marie logan

**** ****** *****, ***** ***-*** Lawrenceville, GA 30043 678-***-****

ad0lxn@r.postjobfree.com

Extensive background: Customer Service, Including experience in Mortgage File Review/Compliance, Forensic investigation, Foreclosure Mitigation, Retail Frontline, Due Diligence, Risk Assessment & Loss Mitigation Underwriting, employee coaching and QC Auditing, staff development, mediation, conflict resolution, records management, state regulatory Compliance, Federal and legal compliance, FEMA Project Specialist, MS Intermediate Office Skill Set, AICS Training

QA/QC Compliance/Risk assessment skills

Compliance Auditor Senior

Under the direction of the VP, Director of Compliance and/or the AVP, Compliance Manager, the Compliance Auditor Senior is responsible for organizing, planning, and conducting periodic reviews of the company activities. This position assesses the internal controls, operations, and administrative functions for efficiency and effectiveness. Reviews and monitors policies and procedures to ensure compliance with federal and state regulations and our corporate compliance program for over 20 years.

DUTIES & RESPONSIBILITIES

The Truth in Lending Act (Specialist)

Special efforts involving compliance remediation of The Truth in Lending Act (TILA) which is implemented by the Board's Regulation Z (12 CFR Part 226). A principal purpose of TILA is to promote the informed use of consumer credit by requiring disclosures about its terms and cost. TILA also includes substantive protections. For example, the act and regulation give consumers the right to cancel certain credit transactions that involve a lien on a consumer's principal dwelling. Regulation Z also prohibits specific acts and practices in connection with an extension of credit secured by a consumer's dwelling.

Assist with and provide oversight of compliance audits of the company to ensure compliance with state and federal and other related regulations and legislation.

Documents reviews, noting any discrepancies.

Perform routine duties and data analysis for real estate funds

Reconcile various accounts, research variances and correct as required

Load and validate data, conduct ad hoc research and analysis.

Investigates discrepancies and makes recommendations for corrective action.

Assembles necessary information, work papers, and documents.

Reports the audit results to management, periodically.

Analyze and interpret regulatory changes; serve as a change advocate for the organization.

Assist with ad hoc corporate-wide projects; ability to assume leadership role in such projects.

Serve on compliance-related work groups and committees.

Adhere to all company policies and procedures, including those established by Company Corporation • Special projects and other duties as assigned

In depth understanding of the laws and regulations that govern residential mortgage lending.

Excellent communication skills, both verbal and written.

Position requires strong analytical skills, attention to detail, and ability to work independently.

Ability to meet deadlines.

Demonstrated judgment and decision making ability.

Excellent computer skills i.e. Excel-advanced skill level; Word, PowerPoint as well as experience with industry related systems/software are a must.

Display excellent time management, organizational and problem solving skills

Demonstrated ability to interact effectively with branch, regional, corporate and bank personnel.

Create test plan, testing procedures for integration purpose.

Adapt quickly to rapidly changing environment.

Recent Professional Experience

BESTCHOICE CONSULTING & INVESTOR RELATIONS

CEO- Lawrenceville, GA

December 2016 to Present

Assist with and provide oversight of compliance audits of the company to ensure compliance with state and federal and other related regulations and legislation.

Documents reviews, noting any discrepancies.

Perform routine duties and data analysis for real estate funds

Reconcile various accounts, research variances and correct as required

Load and validate data, conduct ad hoc research and analysis.

Investigates discrepancies and makes recommendations for corrective action.

Assembles necessary information, work papers, and documents.

Reports the audit results to management, periodically.

Analyze and interpret regulatory changes; serve as a change advocate for the organization.

Assist with ad hoc corporate-wide projects; ability to assume leadership role in such projects.

Review initial regulatory disclosures to ensure compliance with applicable local, state and federal regulations.

Assist Loan Officers and Processors in completing or correcting required disclosures.

Issue revised Change of Circumstance notification and accompanying Loan Estimates.

Knowledge of lending regulations preferred.

Guide strategic, tactical and operational decisions by establishing, monitoring, and enforcing policies and procedures.

Evaluate and interpret new legislative and regulatory requirements as they relate to REO and loan liquidations.

Consult with clients to strategize appropriate resolutions to complex title, eviction and contested foreclosure actions.

