ac7ez6@r.postjobfree.com

Clifford Asbury

Consultant

Skills and Experience

• Commercial FDIC Loss Share

Review

• Financial Regulations

Analysis

• AML/BSA/KYC Reviews

• ARM/ Negative Amortization

Note Auditor

• Bank/Mortgage Reporting

• Dodd Franks Regulations

• Flood Review

• Fraud Investigation

• FHA/VA Underwriting

• Internal Audit Review

• Mortgage/Bank Compliance

• Modification GPM Analysis

• Peer Reviewer

• Process improvement

• Patriot Act Regulations

• RESPA/TILA Testing

• SCRA

Industry Lines

• Banking

• Consumer Marketing

• Financial Services

• Film/Television

• Insurance

• Screenwriting/Copywriting

Computer Applications

• AS400

• AUS-DU/DO/LP

• Bank of America/CWHL

• Calyx Point

• CLUE/EMITS

• Recorder of Deeds Database

• E-Loans

• Imageware

• Internal Bank Systems

• Lexus Nexis

• Loan Soft/Ellie Mae

• MERS

• MS Access (advanced)

• MS Excel (advanced)

• National City Systems

• World Check

•

Education/Qualifications

• A.A.S Marketing,

Truman College

• B.S. Real Estate/History,

Chicago State University

• MFA, Creative Writing,

Full Sail University

Affiliations

• FDIC Security Clearance

Principal Areas of Practice

Strong analyst and underwriter with a unique combination of finance and systems, in the banking/mortgage industries. Passionate about process improvement and satisfying financial and non-financial management. Proven project professional with a strong track record of successful projects and happy clients. Major Projects

SENIOR/ QUALITY COMPLIANCE ANALYST- OFFICE COMPTROLLER OF CURRENCY CONSENT ORDER, $13B Bank Settlement

• Completed extensive OCC prescribed checklists and referenced guideline matrices in order to locate red flags and guideline violations (Note, Mortgage, Modification, Bankruptcy FNMA/FHLMC, and CFPB).

• Worked closely with project team lend to review process. The result was a review process that included a standard review workflow, a SCRA flow test table and a synopsis write- up of all review findings to be presented to OCC.

• Review mortgage foreclosure practice on a sample of files to document violations in OCC Consent order case. Identify and report exceptions within the file following defined parameters.

• Analyzed loan servicing practices- fees, foreclosure, bankruptcy, modification, payment and application per investor/government regulatory guidelines.

• Performed quality assurance checks and audits on completed HAMP Modifications, Deed-in-lieu, RESPA/TILA & Short Sale payoff files to identify errors.

• Performed an in-depth reviews of residential mortgage loan documentation for accuracy. REGULATORY COMPLIANCE SUBJECT MATTER EXPERT – Reviewed/Developed & Prepared Regulatory Processes

• Worked within a small team to develop a model that will test all transactions against government regulatory practices (TILA, REG A, C, Z, FACTA, AML, BSA, CFPB, DOJ, OFAC, ETC.).

• Collect, analysis, and prepare tables and graphic for HMDA quarterly reports. SENIOR ASSET MANAGER, 10 Billion/ 80,000 Mtg. Servicing Portfolio

• Assisted in the liquidation of an 80,000 loan servicing portfolio of a $10 Billion bank.

• Loss Share Commercial Asset review.

• Flood, Adverse Action, HO Insurance, and account review.

• Maintain and disbursed all incoming invoice, legal notices, and funds to proper FDIC channels.

• Prepared reports (HMDA, CRA, SCRA ETC) and managed audits (FHA, State and Investor review).

• Assisted in recovering $1.5 million in FHA insurance claimable mortgages.

• planning, implementation and on-going support of strategic tactics to maximize the efficiency of staff as a production channel.

Highlights of Career Positions prior to Consulting Career FDIC LOSS SHARE

• Review loss share assets for accounting and irregularities.

• Recover Fees, Interest and balance

• V.P. of PRODUCTION/MORTGAGE OPERATION MANAGER, 250m Annual Production

• Managed a production division of $250 Million and manage the environmental and infrastructure of the company.

• Provided detailed report to staff and executive team to support production, business development and training initiatives.

Professional Work History

JP MORGAN CHASE Analyst 05/2017 - present

Clayton Holdings/ Radian (CitiBank) Analyst 05/2016 -12/2016 Robert Half International (US BANK- Western Union) Analyst 04/2016 - 05/2016 Slate Professional/ Crowe Horwath (BECU, ARVEST, NY BANKS) Analyst 11/2015 - 01/2016 Warbird CP (Umpqua Bank) Analyst 11/2015 - 12/2015 Special Consult /FIS (State of California Consent Order Against Ocwen) Analyst 09/2015 - 11/2015 Infinity Data/ Warbird CP (FDIC BANK CLOSURE) Senior Asset Manager 03/2015 - 08/2015 Professional Asset Resources (Bank of West) AML Analyst 02/2015 – 03/2015 American Mortgage Consultants (Mortgage Clients) Consultant 11/2013 – 01/2015 Robert Half Management (Bank of West) Consultant- Compliance SME 02/2014 - 03/ 2014 Corelogic Information Analytics (Mortgage) Due Diligence Auditor 06/2013 – 11/2013 Cognitive Option Group (Bank of America) Consultant- Analyst 03/2013 – 06/2013 Solomon Edwards Staffing (OCC Consent Order) Senior Analyst/QA Auditor 12/2011 – 02/2013

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