Quality Control Customer Service

Christian Murillo

Irvine, CA

949-***-**** ****************@****.***

Professional Profile

Proficient, decisive, and dedicated senior financial professional with an extensive knowledge of the Financial &

Lending Markets. Considered a principal, team player, and motivator. Visionary, strategic and conceptual thinker,

able to generate new ideas and initiate change. Results driven, work judiciously and methodically to achieve and

exceed company-mandated goals. Thrive on a challenge; critically scrutinize and evaluate accounts/loans/lending

agreements/fiscal statements/liabilities and responsibilities.

Areas of Expertise:

Auditor Feasibility Analysis Market Research & Analysis

Legal Analysis Financial Analyst Conflict Resolution

Fraud Investigator Quality Control

Compliance / Accountability Implementing Best Practices

Technical Qualifications:

Microsoft: Windows, Word, Excel, PowerPoint Internet Applications/Research Salesforce CRM

Professional & Educational Experience

Promontory Financial Group/ Robert Half Irvine, CA 2011 –

2013

Financial Analyst

Provided detailed analysis to be presented to Congressional Oversight Committee by way of U.S.

Department of Treasury for error, harm, and compensation.

Conduct daily audits, as outlined by the Quality Control Plan.

Ensured that audits assigned are completed within the required timeframe.

Investigate suspicious activity within the loan process for loan fraud.

Research, examine, and analyze mortgage loan documentation (i.e. foreclosure, bankruptcies, FHA, SCRA,

Truth in Lending, Fair Credit Reporting Act, Regulation Z) to determine potential risks of various loan

transactions.

Supervise banks and enforce federal consumer financial protection laws according to the CFPB

Audit loans to make sure in compliance with Dodd Frank Act, TILA, and RESPA.

Investigate potential violations of federal financial consumer laws and assistance on all examinations of

bank compliance with CFPB and Consumer Protection Act guidelines.

PFS Financial Irvine, CA 2008 – 2011

Financial Analyst

Conduct pre fund audits and post closing audits on a monthly basis to ensure loan was within quality

control guidelines according to the Equal Credit Opportunity Act, Real Estate Settlement Procedures Act,

and Truth and Lending Act.

Ensure all loans are following FNMA, FHLMC, FHA and VA guidelines.

Conducted audits under the CFPB, State and Federal guidelines.

Analyze loan production data and department performance data and report findings via verbal reports,

spreadsheets, or prose documentation.

Responsible for variety of financial reports (weekly, monthly, quarterly, annually) for revenue, expense

actuals and variances.

Review defects noted daily to determine root cause, and downstream effects and partner with the applicable

department to develop a comprehensive and affective management action plan.

Assist in budget and reforecast process. Maintain budget and reforecast information in accounting system.

Analyzed internal financial performance and trends.

Prepared detailed reporting to senior management.

Christian Murillo

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949-***-**** ****************@****.***

National Home Owners Assistance Lake Forest, CA 2007 – 2008

Quality Control Analyst

Reviewed and reported quality control results pertaining to regulatory, investor, agency, and corporate

policy.

Tracked client files, provided detailed data and information records.

Performed post close quality control audits as necessary to meet investor, FHA, and GSE requirements.

Completed file audits based on random and discretionary sampling criteria.

Conferred with underwriters to aid in resolving mortgage application problems, direct positive outcomes,

and great teamed successes for both company and client.

Worked with Quality Control manager to identify opportunities to improve performance through procedural

amendments and training.

Reviewed files for data integrity to ensure within compliance.

Secured Funding Corporation Irvine, CA 2005 – 2007

Loan Officer

Analyzed applicant’s financial status, credit, and property valuations determining feasibility for loans.

Educated and explained to customer’s different type of loans availability and terms of loan.

Computed payment schedules.

Met with applicants to obtain information for loan applications.

Coordinated with loan processors and funding department to close loan.

800REFI Mission Viejo, CA 2002 – 2005

Loan Officer

Analyzed and verified loan applications to determine credit worthiness.

Managed and detailed pipeline for all originated loans through closing.

Sustained highest levels of customer service, ensuring repeat business and loyalty.

Consistently leveraged contacts to explore and develop solid referral contacts base.

Preserved company’s reputation by adhering to and upholding all established policies and procedures.

Attorney General, Office of the State of New York Harlem Regional Office 2002

Intern / Investigator

Skillfully interviewed clients before court hearing documenting and preparing data reports which were sent

before the judge to help with court cases and reviews.

Education & Professional Development

Bachelors of Science, Criminal Justice California State University Fullerton California, CA

Extensive hours devoted to ongoing professional development throughout career including workshops, conferences, information sessions,

peer connections & networking, and formal / informal short courses.

Community Involvement

Santa Ana Food Bank

Volunteer

Professional References Available Upon Request

Contact this candidate