Review and revise internal compliance and risk management policies and procedures.

Develop, conduct and revise, as appropriate, initial hire and ongoing staff training programs.

Review, advise and administer client/vendor contracts.

Responsible for creating and maintaining company organizational data and general communications.

Responsible for working with companies on creation and maintenance of job descriptions

Lead and advise a team on internal and client auditors to evaluate and ensure SOC Compliance.

Take lead role on responses to RFI's and Third Party Questionnaires.

Manage and perform annual vendor assessments.

Monitor and track legislative and regulatory requirements as they relate to mortgage servicing and oversight.

Lead/advise and litigation support and servicing oversight projects as needed.

Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; participating in professional societies.

SBA (SMALL BUSINESS ASSOCIATION); EASTERN REGION, GEORGIA

CRS TEMPORARY FOCS, Commercial/Consumer Loan Processor,10/2018 to 12/2018, 40 to 60 hours

BANK OF AMERICA CONTRACTOR/AEROTEK — Dallas, TX

Senior QC Default Specialist 02/2012 to 8/5/201, 40 to 50 hours work

Key Results:

QC Mortgage Control Specialist (Client BOA, Dallas Texas) February 5, 2012 to 8/5/2017

Reviewed loans for regulatory compliance audits, accuracy, documentation, Red Flags

Insured Quality as well as accuracy

Worked Closely with Brokers, AE’s, Loan Processors and Closers

Worked with HAMP/Non Hamp Department & Loss Mitigation teams

Manage quarterly valuation of Whole Loan portfolios with consideration for Fund accounting and investor reporting parameters & Compliance issues and reporting’s utilizing excel and Visio.

Provide weekly and monthly reporting on performance versus targets and identify potential portfolio risks / opportunities.

Knowledge of Analytical Finance, Management Accounting, Capital Markets, Operations and Process Improvement

Responsible for utilizing Lexis Nexis to verify occupancy issues or aide in loan validity.

Performed Credit & Compliance ILQA Reviews via BOA SharePoint evaluation systems

Earned excellent marks on performance reviews, with citations for excellence in areas including work volume, accuracy and quality; ability to learn and master new concepts; positive work ethic; and commitment to providing unsurpassed service.

Coordinate with outside counsel and defense writers

Reviewed and audited Residential 1-4, Multi-Family & Various loan programs

Review Market Surveys, Construction Loan draws, Property litigations, loan workouts, Loan Modifications, short sales etc.

Reviewed Borrowers Financial Statements, Income, W-2, credit, debt, assets, 1120S, 1040k-1’s White Paper Detail, Trust Funds & Intensive Financial Breakdowns

Reviewed and Utilized SAM Forms and Checklist for Self Employed Borrowers

Insured Valid Decision making

Review tax documentation & financial documents, Reviewed secretary of the secretary of state and other website for review clientele checkbook journal petty cash and payroll, Trust funds and insurance purposes.

Reviewed P&L, White Paper Detail, Tax returns, all schedules and SAM Forms for accuracy

Manual underwrote to FNMA, FHA, VA and Freddie Mac Guidelines

Comfortable with Manual Underwrites as well as DU/LP.

Performed multi-faceted Loss Mitigation, short sales, Conventional and Quality Assurance audits for Lender.

Reviewed Loans for Risk Assessment.

Special project remediation surrounding ever product line such as HFI, SPO, FHA, DOJ, FNMA, Freddie etc.

Familiar with HAMP Program and Making Home Affordable Programs

Reviewed Buybacks, Repurchases, Short sales, Loan Modifications and Loss Mitigation loans

Verified Borrowers Income, Assets, DTI, Insurance, PITI Calculations, Rental Income

Insured all docs were correct and accurate before sending the loan package

Reviewed title work & liens, Final HUD-1, 1003, 1008, Credit Packages, Notes, Appraisal on all Conforming and Non Conforming loans.

