Quality Control Manager
Resume:
Lourdes Lopez
Garfield, NJ 07026
*********@*****.***
Qualifications Summary:
Performance driven, insightful experienced financial professional with a proven ability to achieve and exceed all revenue and business development goals in a high pressure environment. Experienced in comprehensive risk mitigation solutions focusing on mortgage fraud, collateral risk and valuation, regulatory compliance, forensic loan audit services, loss mitigation, and loss forecasting. Specializing in reducing risk, increase operational efficiencies, satisfy regulator demands, manage data verification, remain compliant and mitigate loan buybacks. Possess strong interpersonal, organizational, written and verbal communication skills.
EXPERIENCE:
Home Point Financial fka Maverick Funding Corp., Parsippany, NJ
Quality Control Manager
12/2013-11/2/2015
-Provide reporting of review results and trends to Senior Management
-Manage the Pre-Funding and Post-Closing audit process to ensure the QC Process and Procedures are followed by the QC Staff
-Manage daily work flow for the staff of three QC Auditors
-Comprehensive understanding of Investor/Agency guidelines and origination documentation.
-Subject matter expert on client requirements and delivery specifications for FHA/FNMA/VA/ and USDA.
-Reverse Mortgage Exposure
-Reviewed and re-underwrote Residential Mortgage loans based on specific guidelines of the original loan program.
-Full Residential Mortgage file reviews for Fraud and Guideline adherence.
-Documented Fraud findings and additional re-verifications as needed.
Quality Control Analyst
7/2013-12/2013
Job Duties:
-Perform pre-and post-close compliance and quality control audits on residential loans for compliance with regulatory, agency and investor requirements.
-Conduct re-verification of loan file documents.
-Review process, policies and procedures to ensure compliance.
-Report findings and exceptions to management, trending analysis of errors and root causes, assist in implementing corrective actions and following through to ensure remediation.
Atlantic Home Loans, Pine Brook, NJ
QC Underwriter
8/2012-Present
Primary responsibilities is to review and audit pre-closing files to ensure compliance with FNMA, FNMC, USDA, VA and government underwriting guidelines. Also to ensure compliance with Secondary Market Lending
Requirements.
C&A Consulting LLC, NY (3 Month Contracting Project)
Analyst/Creating Demo for Residential Mortgage Project
01/2012-4/2012
-Worked on a project to rehabilitate an existing residential loan inventory management system
-Worked with a business analyst and a technology team improving process
-Worked with the existing loan loading and reporting capabilities to help define the work flow of purchasing and monitoring
Interthinx, Jersey City, NJ (Company Layoff)
Auditor/Forensics Underwriter
06-09-03/2011
• Audit Mortgage Loan Files and prepared them for delivery.
• Order, generate, and save research queries from third party providers.
• Assembled exhibit packages that supported audit findings.
• Re-underwrote files to identify fraud and variances in guidelines.
• Worked with Lender Clients to resolve inventory disputes, missing documentation, and client feedback.
• Accurately and efficiently maintained a pipeline of Loan File Audit Inventory
• Researched and Analyzed data to formulate an Audit synopsis which was utilized by the Lender Clients to achieve their repurchases or rebutals.
• Compiled Audit Findings into a Summarized report with attending exhibits
• Loan Modification File Review experience
• State and Federal guidelines knowledge
• HAMP (Home Affordable Modification Program) and NPV (Net Present Value) experience
Chase Home Finance, Woodcliff, NJ (Company Downsize)
Collateral Analyst 06-07-01-09
Manage the compilation, analysis and review of collateral.
Allocate deals for trading by researching data and processing bid-pools for investors
Assist investors/clients with deal inquiries and prepare final pools for trading.
Compile and distribute a formal communication once deals close and cash is received outlining the pool summary & distribution details.
Work closely with programmers on enhancements to our proprietary software applications.
Manage trades with investors and deal managers from beginning to end.
GE Money (fka -WMC Mortgage) Orangeburg, N.Y. (Company Closed Down)
Quality Control Auditor/Underwriter 05/05-04/07
Audited files to ensure that all loans met proper credit criteria in accordance with WMC' s Underwriting Guidelines, ensuring acceptable loan quality for our investors.
Managed research engines to ensure Quality Control and integrity of loans.
Examined borrower's ability to repay loan using sound underwriting experience, thus mitigating risk of defaulting loans.
Partnered with internal clients to assist with developing and implementing new guidelines.
Rewarded for being Top Quality Control Auditor company wide.
Loan File Review
New Century Mortgage Corp. Pearl River, N. Y. (Company Closed Down)
Account Manager 03/03-03/05
Processed and prepared various loans for closing in accordance w/policies & procedures.
Reviewed documentation and contracts thoroughly for accuracy and completeness.
Collaborated with brokers for additional documents or to answer any inquiries.
Managed daily review of the loan pipeline.
Loan file review from loan inception to closing
Argent Mortgage Co. (fka Ameriquest Mortgage) Hawthorne, N. Y. (Company Closed Down)
Senior Funding Specialist 11/01-03/03
Performed audits of files, due diligence, made sure loan documents were executed correctly.
Completed verification of insurance, title, and state specifics.
Contacted brokers, attorneys, and title companies as needed to complete files.
Loan file review prior to funding
Superior Bank FSB, Orangeburg, N.Y. (Company Closed Down)
Funder/Closer for National Operations 03/00 to 11/01
Wiring Analyst & Payoff Specialist
Reviewed files for funding making sure all necessary documents were accurate.
Audited purchases to make sure loan document were executed according to guidelines.
Interacted with various brokers and agents as necessary to complete files.
Loan File Review prior to funding
EDUCATION:
Mercy College, Dobbs Ferry, N.Y
BS-Business Administration w/Specialization in International Business - G.P.A 3.3
CERTIFICATIONS:
DE Certified
COMPUTER SKILLS:
Encompass, Excel, MS Word, PowerPoint and specialized industry programs.
LANGUAGE SKILLS:
Fluent in Spanish both written and oral communication.
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