Quality Control auditor

DANEISHA K TAYLOR

Fort Worth, Texas ***** 817-***-**** **************@*****.***

Professional Summary

Experienced Auditor/Underwriter skilled in risk analysis for all types of banks and other lending institutions. Proven experience in assessment of creditworthiness of client companies. Wide background in financial information analysis. Strong current knowledge of compliance and legal issues involved in credit approval.

Skills

●70wpm SLOAD Citrix Kaizen Workflow Mortgage Serv LPS DaVox Clara Account Serv Lombardi Encompass

●Excellent quantitative and qualitative

●Strong sense of urgency and proactivity

●Teamlead

●Extremely organized

●IRC NPV IAM Workflow GEM Desktop ERLMF Underwriter Encompass Excel Audit Genius Lender Tools

●Problem-solving skills

●Commercial loans

●Credit decisions/Credit risk/Audits

●Auditing

Work History

Senior Underwriter 3/2022 to current

First Horizon Bank-Remote

Reviewing loan applications and performing detailed review of mortgage loans including income, assets, credit and collateral

Underwriting loans in accordance to compliance with agency or private investor guidelines.

This includes eligibility, calculation and analysis and documentation of income, assets, liabilities and borrower and mortgage program eligibility

Maintaining current and updated knowledge of client and investor guidelines

Making loan eligibility decisions with approval/decline or incomplete

Senior Quality Control Analyst 11/2020 to 3/2022

Redfin Mortgage-Remote

●Review and assess underwriting decisions of Underwriter I, II, and III underwriters for pre-funding full file QC review, reporting and record retention as well as early payment default review, reporting and record retention.

●Communicate deficiencies identified in underwriting work and file documentation and require remediation of errors prior to funding

oPre-Funding Full File and Targeted Review daily on various issues as assigned by QC Manager

oCommunicate with branch staff and branch management results of full file and targeted pre-funding reviews daily

oRespond to branch responses on pre-funding reviews and targeted reviews and clear files to close

●Update Pre-Funding and Targeted defect tracker and folder daily

●Identify, track and escalate deficiencies identified during the review process and disseminate a review report providing details of the finding(s).

●Perform risk analysis and make decisions regarding deficiencies identified during the review

process.

●Review and analyze mortgage applications, credit reports, appraisal, income and asset

documents to determine accuracy and completeness per guideline requirements.

●Analyze data to detect deficient controls, identify transaction components that indicate a

potential for fraud (or material misrepresentation) and perform sufficient investigative work to confirm or disprove issues that are identified.

●Perform a data integrity review for loans underwritten with DU or other automated

underwriting systems

●Provide excellent customer service to the Operations business units through professional

written and verbal communication.

Post Closing Quality Control Auditor 06/2018 to 11/2020

Indecomm Global Services-Remote

●Perform quality control reviews on conventional and government loan production in accordance with requirements of Fannie Mae, Freddie Mac, Housing, Veterans Administration,USDA, private investors and examine loans for federal disclosures.

●This includes eligibility, calculation and analysis and documentation of income, assets, liabilities and borrower and mortgage program eligibility and accurately input of all loan information utilizing the Kaizen system for quality control audit.

●Perform data integrity check of Automated Underwriting System and desk review of appraisal for data, validity of comparable, value conclusion, and if repairs were required to meet safety and soundness requirements.

●Identify and review results of required reverification documentation and review and identify fraud red flags for elevation to fraud department.

Business Underwriter 10/2017 to 06/2018

Small Business Administration – Fort Worth, TX

●Process loan applications on a web-based computer system (DCMS) and make recommendations/decisions to approve or decline residential and business loans

●Determine gross income using W-2s, Federal tax returns financial statements to analyze repayment ability for applicants Business and home).

●Investigate and evaluate credit histories to determine credit worthiness of individuals and businesses thru Credit Bureau Reports and Dun & Bradstreet and determine the repayment ability by applying financial procedures to analyze resources to determine financial position of the applicant and analyzing real estate collateral to secure loans

Quality Control/Quality Assurance Auditor 09/2015 to 09/2017

Supreme Lending – Addison, TX

●Post Closing Quality Control Auditor for reviewing Conventional, FHA, USDA, VA and Fannie Loans after post-closing to ensure compliance Underwriting Guidelines and Regulatory Agency requirements were met.

●Ensuring accuracy of loan was obtained in the origination process and reviewing the AUS for accuracy and reviewing file documents to confirm the file was Underwritten properly using the best practices and judgement

●Review of closing legal documents to ensure the file information was accurate, complete and consistent with all other documents in the file and funds were disbursed in accordance with the closing instructions in the file.

●Ensure compliance with RESPA, TRID which includes reviewing the documentation of the Transfer of Servicing Disclosure and the Loan Estimate and Closing Disclosure.

Underwriter 02/2012 to 08/2015

Wells Fargo Home Mortgage – Irving, TX

●Performed Quality Reviews for Conventional and Government loans and ensure production is in accordance with the requirements

●Calculated income such as: self-employment, wage earner, fixed income and rental income and analyzed customer data, including financial statements

●Ensured documents were consistent and upheld to company and industry guidelines.

●Gathered, and analyze all types of credit information for customers in order to maximize credit and minimize risk and potential loss, Perform Fraud/Red Flag reviews, review of 1003 and DU/LP.

Executive Liaison/ Loan Underwriter 01/2009 to 02/2012

American Home Mortgage – Coppell, TX

●Underwritten, Conventional, Prime/Subprime, Conforming/Non-Conforming, 1st mortgage, 2nd mortgage with the ability to manage over 100+ loans in my pipeline and understanding credit policies

●Calculated all incomes and conducted loan level cash flows for the borrowers to determine affordability and determined HTI/DTI, LTV and analyze and all types of credit information for customers in order to maximize credit and minimize risk and potential lost.

●Used an automated scoring system (Agent Desktop) or traditional underwriting to approve loans and well as reviewed company and investor guidelines.

Underwriter II 11/2007 to 01/2009

Saxon Mortgage Inc – Fort Worth, TX

●Gathered and reviewed homeowner financials and income and auditing files, while utilized investor guidelines for Freddie Mac, Fannie Mae and FHA

●Calculated income such as Self employed, Wage earner, fixed income and rental and conducting loan level cash flows for the borrowers to determine affordability, including unusual or complex financial documentation to determine HTI/DTI

●Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions.

Education

Tarrant County College District - Fort Worth, TX

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