A highly ambitious mortgage professional with a diverse background.

KEY SKILL HIGHLIGHTS

• Frontline Origination Underwriter

• Quality Assurance Underwriter

• Quality Control Underwriter

• Condo Underwriter

• VA / FHA Underwriter

• Compliance / Forensic Underwriter

• Manual Underwriter

• Training and Development

PROFESSIONAL / PERSONAL STRENGTHS – & – AREAS OF EXPERTISE

• Conflict Diffuser

• Action Oriented

• Abreast Changes

• Reliable

• Team Builder

• Great Judgment

• Effective

• Optimistic

• Multi-Tasker

COMPUTER SYSTEM – SOFTWARE – PROGRAMS

• DU / LP – AUS

• LOS / QAS

• Cadence

• Mortrac

• Encompass

• Microsoft Office

• Microsoft Project

• Lexis Nexus

• Fraud Guard

• FileNet

• Work Number

• AllRegs

PROFESSIONAL EXPERIENCE

Direct Mortgage

August /2020 – Present

QA Analyst / SME / File Reviewer / AML Analyst / Senior – Frontline Conventional Underwriter

• Forensically underwrite closed loans. File Review & QA Auditor for both live & closed loans. Audited entire credit packages and collateral for residential mortgage loans to dispute or affirm findings by claimant expert. Checked accuracy of all calculations including DTI, LTV/CLTV, GFE's, HUD-1, income, assets & reserves. Derivative Claims subject matter expert and analysis. Researched and analyzed data to help create a synopsis of specified loans as a part of litigation project.

• Additional projects include remote LAR Scrub, HMDA projects, RESPA, Geocoding, GMI, Anti-Money Laundering (AML), FCRA disclosure, Data Integrity, Bankruptcy, Claims Analysis, Fair Lending & Disclosure Review.

• Investigate the look-back accounting documents of each department and the organization as a whole to ensure compliance of each transaction with the set accuracy, legal and ethical standards. Documented and reported investigative findings LATONYA JALLOW

972-***-****

ad0rke@r.postjobfree.com

as well as AML resources used for findings (Lexis Nexis findings, Google Search findings, World Check findings, Entity or Customer Statements, etc.)

• Keep track of any suspicious money transfer, dealings or documents. Perform timely verification of these transactions to check its authenticity. Strong analytical skills in manual underwriting as well as automated reviews in all channels, retail, wholesale, and correspondent.

• Creating Suspicious Activity Reports (SAR), Know your Customer (KYC), Financial Action Task Force, Office of the Comptroller of Currency (OCC), Transaction Monitor Alerts (RED Flags), Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC), Currency Transaction Reports (CTR).

• Underwrote residential mortgage loans in accordance with Conventional/ FHA and VA guidelines.

• Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to- value ratios, appraisal reports, collateral and supporting documentation.

• Input of data and analysis of findings in Loan Prospector, Desktop Underwriter, Asset wise, other AUS engines.

• Analyze income from salaried, commissioned, self-employed, investments, fixed income sources.

• Analyze assets statements for all types of asset accounts.

• Identifies/calculates loan risk of loss.

• Conditions files for missing/supporting documentation.

• Revisits loans to review and clear conditions.

• Escalates fraud files to Credit Manager/Risk Management team

• Communicate status and decisions (approval, suspense, denial) to the appropriate individuals in accordance with company SLA’s

• Review and verify income, employment, and credit history of applicant, requesting additional information as needed.

• Examine loan documentation for accuracy and completeness, while working with Mortgage Consultant and/or production staff to secure all required documents

• Review property appraisal to see if property valued correctly to warrant the loan amount requested.

