MARIA L. CONNORS

301-***-****

ac8kpr@r.postjobfree.com

Professional Summary:

Mortgage professional with over 15 years as a technical expert in the development of residential mortgage quality control solutions as a Lead Underwriter and Quality Control Analyst. I work collaboratively with team members in an effort to provide tactical implementation by identifying banking laws, rules and regulations. I specialize in performing and training in high volume Retail and Wholesale production channels, from inception through servicing within, but not limited to the following areas: Conventional, Non-Conventional, Jumbo, and Subprime Underwriting; Loss Mitigation, Review of loans for possible fraudulent activities, Quality Control, and Due Diligence for single family and multifamily homes emphasizing profitability, accountability, teamwork and delivering exceptional customer service.

The Oakleaf Group, LLC – Bethesda, MD

Senior Quality Control Analyst (02/2015 to 12/21/2018)

Quality control reviews of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre-closing and post-closing audits and other client required quality service levels. Perform quality control audits on previously underwritten loan files to determine compliance with Lender credit underwriting guidelines, and warranties.

Complete loan file review to cover all aspects of credit, capacity and collateral to determine investment quality and alignment with credit philosophy.

Conduct audits on loan documentation and post- closing servicing documentation for evidence of misrepresentation in the original loan submission.

Proactively identify and monitor adverse trends and report findings

Compile findings into summarized reports with attending exhibits

Work in a paperless environment

Litigation Support including but not limited to writing breaches

Forensic review

Small Business Administration- Washington, DC

Loan Officer 01/2018 to 03/2018

• Underwrite disaster loans and make recommendations on collateral needed to secure loan

Research and review deed documentation to confirm ownership

Justify reasons for securing loan

Treliant Risk Advisors – Washington, DC

Mortgage File Reviewer/Compliance Analyst (12/2014 to 02/2015)

Review, analyze, validate and monitor mortgage loan documentation in accordance with the Home Mortgage disclosure act guidelines for major mortgage companies.

Submit corrective actions and results on a daily basis to management.

E*TRADE – Arlington VA

Sr. Credit Analyst (3/2014 to 8/2014)

Process and decision modification requests for 1st & 2nd loans according to specific policies, procedures and guidelines while demonstrating sound professional judgment.

Log, input and update decisions in various formats, including MS Excel, Access and web-based platforms

Communicate decisions with internal and external business partners

Wells Fargo Home Mortgage – Wells Fargo Advisors, Minneapolis, MN and Charlotte, NC

Senior Underwriter (8/2010 to 10/2013)

Evaluate risk, review collateral and make appropriate loan decisions based on established underwriting guidelines, information and documentation provided in the loan file.

Immediate application review, tax return reviews for self- employed borrowers and complex income reconciliation.

Specialized in frontline manual underwrites, ensuring compliant guideline and regulatory (Fannie Mae & Freddie Mac) implementation.

PHH Mortgage - Mount Laurel, NJ

Consumer Loan Underwriter (6/2010 to 8/2010)

Specialized in frontline underwriting (manual, DU & LP) ensuring compliant guideline and regulatory implementation, immediate application review, collateral valuation, self- employment documentation and complex income reconciliation.

JPMorgan Chase - Jacksonville, FL

Default Contract Underwriter (3/2010 to 6/2010)

Performed 2nd level review for bank-owned, non-government insured portfolios as well as private-investor loans that had recently been denied modifications.

Review loans to determine eligibility for the home Affordable Modification program

Wells Fargo Home Mortgage - Springfield, IL & Minneapolis, MN

Senior Underwriter/Risk Analyst (12/2008 to 1/2010)

Performed and trained all facets of underwriting for the retail and wholesale business channels for conforming and non-conforming loans.

Average 4-6 manual underwrites per day, 10-14 AUS underwrites or 20-25 forensic or conditions, clearing underwrites.

Evaluated exception requests, immediate application review, collateral valuation, self -employment and complex income reconciliation.

Specialized in frontline (manual) underwrites ensuring compliant guideline and regulatory (Fannie Mae & Freddie Mac) implementation.

CitiMortgage - Frederick, MD

Loss Mitigation Specialist (9/2008 to 12/2008)

Worked with borrowers to avoid foreclosure, using the waterfall of loss mitigation options to mitigate losses for the company

Analyzed customer problems and sought resolution

Mortgage Dynamics - Frederick, MD

Loan Auditor (2/2006 to 8/2008)

Audited loan packages to determine credit worthiness, income and asset analysis and collateral appraisal review, utilizing investor, government, FNMA/FHMLC, and corporate guidelines to ensure delivery of quality salable and insurable loans.

Manage risk on all aspects of residential mortgage loans pertaining to servicing, collateral, compliance, and property evaluation.

Check accuracy of all calculations and possible fraudulent activity

Analyze income, assets, employment and collateral documentations provided. Review these documents to identify and red flags/discrepancies and document all findings.

Perform forensic underwriting reviews of previously closed mortgage loans to determine compliance with underwriting guidelines.

AFFILIATIONS:

Big Sisters/Big Brothers of Los Angeles

EDUCATION:

B.S. Business Administration – Finance/Real Estate

California State University, Los Angeles

Proficient in all Microsoft applications, Excel, Loan Prospector, Desktop Underwriter and lender specific AUS processing systems, LPS, LIS, Core Logic/History Pro/Loan Safe and Property Valuation System, Sales Force, Internet, Lexis/Nexis, Thompson Reuters Clear, Paradatec and Rapid Reporting

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