Quality Control Information Technology

FORENSICS INVESTIGATIONS & MORTGAGE BUSINESS ANALYST

FINANCIAL SERVICES – MORTGAGE BANKING & OPERATIONS – BUSINESS ANALYSIS – REGULATORY COMPLIANCE

Mortgage banking and operations professional with over 15 years in Mortgage Banking & Operations, Retail & Wholesale Loan portfolios, Compliance Risk & Monitoring and Investigations, Credit & Fraud Analysis, Internal Audit Risk Review, Foreclosure Risk Reviews and Quality Control Audits. Extensive working knowledge in analysis of RESPA, AML & BSA, USA Patriot Act, CIP Compliance, writing reports, Implementation of AML/BSA and OFAC laws and regulations and conversant with BSA/AML business processes, KYC (Know Your Customer), AML Look Up, AML Typologies Ability to work in multiple work streams within team environments and render executive decisions to assigned projects, familiar with Business Analysis procedures such as capturing of requirements and interpretation. Act as a tenacious, results-driven and dynamic professional facilitator between Business Systems and Information Technology and play an integral role in Scope definition and understanding of the Business Processes by identifying risks, baseline acceptance criteria and deliverables of the project as well as manage, synchronize and co-ordinate all these user interactions across all business channels.

CORE COMPETENCIES

Business Analysis – Requirements Gathering & Business Processes – Regulatory Compliance – Risk Management

Mortgage Operations – Underwriting – Quality Control Audits – Mortgage Claims/Rebuttals

Education

● Masters of Business Administration (MBA) - Business Finance & Integrated Studies

University of Central Oklahoma (2000-2002)

● Bachelor of Science in International Business Administration (IBA) - Finance & Marketing United States International University (USIU-A) (1993-1997)

● Business Analysis – Client requirement gathering & interpretation, IQT Solutions - FRD, BRD, JAD (2015)

● Certified Financial Services Auditor (CFSA) –Financial Products/Services Audit

Institute of Internal Auditors IIA (2015-2016)

Skills & Technical Aptitude

● MS Excel, Word, Power Point, Access, Visio, Publisher, Outlook, CRM, SharePoint, Sales force, LOS, Research Databases, Waterfall, Mortgage Desktop, Equator, Fair Lending Wiz, Unifi, People Soft, Ceridian, Citrix, Stewart, FISERV, MS SQL Server,, CRM, DeskTop Underwriter, Freddie Mac Loan Prospector, LexisNexis

PROFESSIONAL EXPERIENCE

Senior Forensic & Investigation Mortgage Analyst Deloitte, Dallas, TX 7/2015 – 6/2016

● Perform extensive Quality Control reviews on rebuttal letters written by other forensic analysts and peers

● Perform comprehensive forensic analysis of residential mortgage loans files to determine the mortgage loan’s compliance with underwriting guidelines and summarize results in a concise manner.

● Read incoming correspondence to ascertain nature of investor concerns and determined pragmatic solutions in a timely fashion and be able to participate in rebuttal meetings and responded to Mortgage Claims by writing rebuttal write-ups addressing the alleged misrepresentations cited by the investor

● Worked in loan document specifications, data tape guidelines and technical manuals to be used for loan analysis

● Assigned SME for major Mortgage Lending practices, origination, servicing, underwriting, processing, funding and post-closing audit processes, familiarity with mortgage related regulatory and compliance practices, knowledgeable in underwriting that helped in reviewing mortgage origination documentations such as appraisals, purchase agreements, income documentations, Verification of Employment, Deposits, etcetera

● Interacted with client users in implementing the Verification, Claim Review Analysis and Final response review of sample loans and provided new and innovative alternative solutions to system challenges

Senior Forensic & Mortgage Analyst - RESPA, HMDA, AML/BSA USAA San Antonio, TX 9/2014 – 7/2015

● Specialized in Conventional and ALT-A mortgage loans focusing on difficult/complex loans, ensuring that the compliance of company and investor guidelines was met.

● Acted as the SME with other business analysts in reviewing RESPA data and designed business flow chart for the team and formulated and defined systems scopes and objectives based on both user needs and a good understanding of information technology, business processes, and industry requirements.

● Made structural recommendations and reviewed documentation for accuracy and completeness and was able to handle high volume and communicate well with brokers in a timely manner.

● Reviewed large volumes of Mortgage and Home Equity closed applications that have been randomly selected for internal audit to insure identified loans are within RESPA Act guidelines.

● Analyzed RESPA and HMDA documentation namely; Good Faith Estimates, HUD-1 Settlements, Title Commitment, and additional system of record Real Estate documents Reviewed Good faith Estimates (GFE) to reconcile GFEs present initially at time of origination against those loan was funded against and confirming fees were accurately disbursed. Worked Extensively on Sales Force to determine HMDA information provided at funded in comparison to HMDA information provided in the initial documentation and confirming any corrections made were accurate

Senior Mortgage Underwriter - Sutherland Mortgage Houston, TX 5/2013– 12/2013

● Underwrite at least 8 new underwrites through reviewing borrowers credit extensively against credit score matrices set by lenders policies to determine borrowers propensity to afford mortgages offered

● Perform credit and property analysis on conventional loan files submitted within the time frame established by departmental management.

