Quality Assurance Manager
Resume:
Dennis Fernandez Sr. Cedar Hill, TX *****
acbck5@r.postjobfree.com 214-***-****
Mortgage Servicing Operations
** ***** ** ******** ******* Loan Servicing Operations, which includes Loss Mitigation, Bankruptcy,
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Foreclosure, Mortgage Loan Audits, Conduct Compliance review Audits of all loan programs, which include
GSE loans Fannie Mae, Freddie Mac, FHFA and HAMP/ MHA/ CFPB guidelines.
MS Office Suite, (Word, Excel, Access, Outlook) Pivot Table, V-lookups, Charts, Visio and Toad (Run queries
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Pulling reports and gathering data to analyze business needs)
10 years of Mortgage Loan Examination Audits, Compliance Reviews, Quality Assurance, Processes and
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Examining Companies policies and procedures, Servicing GSE loans which includes FNMA and FHLMC.
10 years in Leadership Roles within the Default Mortgage Servicing Surroundings.
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10 years of Call Center Operations with Automatic Dialer Experience and producing reports, pulling queries
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to support default loan areas.
5 years Experience Analyzing Business Processes, Policies and Procedures. Pulling queries to identify business
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needs, which include Fannie Mae and Freddie Mac loans.
Additional skills- Experience with Servicing Platforms, which includes Fidelity, LPS, MSP, FI-SERV, LSAMS,
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Fortracs, DRI, AS400, Mortgage Serv, HSSN, SMDU, SharePoint, Crystal, Toad, Remedy help desk
application and Analyzing Bankruptcy Pacers/ Racer. Monitoring Vendor Management that includes ordering
BPO, Property Inspections and Property Preservations.
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Professional Experience
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Freddie Mac- Mortgage Reviewer Consultant 02/13-
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10/13
• Review loan files for Collections, Loss Mitigation and Foreclosure along with GSE processes, which includes
FNMA, FHLMC and MHA servicing guidelines, Program Compliance, and report deficiencies and seek
remediation.
Responsible for file audits and quality assurance regarding the new FHFA Servicing Alignment Initiative.
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Manage and analyze the default servicing portfolio and determine if they are in compliance with the new
FHFA guidelines. Performs quality control review related to loan servcing.
Handling of all processes and procedures includes all areas of default servicing (collections, loss mitigation
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timelines, borrower solicitations, foreclosure delays, modification and the HAMP/MHA). Also, provide a detail
summary and reports to the servicers on our findings.
Examines servicing records related to activities of the mortgage servicer ensuring compliance with Freddie
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Mac's default management and loss mitigation requirements. Prepares detailed written reports after each
examination identifying servicing violations and directing corrective action.
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Hilltop Advisors- Mortgage Examiner/Auditor 10/12-
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1/13
Responsible for analyzing and examinations of mortgage loans to validate accuracy of the fees and cost toward
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a modification.
Conduct complete audit of the loans to ensure compliance with investors guidelines, all defaulted loans
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timeframes were processed accurately. Examination of all loan documents to determine accuracy and ensure
follow up to make sure the corrections are made.
Validate loan modification fees were charged and assessed reasonable customary with in compliance.
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Report any potential compliance violations while auditing foreclosure and loss mitigation files.
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Bank of America- Servicing Manager 10/11-
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08/12
• Responsible for site reviews to evaluate compliance issues/review and analyze loan files that have been
approved by Underwriters, Loss Mitigation and Customer Relationship Managers to meet loan program
requirements in order to underwrite the loan.
• Managed and gather production statistical data to prepare analyses, reports, for use by business units and
senior management to identify gaps with in the processes. Analyze and communicate process flow
documentation.
• Monitor and perform side-by-side evaluation during the sites visits, which includes performance compliance
audits to determine whether approved loans have been underwritten in compliance with investors, government
and FNMA/FHLMC guidelines.
Fannie Mae, Senior Loan Servicing Specialist HAMP/MHA, 03/09- 9/11
Responsible for inbounds calls and e-mails from different servicers, homeowners, housing counselors and
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attorneys regarding guidance on the HAMP and also all GSE loans.
Following up with servicers via outbound calls and providing resolution to their issues regarding the HAMP,
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HAFA program.
Reviewing the latest information from the treasury regarding new changes and updates to the Supplemental
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Directives and Net Present Value (NPV).
Morgan Stanley /Saxon Mortgage, Servicing Supervisor 06/08-03/09
Manage day-to-day department functions, coaching and mentoring staff. Ran reports and pull queries to
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monitor daily activity and business needs.
Perform loan audit for compliance issues, quality assurance and assure that the deficiencies are corrected wit
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team members and upper management.
Review GSE (FNMA AND FHLMC) servicing guidelines and scorecards.
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Fiserv helps identified training issues and staff developmental needs through observation, monitoring, quality
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control and performance metrics.
American Home Mortgage- Collections Supervisor/ Loss Mitigation Manager 03/04-06/08
Responsible for coaching staff and monitored the queues by running daily reports, pulling queries to identify
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business needs from MSP, review loans and monitor department calls to provide an exception reports for
quality purposes.
Examine and review files are complete for a modification, which includes credit report, pay stubs, tax returns
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and financial statements to determine the borrowers current financial ability to repay the mortgage loan in
order to process and underwrite the loan modification.
Pull reports and ran queries to monitored teams scheduled adherence, quality assurance scorecards, right
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party contact, solicitation letters and follow up on promise to pays.
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Education
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University of North Texas- Certification in Paralegal
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Monroe College Bronx NYC- Business/Finance
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United States Military- 25TH Infantry Division- Airborne School
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