Colette Stanfield

Experience Mortgage Professional.

Royse City, TX 75189

ad01f8@r.postjobfree.com

+1-972-***-****

** *****’ experience in underwriting and business operations. reviewing confirming and non-confirming loans, complex transactions and all types of self-employment income documentation for residential loans, commercial loans, operations risk reviews.

Experience with Encompass, Tableau

Black Knight, PACER, Loan Sphere

Excel, VLOOKUP, Microsoft Office Suite, Pivot Tables

FHA Connection

AML/BSA QC Review

FINCEN

LexisNexis

Dunn & Bradstreet

NASDAQ/Dow Jones/NYSE

Loan IQ

Hot Docs

ACE

FNMA, FHLMC, USDA

Lending Authority of $1M with prior experience of up to $1,500,000

Experience in Credit Quality Review and Entity Vesting Review

Calyx Point

DU/LP/GUS

SharePoint and SQL

Work Experience

Global Markets Professional Operations Analyst (AML Refresh)

Bank of America-Addison, TX

March 2023-Present

Conduct CDD and ECDD regarding company policies and guidelines

Maintain a portfolio of clients in multiple jurisdictions.

Liase with Sales/Client outreach teams to obtain and validate correct documentation for refresh requirements.

Ensure all jurisdictions regulatory requirements related to KYC are adhered to.

Mortgage Underwriter III

Digital Risk, LLC - Carrollton, TX

November 2019 to October 2022

Reviewed complex tax returns for collateral determination as required for loan approvals.

Experienced at underwriting complex tax returns regarding non-Conforming loan review.

Maintain pipeline daily to ensure loans meet closing deadlines.

Approved, declined, or suspended loan submissions based on a full credit underwrite.

Business Support Specialist II

Auction.com - Plano, TX

March 2018 to November 2019

Assist winning bidders, potential buyers with Third Party Sales process through live auction platform.

Provide detailed instructions on how to bid on properties and requirements for pre-auction and post-auction processes.

Communicated via Chat, online and verbal.

Daily calls 40-65 calls, 20 emails and 15 chats (when available.)

Ensure required documents are received in a timely manner.

Maintained an assigned portfolio of Platinum bidders and REO PROPERTIES.

Business Support Specialist

American Mortgage Consultants

July 2017 to April 2019

Collateral Review

Maintained portfolio of clients based in Puerto Rico

Review documents during risk assessment to ensure policies and guidelines are complying.

WSP/FEMA Contract Inspector

Google Translator

September 2017 to November 2017

Disaster Inspector)

Performed inspections in disaster declared area dwellings on applicants for primary residence requests for relief assistance.

Entered disaster applicant primary residence information into ACE and Inspector Depot

Forensic Underwriter

Recovco Mortgage

November 2016 to April 2017

Experienced at underwriting complex tax returns.

Maintain pipeline daily to ensure loans meet SLA deadlines.

• Reviewed financial documents to determine ability to repay.

Reported and found findings to Operations Director to initiate next step.

AML QC Specialist II Commercial Transportation Accounts

NTT Data

May 2016 to October 2016

contract)

Performed online data searches via internal systems, commercial databases and internet searches.

Applied bank standard policies, procedures towards internal and external assessments.

Ability to follow flow of funds from source to beneficiary.

Reviewed contracts, bank statements, corporations tax return and Trust documents

Access FINCEN, Bloomberg, Dunn & Bradstreet, LexisNexis, Secretary of the Sate website

Ensured quality review on files completed by the Remediation Analyst Investigator

Applied various levels of review: AML, Fraud, EDD, CDD, KYC, and BSA requirements.

Mortgage Underwriter II

JPMorgan Chase

July 2014 to May 2016

Reviewed, interpreted and analyzed borrower documentation to determine income and repayment ability, analyzed housing expenses to make quality decisions on modification requests.

Experienced in underwriting JPMorgan Chase Private Client loans, Fannie Mae, Freddie Mac, and USDA.

Experienced at underwriting complex tax returns.

Used VLOOKUP to gather dated information to make corrections within mortgage documents.

Maintain pipeline daily to ensure loans meet closing deadlines.

Submit claims through internal systems for processing.

Reviewed Trust documents with regards funds proceeds to be applied towards loan request

Updated various underwriting systems with relevant loan information.

Home Loan Underwriter III

Wells Fargo

February 2013 to March 2014

Reviewed complex tax returns for collateral determination as required for loan approvals.

Experienced at underwriting complex tax returns.

Communicated with processor/originator regarding decisions.

Maintain pipeline daily to ensure loans meet closing deadlines.

Approved, declined, or suspended loan submissions based on a full credit underwrite.

Quality Control Manager II

Bank of America

March 2012 to February 2013

Partnered with other departments in the preparation of analyses and identified improvement opportunities.

Managed a team of 16 Business Quality Control Specialists.

Held Interim Unit Manager position during absence of assigned Unit Manager

Provided analytical support to ensure investor guidelines were met while adhering to company policy and procedures.

Quality Control Analyst

DISYS/Bank of America

August 2011 to March 2012

Audited loan files in accordance with government guidelines

Kept abreast of guideline changes for KYC guidance.

Communicated with sales/clients regarding fail audit reviews.

Asset Account Manager II/Modification Underwriter/AML/BSA

Capital One

November 2009 to July 2011

project other projects

Provided support to members in the areas of underwriting operations, procedures and policies.

Prepared loan files from loan applications, credit reports, and other related documents

Partook in Fraud review project on electronic transactions on credit card accounts, mortgage accounts.

Partook in underwriting modifications during department transition timeframe.

Foreclosure Specialist II/Special Project

Bank of America

October 2008 to November 2009

Coordinated with internal staff, external vendors, title companies, and attorneys.

Submit foreclosure requests through Black Knight

Submit loss mitigation claims through investor systems, (FNMA, FHLMC and FHA)

Partook in project which included FHA Claims processing verified information correct prior to claims submitted through FHA Connection

Loss Mitigation Underwriter/Settlement Coordinator

First American Home Loans

September 2005 to October 2008

Developed training manual for the Settlement Coordinator position.

Filed claims to Fannie Mae, Freddie Mac and FHA in compliance with claims process.

Reviewed titles and submitted conditions for title clearance.

Prepared, typed and processed loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using internal systems.

Submitted FHA Claims on forbearances, modifications and partial claims with senior management approval on claims submitted for deed in lieu.

Appraisal review

Education

BBA in Management

American Public University

May 2014 to April 2021

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