FROILANNIE S BADE

**** ******* **, ********,** 95035

Email: acs88o@r.postjobfree.com

Phone: 408-***-****

OBJECTIVE:

TO OBTAIN A POSITION IN A PROGRESS ORIENTED FIRM WHERE MY EXPERIENCES IN ADMINISTRATIVE SKILLS CAN BE UTILIZED AND EXPANDED IN THE FIELD OF PRODUCTION.

Strong investigative and quality control skills; the ability to work independently, the willingness to work cases across the various lines of business and is adaptable to change. Extensive banking and compliance knowledge, the ability to exercise sound judgment and to observe the highest degree of confidentiality in the handling of information received in the course of responsibilities.

EXPERIENCE:

CMG Financial

Investor Purchasing Analyst {October 2014-March 2015}

•Run internal CMG report- Investor shipping reports to monitor all outstanding loan pending Investor purchase.

•Monitor Investor websites daily for their specific statuses and outstanding conditions that CMG have yet to meet or fulfill for purchase.

•Responsible for contacting either internal or external customers or both to obtain necessary documentations by Investors prior to purchasing loans.

•Uploads or send via e-mail completed conditions to investor for their review and to sign-off/approval for purchasing loans from CMG.

•Communicates properly to Investors, including making follow-up calls or e-mails to ensure that the conditions submitted are acceptable to get loan purchased.

•Responsible for reporting to upper managements all loans that have been purchased along with their purchases advises if applicable.

•Responsible for responding to post purchase QC missing items and deficiencies in a timely manner.

•Responsible for researching and investigating facts necessary to prevent re-purchases, which includes collecting necessary data and gathering information that would be helpful for rebuttal performed by Legal department.

QC Fraud Examiner {April 2013-October 2014}

•Examines residential documentation for accuracy, completeness, and compliance with appropriate company and secondary market investor standards. Examines documents for red flag Fraud Detection.

•Performed comprehensive audits confirming adherence to policy and underwriting guidelines, legal standards, and lending practices using multiple business systems.

•Conduct full Fraud investigations. Work under minimal supervision, maintaining confidential information in providing a professional work product to the Financial Crimes Enforcement Network {FINCEN}.

•Conducted research via internet, database searches, public and non-public records and other research tools gathering evidentiary information to develop material and misrepresentation.

•Interviewed borrowers and other key parties involved with the origination of insured loans to ascertain who committed the misrepresentation.

Quality Control/Compliance Analyst and Auditor Team Lead {April 2012-April 2013}

•Evaluates credit decisions for accuracy based upon established risk parameters and in accordance with policy, program, and product guidelines.

•Provides feedback to Underwriters and loan processors as appropriate. Responsibilities include examination of several different types of lending {conventional, government-backed, home equity, etc.}

•Daily interface with CMG Managers for Underwriting, Retail, Production and Wholesale Production, for pipeline management and QC audit turnaround times.

•Reporting and metrics applying the ACES QC audit automation system, identifying QC/Fraud trends, performance metric evaluation, and score carding.

•Manage of CMG specified turnaround timelines for purchase money loan files {24 hours}and refinance loan files {24-48 hours}.

•Develop and Management of a Quality Control/Loan Fraud Audit Team housed within CMG’s Compliance Department in San Ramon, CA and Phoenix, AZ locations.

•Responds to company, individual, and investor audits. Assist with fraud detection and prevention. May recommend modifications to underwriting, loan processing, servicing.

•Review potential fraudulent accounts for the prevention and detection of possible mortgage.

•Conducts full Fraud Investigations. Work under minimal supervision, maintaining confidential information in providing a professional work product to the Financial Crimes Enforcement Network {FINCEN}.

•Provides training and direction to my team of Sr. Compliance Analysts and Compliance Assistants.

•Experiences with multiple channels/variety of loan products/types.

•Performs work on special projects/targeted audits as directed by Manager.

•Strong time management skills.

•Process and manage HMDA reporting for appropriate agencies.

•Knowledgeable in Fannie Mae and Freddie Mac lending guidelines.

Reunion Mortgage, Inc.

Pre-Funding Quality Control Manager {May 2006-February 2012}

•Manage Pre-funding QC which includes reviewing and assessing credit files and collateral documentation.

•Manage and train team of QC auditors.

•Re-underwrite files.

•Prepare and review audit findings adhering to compliance regulations and guidelines.

Findings are distributed to executive management

for process or policy improvement.

•Pre-form pre-funding quality audits on all loans files. Ensure each file is in compliance with company guidelines.

•Re-verify required file information, including but not limited to, borrower, assets, appraisal, employment and credit information.

•Maintain QC findings in Reunion LOS for tracking and reporting needs.

•Process and manage HMDA reporting for appropriate agencies.

Legal-Quality Assurance/Quality Control Lead {May 2004-May 2006}

•Perform complete file audit on closed loan in accordance with QC guidelines, GSE requirements and all regulatory requirements including HMDA,RESPA,HOEPA, and state predatory lending laws.

•Re-verify required information including employment, income, assets, down payment, occupancy, insurance, etc.

•Train and lead quality control auditors.

•Maintain Pre-funding QC and Quality Assurance guidelines.

•Prepare and review audit findings adhering to compliance regulations and guidelines.

•Prepare Quality Assurance reports including QC scores. Maintain reports and branch responses for investor periodic review.

•Ensure data integrity on active loans by comparing system data against loan documents and program requirements.

EDUCATION

St. Paul College-Bachelor Degree

Bachelor of Science Hotel and Restaurant Management, Major in Accounting. {Graduate}

Certifications

Certified Fraud Investigator

Certified Quality Assurance

Certified Mortgage Banker-CMBA {in progress}

Certified Fraud Examiner {in progress}

REFERENCES AVAILABLE UPON REQUEST

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