Vast knowledge predatory lending, HMDA,QA/QC,RESPA 2010, ECOA,TILA

Senior Project Consultant: Senior Mortgage Audit Review Lead

Promontory Group LLC ) 8/2011 to 1/2012, 50 to 60 hours

Handle workout agreement within a high volume, deadline or production environment, including managing file review request for information RFI team and exceptions when referred by promontory or internal claim review. Review foreclosed loans, evaluate whether or not they were processed in accordance with Hamp, BAC, proprietary modification or other applicable programs guidelines and requirements. Review and compiles fully documented loan histories, imaged documents and information used to make the foreclosure decision complete claim review and harm evaluation according to Promontory OCC definitions in order to determine borrower/customer has a valid claim. Determine if there was financial injury. If there was financial injury, determine the amount of financial harm. Loan audit and underwriting management experience supervising a team of mortgage loan auditors who perform audits according to the guidelines/timelines established by its clients. Direct staff in auditing EPD and distressed loans to determine origination underwriting deficiencies or misrepresentation.

Utilized the Enterprise! loan servicing/asset management system provides centralized loan administration, portfolio and loan-level data management, and investor reporting functionality for several formats, including government-sponsored enterprise (GSE), life companies, and CMBS Investor Reporting Package requirements.

The Asset Management module provides special servicing administration and reporting, and is integrated with Enterprise!.

The servicing system is integrated with general ledger, corporate Treasury functions, and an internally developed bank account reconciliation program, all of which support accounting, loan boarding, and advancing functions.

After file download, the loan records are checked by loan administration using the same standard of internal controls that is used for primary serviced loans.

Imaged documents are received from sub-servicers and incorporated with the loan record through the imaging system.

Online investor deal summaries/PSAs assist in monitoring sub-servicer and primary servicer activities to ensure that the reporting procedures are handled correctly.

Loans are set up for "shadow servicing" to record loan-level P&I payment records, and tax and insurance information is not loaded at the loan level but monitored via quarterly officer certificates and monthly sub-servicer reports.

There are borrower and investor Web sites; the investor Web site provides portfolio, asset, and property-level information to assess pool and loan performance.

A separate module provides automated data downloads from sub-servicers and oversight of administrated tasks.

Payment processing and bank account reconciliation.

Handling of cash management (hard lockbox) agreements.

Automated triggers and e-mail alerts on loan covenants events.

Electronic payment capture rate is 100%, of which 90% is received through EFT and 10% via wire transfers.

Loan-specific hard lockbox collections are electronically posted to the servicing system through integrated banking and imaging software.

Six accounts are cash-managed (hard lockbox) loans and are handled through efficient automation routines.

Duties for the receipt and deposit of funds, batch processing, and payment posting are appropriately segregated.

Online bank account access is used to balance the daily payment clearing account and perform a complete daily reconciliation including aging of open items.

The system tracks taxes and insurance. Loans escrowed for taxes and insurance were approximately 34% and 35%, respectively.

A tax service is used for both escrowed and non-escrowed loans, and insurance policies are reviewed for compliance internally.

Renewal notices are automatically generated for insurance policies, and letters are sent on non-escrowed tax accounts.

A force-placed policy is in effect with a suitable carrier rating, with an extensive look-back period.

Policies and procedures are well designed, with processes for monitoring complex loan structures.

Staff have expertise for credit and collateral performance monitoring.

There is a detailed, centrally controlled watch list process with automated triggers.

Individual loan-level credit risk ratings are assigned.

Asset managers review principal and interest (P&I) and property protection advances (PPA) advancing needs, watch lists, and monitor specially serviced loans.

Proactive procedures are in place to obtain and review annual property inspections and financial statements.

Tracking of property financial statements and inspections is automated through the servicing system.

A third-party vendor enters financial-statement data and in-house credit analysts perform an initial compliance review for imaging and analysis of the data.

The servicing system is interfaced with the general ledger to facilitate ledger entries and reconciliation of balances.

Outgoing wires processed under dual controls.

Automated nightly funds transfers from payment clearing to custodial accounts by the servicing system.

Automatic generation of investor reports from its servicing system facilitate both CMBS and other third-party investor reports.

Reviewed Buybacks, Repurchases, Loan Modifications and Loss Mitigation loans

Verified Borrowers Income, Assets, DTI, Insurance, PITI Calculations, Rental Income

Insured all docs were correct and accurate before sending the loan package

Reviewed title work & liens, Final HUD-1, 1003, 1008, Credit Packages, Notes, Appraisal on all Conforming and Non Conforming loans.

