Resume

Sign in

Sales Mortgage

Location:
Charlotte, North Carolina, 28214, United States
Posted:
November 08, 2018

Contact this candidate

Resume:

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



Contact this candidate