Customer Service Loan

Renard D. Carpenter

** ***** **** **********, ******* 35442

Cell Phone 205-***-**** E-mail ****************@***.***

COMPLIANCE ANALYST/CONTRACT CONSULTANT

QUALIFICATIONS PROFILE

Diplomatic and interpersonally-skilled Contract Consultant/Forensic Underwriter/Compliance Analyst and Bachelor of

Business Administration in Finance with 20 years of mortgage banking industry experience and expertise with managing

OCC Consent Order, foreclosure, due diligence, and compliance review processes. Knowledgeable professional and

subject matter expert respected for collaborating with mortgage underwriting teams, evaluating complex underwriting

issues, and assuring APR validation and SCRA compliance.

CORE COMPETENCIES & CERTIFICATIONS

Forensic Underwriting, Conventional, Non-Conforming, & A-Paper Loans

Forensic Look Back Reviews, Mortgage Loan Underwriting/Servicing, Regulatory Compliance

Desktop Underwriting, Loan Prospector System, Casetracker, Mortgage Flex, Lepurdd, AS400

Truth & Lending, RESPA, ECOA, SAFEAct, Fair Housing, FI, Fair Credit Reporting, HMDA

LPS, NLPS, LP, DU, TMO, CARTS, Phase III, Lotus, AS400, LAN, Fidelity ALS

MS Excel, Microsoft Word, MS Access, DocList, Unify, SalesForce

ACAMS Certification, pending completion April 2015

FDIC Security Clearance

PROFESSIONAL EXPERIENCE

CARPENTER ENTERPRISES, Eden Prairie, Minnesota, 1998 - 2010, 2012 - Present

Business Compliance Analyst, FIS Global

Partnering with Risk & Compliance Department, strategizing, developing, and submitting compliance

analysis reports to government officials, and providing department project and operational support.

Serving as quality control auditor, pre-auditing home mortgage files, identifying/correcting file

discrepancies, and reducing error ratio from 20% to 5%.

Compliance Analyst II

Reviewed final sales contracts, HUD I, and Good Faith Estimate documents, and assured documentation

accuracy and integrity and Residential Real Settlement Procedures Act Compliance RESPA compliance.

Utilized mortgage APR checklist, monitored settlement fees, and averted unfair customer settlement costs.

Forensic Foreclosure Analyst, Quality Assurance Team, Promontory Financial Group

Reviewed defaulted mortgage files in various foreclosure and modification phases, recalculated fees, late

penalties, escrows, and past due interest capitalized into foreclosure bid, modification, and or reinstatement

amounts, responded to client fee, foreclosure, modification, and bankruptcy inquiries, and assured

compliance with OCC consent orders, Hudson Cook, and SCRA regulatory guidelines.

Identified/assessed homeowner charges, reviewed fees/penalties, late charges, property preservation,

inspection, and valuation documentation, and verified alignment with state, investor, and bank policy.

Assessed homeowner financial harm as a result of fee and charge misapplications, and determined/executed

corrective action plans.

Contract Consultant

Consulted with borrowers to review HUD-1 settlements and updated appraisal, payoff, title, flood, and

insurance documentation for Norwest Mortgage.

Analyzed/determined loan status and recommended loan purchase or suspension.

Evaluated/delegated conventional credit packages, verified accuracy, and assured documentation

compliance with Federal, State, and closing and underwriting guidelines.

Reviewed closed-secondary-market conventional loans, verified accuracy, and assured conformity with

FNMA/FHLMC guidelines.

Underwrote conventional, non-conforming, A-paper products and closed loan packages, and assured

compliance with Wells Fargo, Sovereign Banks, Capital Group, Summit Bank, and Mercantile Bank

guidelines and regulatory requirements.

Renard D. Carpenter Page Two

PROFESSIONAL EXPERIENCE

CARPENTER ENTERPRISES, Eden Prairie, Minnesota, 1998 - 2010, 2012 - Present

Contract Consultant (Continued)

Initiated account contacts, established strategic mortgage company and bank relationships, and

secured/executed numerous loan review, underwriting, and auditing projects for nationwide mortgage

clients.

Reviewed payment histories, determined correct application and payment funds, APR validation,

Evaluated closed loan files and assured compliance with state and federal laws and regulations and ALS

guidelines for Hunter Mortgage.

Assisted underwriters with assuring compliance with PTC conditions, interacted with brokers to resolve

compliance issues, evaluated/documented compliance, and established C20 status for Wells Fargo account.

Utilized Mortgage Flex Software to conduct legal documentation reviews and maintain legal document

inventories for GMAC/RFC.

Audited and reviewed mortgages, policies, and deeds of trust, assured compliance, and prepared loans for

investor purchases.

Consulted with brokers/lenders, strategized loan options to meet borrower needs, and utilized Loan

Prospector and Desktop Underwriting to conduct loan and integrity analysis for Bank of America and TCF.

Created/modified LP and DU file documentation, and updated Access database, LPS, NLPS Systems, and

Word documentation files.

Processed and prioritized collateral documentation for Chase Manhattan Bank.

Calculated/balanced escrow payments, monthly buy downs, and deposits.

Utilized AS400 System to approve, suspend or recommend loan denials.

