Jerri Cooney
**** ********* **** ********* **, **214
Cell phone 704-***-****
ac7m1t@r.postjobfree.com
QUALIFICATIONS:
More than 20 years of financial background, to include managing, training, motivating and mentoring. Strong interpersonal and communication skills, having dealt with diversity of clients. Self-motivated, able to set effective priorities and implement decisions to meet deadlines. Adapt easily to new concepts and responsibilities due to changing markets. Ability to work in Wholesale, Retail and Consumer lending effectively. PROFESSIONAL EXPERIENCE:
7/5/2018 to 10/15/18 Inco Check-Rockhill SC.
Senior Compliance Auditor known for strengths in risk assessment, Lending & Underwriting Guidelines, Credit & Income Analysis, Cash-Flow Analysis, Risk Assessment, Debt-to-Income Ratios, appraisal review and valuation approval along with all documentation review Jumbo portfolio, Conventional, Conforming & Nonconforming Loans, ARMs, FHA,VA, USDA loans for multiple lenders daily.
Responsible for auditing the accounting and financial data to ensure compliance with government laws and guidelines
Handle the tasks of identifies improper documentation and conducts research issues by using EDD
Responsible for making necessary recommendations to improve policies and procedures accordingly to the standard of the organization
Performs the tasks pf reconciling discrepancies
Handle auditing for FHA, VA, and FNMA,Jumbo portfolio, FNMA, and manual mortgages for Construction, Preexisting SFD, Multifamily, And manufactured Homes loans on files before closing and after closing on refinance or purchase money loans
Performs mortgage loan audits according to the timeline and guidelines established by several lenders
Audits EPD and distressed loans to find out origination underwriting misrepresentation and deficiencies
October 2010 to January 2018: Accenture Credit Services (formerly known as Zenta) Senior Analyst specializing in KYC, Transaction Monitoring, High-Risk Analysis, Banking, Risk Assessment knowledge of regulations policies and laws governing the banking industry with strong analytical, organizational and investigative skills in transactional activity and transfer of funds, able to multi-task and works in a team environment. Experienced in OFAC Sanctions, KYC/CIP/CDD/EDD, CTR, prioritize a demanding and varied workload, high-level attention to detail without losing sight of the strategic vision to protect the Bank from known or suspected internal or external criminal activities
Responsible for identifying and researching the patterns, trends and anomalies in complex transactional and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering, terrorist financing and structuring.
Used transactional and customer records, external data, publicly- available information, and other information to identify suspicious or unusual activity.
Prepared suspicious activity reports for BSA/AML management.
Identified training opportunities and developed, conducted, and assisted with a wide range of BSA/AML- related training.
Conducted enhanced due diligence research of individuals through LexisNexis and other internet tools
Responsible for identifying and the review of complex business formation and governance documents
Senior Underwriter, Retail Division - $1,000,000.00 authority Sr. Mortgage underwriter known for strengths in risk assessment, Lending & Underwriting Guidelines, Credit & Income Analysis, Cash-Flow Analysis, Risk Assessment, Loan-to-Value Ratios, Debt-to-Income Ratios, appraisal review and valuation approval along with all documentation review Conventional, Conforming & Nonconforming Loans, ARMs, Loan Closing, Funding & Documentation, Account Service Excellence.
Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.
Underwrote and approved Loans based on Conventional, Fannie Mae, Freddie Mac, Manual Underwriting guidelines
Available to processors, closers and mortgage consultants for questions on specific loan files and interpretation of feedback reports from automated systems and manual complexed files
Issue final decisions based on the findings of FNMA, FHLMC automated systems, manual underwriting and convey decisions to operational and sales team members
Knowledge of all policies and procedures and the ability to communicate risks clearly and concisely through written and oral communications.
Review findings and documentation to insure compliance with agency and investor guidelines
Maintained credit quality scores of 97.66 or better
Restructure loans if necessary to find alternative solutions
Top 2 in class to be issued approval authority after 5 days on the floor
Qualified for the monthly and quarterly bonus 1st 30 days on the floor March 2009 to September 2010: Bank of America
Senior Underwriter, Wholesale Division - $1,000,000.00 authority
Underwrote and approved Loans based on Conventional, Fannie Mae, Freddie Mac, Manual underwriting guidelines
Knowledge of all policies and procedures and the ability to communicate risks clearly and concisely through written and oral communications.
Restructure loans if necessary to find alternative solutions
Maintained credit quality scores over 98%
Review findings and documentation to insure compliance with agency and investor guidelines
Issue final decisions based on the findings of FNMA, FHLMC and investors automated systems and convey decisions to operational and sales team members
Effective communication with brokers on conditions, approvals and declinations February 2008 - December 2008: Zenta Corporation
Senior Underwriter, $417,000 Authority
FHA underwriter for large National banks
FHA underwriter for large wholesale site
Expert knowledge of the FHA mortgage process and programs, as well as familiarity with Bankruptcy and Foreclosure process for a sector of lending including some FHA
Attended Mortgage Bankers Association workshop, Fundamentals of FHA and FHA Underwriting
& Operations Workshop, both instructor-led
Underwrote and approved Loans based on Conventional, Fannie Mae, Freddie Mac, Manual Underwriting guidelines
Responsible for adhering to guidelines for both Retail and Wholesale markets
Products knowledge for multiple lending institutions
Restructure loans if necessary to find alternative solutions