Quality Control Customer Service

acy9ps@r.postjobfree.com *** NW ***th St, OKC. OK ***** 405-***-****

Heathe Champagne

I am looking to challenge myself and grow within an organization. I am a very analytical and have 12+ years of experience in the mortgage/quality control industry. Experience

Caliber Home Loans

13801 Wireless Way, Oklahoma City, OK 73134

Collateral Exception Specialist Oct 2016 – Current My responsibilities included:

• Obtaining Assignments of Mortgage, Affidavit of Erroneous Assignments, or getting Corrective Assignments Notarized.

• Communicating with various Counties and other Entities to verify parcel, book, instrument numbers, address and additional recording information.

• E-recording.

• Perform documentation control activities; such as verification of documents, form completion, identification of document needs, troubleshooting workflows and report generation. Adfitech

3001 Technology Drive, Edmond, OK 73013

Servicing Auditor / Mentor April 2014 – September 2016 Auditing Servicing Files to ensure that the Servicer or Sub-Servicer meets all State, Federal, and Investor Guidelines. My responsibilities included:

• Preparing findings and client feedback.

• Training of new team members.

• Updates of training and review materials.

• Re-calculating Income, Assets, Debts and Liabilities as well as re- casting waterfall calculations for modifications and short sales.

• Reviewing timeframes for adherence within loss mitigation, bankruptcy, and foreclosure.

• Reviewing attorney chronologies and borrower submitted documentation for compliance.

• Reviewing property inspections, BPOs, and default appraisals.

• Reviewing hierarchy followed in Loss Mitigation as required per investor.

• Reviewing escrow accounting

• Reviewing Newly Boarded or Transferred Loans for timeliness and data integrity.

• Payment Processing

• Reviewing Year-End disclosures

• Borrower Contact and correspondence

Adfitech

3001 Technology Drive, Edmond, OK 73013

Collateral Analyst April 2012 – April 2014

Auditing Appraisals on Investor held loans to ensure market value and quality of comparables for the period it was utilized for loan approval. This

Included:

• Fraud review of an appraisal.

• Public Records searches for the subject property and comparables, to check values, sales, and dates.

• Use of calculations and equations to determine if the increases in the value are within tolerance.

• Determining if the adjustments made to the comparables were valid and accurate.

• Checking for discrepancies between value and appraisers’ commentary.

• Utilizing review appraisals or other services if other discrepancies were found.

• Writing commentary addressing all deficiencies and results of public record research for clients. Adfitech

3001 Technology Drive, Edmond, OK 73013

Post Closing Fulfillment Auditor February 2011 – April 2012 (1 year 3 months) and May 2007 – January 2010

• An in-depth audit of closed loan documents to identify issues before delivery of insuring, servicing and investor packages. My responsibilities included:

• Due to the facet of the industry we are in, I have worked with a variety of vendors and clients.

• Part of my job was to ensure that all of the collateral, Servicing, and HUD documents are present and correct.

• It was within my job function to “chase”/obtain the missing or corrected documents from the credit and close packages received from MetLife.

Adfitech

3001 Technology Drive, Edmond, OK 73013

Forensic Underwriter January 2010 – February 2011 (1 year 2 months) As an underwriter with Adfitech, I completed the post funding review of individual loan files purchased by investors. My responsibilities included:

• Accessing specific commitment guidelines and verifying the subject loan file met the requirements set forth under master commitments as underwritten for approval and delivery to the investor.

• Re-verification of employment, asset and collateral documentation to ensure quality control and accuracy at the time of initial funding.

• Implementing the resources of review appraisers and private investigation services as required.

• Final determination of the loans eligibility for purchase by the investor under the delivered master commitment and lender specific underwriting guidelines.

• Issuing a final report to the client for the purposes of obtaining repurchase or loan rejection as Specified by the client’s needs.

Adfitech

3001 Technology Drive, Edmond, OK 73013

Post Closing Fulfillment Auditor May 2007 – January 2010

• An in-depth audit of closed loan documents to identify issues before delivery of insuring, servicing and investor packages. My responsibilities included:

• Due to the facet of the industry we are in, I have worked with a variety of vendors and clients.

• Part of my job was to ensure that all of the collateral, Servicing, and HUD documents are present and correct.

• It was within my job function to “chase”/obtain the missing or corrected documents from the credit and close packages received from MetLife.

Midfirst Bank 7100 W. Hefner Rd, Oklahoma City, OK 73162 Disclosing, Cancelations, Funding Team Lead April 2004 – April 2007 (3 years 1 month) The main role of the disclosing department was to send out the original disclosures when a home loan was originated and then again anytime the rate or other factors changed, to meet the regulations.

• We worked in conjunction with other departments to ensure that deadlines were met and all regulatory requirements were followed.

• These functions required knowledge of the rules and guidelines set forth by the Bank and government entities, as well as rate changes and other factors. It was a necessity to have an eye for detail and to be able to spot mistakes in large quantities of paperwork.

• As lead I addressed any team issues and trained new employees, as well as enforced company policies and mandates.

• The last year with Midfirst my department combined with cancellations and funding. The entire team was trained and required to assist in any of those functions when needed Skills

Microsoft Office, Typing, Basic Computer Skills, Customer Service, Analytical Problem Solving, Quality Control, Appraisal Desk Reviews, Mortgage and Loan Documentation, Locks and Relocks for Interest Rates.

References:

Helen Lowe-Palmer – 405-***-**** – Previous Supervisor Kathy Huff – 405-***-**** – Previous Supervisor

Debbie Maple - 405-***-**** - CFO of Adfitech

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