Vast knowledge predatory lending, HMDA,QA/QC,RESPA 2010, ECOA,TILA

R R Donnely, GA)

Mortgage Due Diligence 2/2011 to 3/2011, 40 to 50 hours

Due Diligence Auditor: Review foreclosed loans, evaluate whether or not they were processed in accordance to Fannie Mae proprietary applicable programs guidelines and requirements. Review and compiles fully documented loan histories.

Reviewed Appraisals for accuracy, variance, adjusted net and Comparison review.

Reviewed 1003, 1008 packages for completeness and accuracy. Compared all borrower information against system input: confirm data fields. Identified underwriting /data discrepancies and other diligence issues. Verified and validated income, assets and liability documentation to validate underwriting decision.

Calculated and verified income structure (employment, tax returns K-1’s, Schedule C and A) 401K, Sale of property Review Final HUD, and any other Real Estate Owned. As well as predatory lending public records search. Knowledge of HMDA, QA QC RESPA ECOA, TILA

Stonehill Group, GA : Frontline Underwriter (Senior) Per File Based

Senior Frontline Underwriter 12/2010 to 8/2011, 40 to 60 hours

Researched, underwrote, and processed conventional mortgage applications for conventional products, Alt A, SISA, SIVA, Interest Only, second mortgages, and additional loans.

Accurately evaluated credit worthiness of mortgage brokers in accordance with guidelines of numerous loan programs.

Worked a pipeline of 150 loans a month.

Reviewed Title, Insurance policies, MI, Loss Mitigation Communication Logs.

Reviewed & Audited Residential 1-4 Family Properties.

Recalculated DTI, LTV, PITI, backend and frontend ratios

$1,250,000.00 Signing Authority

Mortgage Forensic Auditor (Contractor 1099)

5/2007 to 12/2010)- 1/2000 to 3/2007, 40 to 50 hours

Reviewed Loans from the HAMP Program, Loss Mitigation, Post Foreclosure & Loan Modifications

Recalculated DTI, LTV, PITI, backend and frontend ratios

$1,250,000.00 Signing Authority

Referenced Lenders Master Service Agreements & Various Matrices

Reviewed DU/LP, Clues/Clout, Asset wise & Manually underwritten decision loans for fraud.

Performed Credit & Compliance Reviews

Required to do at least 4-8 new loans daily

FHA, Conventional, Freddie Mac, VA, Interest Only, Alt A Prime and Subprime Paper.

Performed Credit and Compliance Reviews on open/closed loans.

Wrote any and all conditions for Stips for several types of loans.

Reviewed Appraisals for accuracy, variance, adjusted net and Comparison review.

Reviewed 1003, 1008 packages for completeness and accuracy. Compared all borrower information against system input, confirm data fields. Identified underwriting /data discrepancies and other diligence issues. Verified and validated income, assets and liability documentation to validate underwriting decision.

Calculated and verified income structure (employment, tax returns K-1’s, Schedule C and A) 401K, Sale of property Review Final HUD, and any other Real Estate Owned. As well as predatory lending public records search. Knowledge of HMDA, QA QC RESPA ECOA, TILA

Skillfully leveraged extensive expertise in mortgage underwriting and client relations to handle challenging loan volume for wholesale division of company’s northeast regional office.

Researched, underwrote, and processed conventional mortgage applications for conventional products, Alt A, SISA, SIVA, Interest Only, second mortgages, and additional loans.

Accurately evaluated credit worthiness of mortgage brokers in accordance with guidelines of numerous loan programs.

Reported directly to Vice President of National Underwriter Center (NUC).

Worked a pipeline of 150 loans a month.

Reviewed Title, Insurance policies, MI, Loss Mitigation Communication Logs.

Reviewed & Audited Residential 1-4 Family Properties.

Reviewed Repurchase letters for accuracy and Appeal Notices.

Utilized 28/36 Ratios

Reviewed Final HUD1, CBR, and QC Credit Reports.

New Construction, Streamline loans on Commercial & Residential

ACHIEVEMENTS AND CERTIFICATIONS:

Magna Cum Laude Graduate, GPA 3.85; Who’s Who Among College Students Achievements, FEMA Inspector, Appraiser, PMP certified, Mercury automated testing applications, AICS Training

EDUCATION

Faulkner University, Birmingham, Alabama

Business Management/Accounting/Finance- BS; Graduated May, 1980

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