Quality Assurance Control

Ole Heinla

Walnut Creek, CA *****

Home Phone: 925-***-****

Email: *******@*****.***

Employment History

Wells Fargo Bank January 2013 to Present

Residential Mortgage Underwriter III -

. Underwrites conventional residential 1-4 family loans in accordance to

Wells Fargo policies and procedures.

. Loans underwritten adhere to FNMA and FHLMC guidelines.

. Communicates underwriting decisions to sales and processing staff.

. Consistently exceeded company metrics for quality and customer

satisfaction scores.

PMI Mortgage Insurance Co. 1990 to 2012

Summary of experience:

. Managed/supervised the underwriting quality control functions for

PMI's Credit Risk Management group including auditing lenders who

submit loans through PMI's delegated underwriting channel and due

diligence reviews for PMI's bulk primary and pool transactions.

. Managed up to seven in-house and home-based quality control staff

members including hiring and performance management.

. Extensive knowledge of PMI, FNMA, FHLMC, and other investor

guidelines.

. Prepare and present reports to senior management including individual

audits and quarterly executive summary reports of all audit

activities.

. Make recommendations as needed for remedial action to senior

management.

. Provide guidance during new program/product development process to

reduce risk exposure.

. Coordinate with operations and sales in identifying adverse risk

trends for their lenders.

. Managed the underwriting review of defaulted loans.

. Assisted in development and implementation of an automated audit

system.

. Perform on-site audits of PMI's field offices.

. Attended industry conferences including MBA Quality Assurance

Conference.

. Traveled 20-50% domestically throughout tenure.

Employment History prior to PMI

Held various positions in the mortgage industry including underwriting,

operations, and sales.

Affiliations

2005-2008

Mortgage Insurance Industry (MICA) representative to the Appraisal

Foundation Advisory Council (TAFAC). Appointed as Chair of the Emerging

Issues Committee in January, 2007.

11/06 - present

Currently serving on the Board of Directors for my local Home Owners

Association.

2012 - Volunteer for local youth golf events

Education

Bachelor of Fine Arts - Wittenberg University

Completed various MBA courses including Basics of Mortgage Backed

Securities, Quality Assurance

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