Mortgage Processor, Jr. Processor, Loan Processor, Processor

Kellie Mun

Los Angeles, CA Cell: 818-***-**** Email: ******.***@*****.***

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Los Angeles, CA Cell: 818-***-**** Email: ******.***@*****.*** Objective

Accomplished Mortgage Professional looking to join a high functioning, fast paced team in Servicing or Originations with room for growth and expansion. Able to offer 10+ years of mortgage experience combined with technical and analytical qualifications in auditing. Has broad knowledge and background in post closing risk management, Deed-in-Lieu, Short Sale and Foreclosure servicing. Also has a strong background in residential mortgage loans in accordance with internal and FNMA/FHLMC guidelines to ensure company compliance to investor standards.

Skills

Knowledge of Automated Underwriting Systems: DU, LP, and CLOUT. Strong analytic, interpersonal, verbal and written communication skills, and able to work well independently or in teams. Knowledge of Ad Hoc Query. Career Achievements

As a Subject Matter Expertise (SME), provided expertise in internal and external auditing for Risk operations as part of a company-wide effort to ensure compliance to all lending guidelines and best practices. Achieved Bank of America Global Offer title ranking. Recipient of 14 Global Recognition Award and 14 Outstanding Associate Award. Professional Experience

Bank of America – Westlake Village, CA

Officer, Loan Review Analyst I (Conventional Claim Filing/MSR) 6/2015 – Present

• Analyzed and verified eligible REO, Short Sale, Deed-in-Lieu and foreclosure servicing operational costs eligible for reimbursement from FHLMC/FNMA on reconciled expenses submitted for reimbursement in adherence to Line of Business’s analyzed guidelines.

• Performed external research with specific Line of Business affiliates to locate required missing invoices, documentation or vital information necessary for complete claim filing.

• Performed routine audits on repurchase claims made by FNMA/FHLMC by effectively reviewing/re-underwriting loans for accuracy, completeness, and compliance in order to minimize risk.

• Wrote detailed synopsis that identified loan attributes as well as loan deficiencies to identify and escalate potential areas of risk or process gaps and reported irregularities with corrective action plan for problematic loan situations to senior management.

• Evaluated the impact of all control deficiencies in the loan review process and reported irregularities with corrective action plan for problematic loan situations to senior management.

• Fulfilled MICO and Successor Servicer requests for origination, modification, Short Sale, Deed-in-Lieu, and other servicing documents and servicing notes.

• Developed effective written and oral skills to communicate with both internal and external clients and vendors in order to obtain required document and information. Officer, Loan Review Analyst I (QA Specialist) 4/2014 – 5/2015

• Performed re-underwrites of FHA, Conventional & VA conforming refinance and purchase mortgage loans to ensure adherence to guidelines.

• Clarified accuracy of conditioning, documentation completeness, program & guideline adherence, and accuracy of income and asset calculations.

• Assessed applicants risk profile using the 4 C’s model to follow up on all findings, made corrections and took actionable measures to prevent post-closing deficiencies to guarantee stability of the loan.

• Evaluated underwriter ratios to ensure calculations were accurate according to Bank of America guidelines.

• Analyzed Fund analysis vs. verified information listed on the loan.

• Identified various misleading of potential misrepresentation of loans or red flags prior to underwriter’s issuance of loan commitment.

• Diligently provided a detailed analysis of all Appraisal reviews and Title Policies.

• Reviewed and prepared loans to be serviced as well as sold to secondary market. Page - 2 - of 3

Los Angeles, CA Cell: 818-***-**** Email: ******.***@*****.*** Officer, Loan Review Analyst I (CMS Forensic Unit) 2/2012 – 3/2014

• Performed as a last line of defense for deficiency document requests that was deemed incurable by conducting extensive reach above and beyond required business scope.

• Investigated, researched, verified and gather detailed information on business partners, vendors, brokers, appraisers and others involved in the mortgage origination process to obtain data and documents deemed lost or difficult in order to prevent repurchase loans and mortgage claim denials.

• Utilized effective communication skills with emphasizes on importance and urgency to internal and external business partners and resources.

• Provided informative, positive mentorship with reassuring feedback to improve quality and accuracy to newly trained Forensic Team Analysts.

• Consistently met or surpassed all established quotas throughout tenure by leveraging impeccable organizational skills to effectively manage daily pipeline.

QA Auditor I (Document Deficiency) 8/2011 – 1/2012

• Reviewed and cured Document Deficiency requests submitted by mortgage insurance companies and FHLMC/FNMA by retrieving missing documents from internal and external sources.

• Provided mentorship to Deficiency Specialists (Auditors) with industry know-how and experience acquired knowledge.

• Participated in special audit activities and special projects as delegated by senior management. Projects included such activities as assigning and reassigning audit activities and supervising team activities toward daily production and roles. Analyzed and assessed implications to potential industry changes and escalated detailed written summation to senior management.

• Developed further knowledge on Bank of America and Countrywide mortgage products with special focus on historical underwriting guidelines.

• Monitored team production, performance, and development in order to provide feedback to ensure accuracy and best practices to senior management.

QA Auditor I (Private Investors) 5/2010 - 7/2011

• Performed as Subject Matter Expertise (SME) and provided expertise on internal and external auditing for Risk Operations to ensure bank tolerance and compliance regulations.

• As SME, participated in User Acceptance Test (UAT) with internal Information Technology to develop two new platform systems used department-wide: CLAIMS and DOCS.

• As SME, performed as Project Leader to developed Setup and Document Deficiency procedures to be utilized and distributed department-wide within Private Investors group.

• Evaluated and cured Investor Document Deficiency requests for such document as assets, income, insurance, LOE, etc.

• Provided underwriting and forensic assistance for claims against Private Investor repurchases directly to senior management.

• Developed extensive knowledge with LOB platforms as Microsoft Excel, Word, Access and Ad Hoc Queries.

• Developed analytical skills and product/technical expertise by participating in team audit activities which included completion of scoping tools, process mapping, risk assessments and tollgates. Countrywide Home Loans – Westlake Village, CA

Quality Monitoring Rep (Credit Quality Control) 3/2008 - 4/2010

• Assisted with performing loan audits on conventional and government loans for possible mortgage fraud and accuracy by assisting with comprehensive audits of financial records, operating procedures, and internal controls related to accounting for mortgage securities, loans, commitments, amortization debt, derivatives, and liquid investment portfolios.

• Extensively reviewed collateral documents such as credit reports, LPS, DU, appraisals, loan applications, escrow instructions, title policies, HUD-1, tax returns, transcripts and purchase contracts and other mortgage documents as part of auditing process.

• Reviewed, sorted and escalated recently verified loan documents for possible fraud.

• Trained, mentored, and audited loans completed by new associates for accuracy as part of internal quality assurance.

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Los Angeles, CA Cell: 818-***-**** Email: ******.***@*****.*** Education

Associate of Arts in General Studies- Columbia Southern University, Orange Beach, AL Bachelor of Arts in Business Management – In progress

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