Quality Control Financial Services

VANESSA JINWRIGHT

703-***-**** **********@*********.***

PROFESSIONAL SUMMARY

Highly skilled and hard-working financial services professional with extensive experience and expertise in quality control, risk assessment, underwriting management, data accuracy and security. Possesses a deep understanding of credit analysis, loan origination, and closing. Offers great time management and task prioritization skills. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as a skilled underwriter. Successful in leading underwriting teams and training junior staff to handle the high workload with impeccable accuracy. Proven expertise in identifying unacceptable risks and preventing fraud. Skills

Analytical and Critical Thinker

Commercial Underwriting

Complex Problem Solving

Data Privacy

Desktop Underwriter

Fair Lending Regulations

FHA CHUMS

Federal Statutes

Fannie Mae Guidelines

Fraud Prevention and Detection

Freddie Mac Guidelines

Government Lending

Jumbo and Super Jumbo Loans

Loan Modification and Restructuring

Loan Product Advisor

Microsoft Office

Performance Assessment & Improvement

Property Evaluation

Quality Control Procedures

Strategic Risk Management

VA SAR

Variance and Risk Analysis

Detail-Oriented

Seminars And Workshops

Loan Processing

Underwriting Guidelines

Verbal And Written Communication

Performance Assessment & Improvement

Property Evaluation

Quality Control Procedures

Strategic Risk Management

VA SAR

Variance and Risk Analysis

Work History

Mortgage Loan Underwriter 09/2020 - 01/2023

Century Communities – Remote

Monitored pipelines to track and log loan status

Worked with processing team members to communicate errors and obtain missing information for current applications

Expert Encompass User

Approved or denied loans based on established criteria and underwriting guidelines Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA Verified the integrity of applicants' information to minimize fraud Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status

Evaluated loan applications, collateral review, determined creditworthiness, assessed risk, and established loan conditions.

Underwriting Standards Manager 03/2010 - 12/2017

Fannie Mae – Atlanta, GA

Managed a team of underwriters engaged in activities related to reviewing loans sold to the Agency for quality assurance, misrepresentation, and risk

Represented the unit as an expert or resource to cross-functional projects or coordinating teams Kept up to date on compliance trends and rulings using meticulous research and study Liaised with clients to identify and target inefficiencies in areas of risks and business controls, process gaps, and workflow discrepancies

Performed regular compliance reviews and audits, identifying non-compliance issues Motivated and developed employees by creating incentives to encourage employees to excel and maintain low defect rates

Monitored portfolio performance and provided clients with periodic updates on loan progress Partnered with auditors to track errors and add contributions to maintain accuracy Researched and updated industry knowledge on changing legislation and regulations Created, developed, and implemented underwriting procedures and strategies to accurately and efficiently review closed loan applications.

Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals

Skilled at working independently and collaboratively in a team environment Self-motivated, with a strong sense of personal responsibility Proven ability to learn quickly and adapt to new situations Demonstrated respect, friendliness, and willingness to help wherever needed Excellent communication skills, both verbal and written Passionate about learning and committed to continual improvement Proved successful working within tight deadlines and a fast-paced environment Director of Quality Control 01/2006 - 03/2010

Freddie Mac – Atlanta, GA And McLean, VA

Maximized seller quality performance through the management of a regional quality control unit Analyzed underwriting, risk management strategies, and quality control risks of corporate customers which increased their acceptable quality rate and improved customer satisfaction Evaluated and redesigned quality control and risk management practices Scheduled and chaired quality review meetings to discuss the effectiveness of performance, mitigating risk, and quality control programs and recommended alternative control approaches as appropriate Planned, scheduled, and coordinated customer site visits to review underwriting operations Rendered final quality control decisions and determined whether customer remedy requests, appeals, indemnification, and loan exceptions were contract-compliant. Academic Success Coach 01/2006 - 08/2020

Part-Time Self-Employed – Georgia, Maryland, North Carolina, Virginia Enabled underachieving students to reach target attainment levels by providing individualized coaching and activities

Used flashcards and other techniques to test and improve memory through practiced information retrieval Collaborated with parents to develop appropriate tutoring lessons Collaborated with students to complete homework assignments, identify lagging skills, and correct weaknesses Tutored diverse groups of students to strengthen subject comprehension, boost confidence, and build important learning skills

Taught students remotely using online video chat platforms and other delivery channels during COVID Shut-Down

Worked closely with students on specific class struggles, closely reviewing materials and assignments to offer targeted help

Supported students in the development of critical thinking skills and perseverance to persist with challenging tasks Conducted review sessions to help students prepare for tests. Education

Did Not Graduate

Southern Connecticut State University - New Haven, CT Did Not Graduate

Oberlin College - Oberlin, OH

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