Underwrote new loans, file submissions, and implemented fraud protection processes for Broker Funding

Solutions.

AMERICAN EXPRESS FINANCIAL ADVISORS, Minneapolis, Minnesota, 1997 - 1998

Accounting Specialist

Diplomatically interacted with multiple departments and identified/resolved accounting discrepancies.

Analyzed documentation processes, provided management feedback, and improved reporting efficiency.

Researched, monitored, and corrected invoice duplications.

Reconciled bank statements, full-disclosure, SCI, and clearing reports.

Collected Accounting Department documentation, and assured general ledger accuracy.

Expedited monthly bank reconcilments for mutual fund, company disbursement, and cash accounts.

Mutual Funds Service Associate

Responded to department requests via internal Stars Case Computer System.

Processed client exchanges and redemptions, and facilitated market fund transfers via bank authorizations,

automatic deductions/deposits, and wire transfers.

RDC TAX SERVICE, Aliceville, Alabama, 1988 - 1997

Income Tax Specialist

Interfaced with diverse client community to prepare personal and small business tax returns.

Secured financial information and develop tax strategies and projections.

Achieved/sustained superior customer service and satisfaction levels.

Monitored economic and financial trends and collaborated with clients and designed/implemented

short/long term financial plans.

CONTRACT FULFILLMENT HIGHLIGHTS

THE STONEHILL GROUP, Atlanta, Georgia, 2002

Junior Underwriter, Broker Funding Solutions, Aurora, Colorado, 10/02 - 12 - 02

Utilized TMO software system, entered underwriter decisions, and communicated/corresponded with

brokers to resolve underwriting issues.

HUNTER MORTGAGE, Littleton, Colorado, 2002

Loan Purchaser, Aurora Loan Services, Aurora, Colorado, 04 - 02 - 08/02

Reviewed close loan files and assured compliance with state, federal laws, and ALS guidelines.

Analyzed/determined loan status and recommended loan purchase or suspension.

Renard D. Carpenter Page Three

CONTRACT FULFILLMENT HIGHLIGHTS

CONTEMPORARY SERVICES, Schaumburg, Illinois, 2001 - 2002

Underwriter Assistant, Wells Fargo, Springfield, Illinois, 11/01 - 03/02

Assisted underwriters with assuring compliance with PTC conditions.

Interacted with brokers to resolve compliance issues, evaluated/documented compliance, and established

C20 status.

GE MORTGAGE, Raleigh, North Carolina, 2001

Final Docs Auditor, GMAC/RFC, Bloomington, Minnesota, 08/01 - 11/01

Utilized Mortgage Flex Software to conduct legal documentation reviews and maintain legal document

inventories.

Audited/reviewed mortgages, policies, and deeds of trust, prepared loans, and assured compliance.

RPI, New York, New York, 2001

Due Diligence Underwriter, Sovereign Bank, Redding, Pennsylvania, 05/01

Due Diligence Underwriter, Wells Fargo, Minneapolis, Minnesota, 04/01

Conducted partial underwriting on conventional, non-conforming A-paper products, closed loan packages,

and assured compliance of current production loans per client guidelines.

Maintained documentation and computer files.

RMIC, Bloomington, Minnesota, 2001

Junior Underwriter, Bank of America, Bloomington, Minnesota, 06/01 - 08/01

Junior Underwriter, TCF, Minneapolis, Minnesota, 03/01 - 4/01

Consulted with brokers/lenders and strategized loan options to meet borrower needs.

Conducted loan and integrity analysis for Loan Prospector and Desktop Underwriting.

Relayed loan decisions to brokers/lenders and updated loan data.

CONTEMPORARY SERVICES, Schaumburg, Illinois, 2001

Junior Underwriter, Wells Fargo, Bloomington, Minnesota, 1/01 - 3/01

Assured compliance with PTC conditions.

Updated Access database, LPS, and NLPS Systems, and Word doc files.

Created/modified LP and DU file documentation.

Provided support and assistance to underwriting team.

CAPITAL GROUP, Greensboro, North Carolina, 2000

Due Diligence Underwriter, G.E. Capital Mortgage, Cherry Hill, New Jersey, 10/2000

Conducted partial underwriting on conventional, non-conforming A-paper products, closed loan packages,

and assured compliance of current production loans per client guidelines.

Maintained documentation and computer files.

HMDA Review, Wells Fargo, Minneapolis, Minnesota, 9/2000 - 10/2000

Reviewed loan files and insured compliance with federal regulatory guidelines.

HANOVER CAPITAL, Edison, New Jersey, 2000

Due Diligence Underwriter, Summit Bank, Mays Landing, New Jersey, 8/2000 - 9/2000

Due Diligence Underwriter, Mercantile Bank, Nevada, Missouri, 2/2000 - 3/2000

Conducted partial underwrites on conventional, non-conforming A-paper products and closed loan

packages per client guidelines.

EDUCATION

FREED HARDEMAN UNIVERSITY, Henderson, Tennessee

Bachelor of Business Administration Degree, Major: Finance Minor: Accounting

PROFESSIONAL DEVELOPMENT

Mortgage Loan Underwriting, Understand Real Estate Appraisal

Underwriting The Self-Employed Borrower, Introduction to Mortgage Banking

Regulatory Compliance

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