● Analyzed borrowers' profile in regards to their employment, credit strength, Property characteristics and all other information pertinent to the credit decision process on each mortgage application and proficient in analyzing personal and business tax returns, legal documentation, appraisals, title reports, and analyzing credit

● Reviewed Good faith Estimates (GFE) and HMDA information to make sure it was in compliance with federal regulations and monitoring

● Served as an intermediary for loan issues with Loan Originators and other related departments and assisted in training new hires and acted as the SME and took an active role as an escalation point within the team based on experience and knowledge.

Senior Foreclosure, Audit & Risk Review Manager Solomon Edwards Group Dallas, TX 11/2011 – 2/2013

● Managed a team of through coaching, mentoring and motivating them to assist in carrying out business audit on largest banks in America that contributed to the Mortgage Foreclosure crash from January 2008 to current through the Consent Order of the USA Treasury (OCC).

● Organized, analyzed and randomly selected portfolios to examine for faulty business processes that may have increased to more than $100 million foreclosure losses during the scope period of 2008 to 2010.

● Defined project scope goals and deliverables that support OCC Business goals and provide quality control of the project throughout the term of the project

● Consulted with functional unit management and personnel to identify, define and document business needs and objectives, current operational procedures, problems, input and output requirements, and levels of systems access. Acted as a liaison between departmental end-users, technical analysts, information technology analysts, consultants and other project management personnel.

Senior Compliance Analyst Core Logic West Lake, TX 7/2011 – 11/2011

● Analyzed borrower's income, liquid and collateral assets and other financial documentations to determine borrower's eligibility to make a loan

● Front line underwrite of at least 8 new underwrites and review conditions on a daily basis on a set matrix without compromising the quality of the loans

● Performed quality control reviews ensuring regulatory compliance standards in relation to RESPA, TILA, Dodd- Frank Act, fair lending, FDPA, SCRA and reviewed final offers to determine final qualification and qualifying tiers for different borrowers without profiling or discriminating borrowers

● Reviewed individual mortgage origination documentation and performed database research to obtain information needed to analyze the claim

Senior Repurchase Analyst - Recovco Mortgage Management Irving, TX 3/2011 – 6/2011

● Read incoming correspondence to ascertain nature of borrowers concerns and determined pragmatic solutions in a timely fashion

● Composed letters in response to correspondence concerning servicing issues, mortgage claims, credit information requests, delinquent accounts, credit billing, and unsatisfactory customer service

● Responded to Repurchase Claims from Mortgage Investors and Mortgage Insurance Companies by writing detail oriented synopsis that identified loan attributes and deficiencies addressing the alleged misrepresentations cited by the investor or Mortgage Insurance Company.

Senior Modifications Risk & Compliance Analyst Chase Lewisville, TX 7/2010 – 12/2010

● Reviewed modification documents against servicing systems and made corrections/entries as necessary to conform to policies and procedures of the business process, carried out extensive searches within the business process channel through reviewing Mortgage Notes, Deeds, Titles, Settlement HUD1, Transaction Histories et

Senior Mortgage Fraud Risk Analyst Fannie Mae Dallas, TX 2/2010– 3/2010

● Reviewed mortgage referral tips received from law enforcement orders, consumers, lenders, investors and other vendors on possible fraud practices, ran queries on appraisers, brokers, loan officers and borrower portfolios, formulated spreadsheets to record various fraud types, sources, re-occurring episodes, risk levels

Senior Loan Audit Risk Reviewer (ARR) Jefferson Wells /Experis Dallas, TX 5/2009– 1/2010

● Worked with the Troubled Asset Relief Program – reviewed a portfolio of consumer loans, namely; Auto Loans, Credit Card Loans, Retail Installment loans to re-verify the loss portion that was calculated by the Client and provided to the Government was within TARP guidelines

● Interfaced with operations senior management to discuss key risk trends, understand changes in the business and make applicable recommendations as to corrective actions to fix control breaks

● Recommended appropriate interventions, creative and pragmatic solutions that would solve complex business problems identified during the audit thus reducing future business costs

Senior Forensic Underwriter Beal Bank Plano, TX 5/2008 – 5/2009

● Reviewed initial loan origination documentations namely; purchase agreements, amendments, appraisals, seller underwriting and delivery guidelines, master commitment agreements.

● Re-validated information provided in all critical documents namely; Verification of Employment, Verification of Deposits, Verification of rents or rental history evidenced with Notarized Lease Agreements through reviewing closed loans on a daily basis and checked for eligibility with respect to Fannie Mae’s Selling Guide, DU Guide, and/or negotiated terms as defined by contracts with Fannie Mae’s lender partners

● SQL Server,, CRM, DeskTop Underwriter, Freddie Mac Loan Prospector, LexisNexis

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