• Ability to perform duties under minimal supervision and actively engage with supervisor to resolve complicated issues

• Strong time management skills to plan and organize a high daily loan volume Altisource

Jan/2019 – August/2020

Senior – 2nd Level File Reviewer / QA - Manual Underwriter

• Conduct compliance analysis for a documentation review

• Identify and verify exceptions within files and prepare reports and findings in a clear and concise manner

• Analyze and interpret data

• Responsible for reviewing closed originated mortgage loans for completeness and compliance within its required mortgage underwriting guidelines

• Index loan findings utilizing internal matrixes addressing credit issues, income issues, appraisal issues, employment issues and compliant issues

• Ensures accurate and complete files by reviewing all documentation against mandated regulation, and investor guidelines.

• Address claims and any loan deficiencies for legal contested compliant matters by preparing written correspondences for all stakeholders/clients; validating and/or clearing any claim findings

• Manage and maintain loan pipeline

• Meet, exceed daily loan quotas and productivity standards U.S. Small Business Administration

Jan/2017 – Jan/2019

Senior – Frontline Conventional / Federal Home Loan Underwriter

• Responsible for a variety of duties all related to all consumer and business regulatory guidelines and compliance as it relates to seeking funds / mortgage lending.

• Investigate and evaluate credit history to determine credit worthiness of homeowners, businesses and/or their principal owner(s).

• Process home and/or business loans and make recommendations on collateral needed to secure loans.

• Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.

• Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.

• Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

• Respond orally and/or in writing to applicants or their representative USAA

Nov/2015 – Aug/2016

Frontline Underwriter – Sr. Quality Manager

• Ensured that the quality of loans conformed to government regulations, company standards/guidelines and standards for the secondary market in a timely matter.

• Review, analyze and decision mortgage loan applications – update and ensure completeness and compliance of all data within the file and Cadence/LOS for each transaction

• Reviewed and complete condo /co-op project / PUD / condotel projects and communicate decisions for approval, suspense, or denial

• Clear conditions in a timely manner

• Communicate conditional approvals, denials and/or counter offers of underwriting reviews/decisions to processors, loan officers and borrowers.

• Ensures accuracy of loan disclosures and documentation

• Review and calculate income and assets based on documents within the file submitted by borrowers

• Review and analyze appraisals, preliminary title work, and purchase contracts

• Make loan decisions based on the overall worthiness of the borrower(s) and issue loan approvals, counter offers, or denials

• Identify loan deficiencies and calculate the risk grade on each (material, moderate, low)

• Communicate deficiencies to the Underwriting Group and confirm that corrective action has been taken

• Revisit loans to review and clear deficiencies

• Escalate files with suspected fraud to Quality Control team

• Identify quality trends and work with QA / Compliance / Risk Management to recommend and drive corrective action

Fannie Mae

Dec/2013 – Nov/2014

SR. CRT – Underwriter – Forensic / Frontline Manual / Compliance Underwriter

• Reviewed submitted mortgage loan files for adherence to investor/agency and lender guidelines

• Completed full analysis of every borrower’s credit, income, assets, and collateral to determine the borrower’s credit worthiness and any possible risk of default

• Identified and addressed loan files with inconsistencies, red flags, misrepresentation and/or fraudulent activity from analyzing all loan file documentations

• Reviewed condo’s/co-op’s loans, the project questionnaire, appraisals, by-laws, covenants, conditions & restrictions (CC&Rs), insurance declarations, leasehold agreements, offering plans and any amendments per guidelines and overlays

• Assigned, projected, facilitated, participated, managed, tracked and deployed proof of concept implementations to validate product feasibility of complex projects

• Adhere to AML – Anti Money Laundering compliance and regulations

• Determining, analyzing and reporting significant material trends; initiating investor actions to mitigate losses in which resulting the lenders to repurchase back the bad loans.

• Negotiated a multi-billion-dollar mortgage agreement with several large financial institution’s

• Setting goals and objectives for individuals and teams.

• Roll-out and support product initiatives

• Managed research vendors that supplied custom and syndicated data, extracting, analyzing, and interpreting data from primary (United States) research and secondary/syndicated (Non-United States) data sources.

• Liaise with individuals across a wide variety of operational, functional, and technical disciplines

EDUCATION

• Louisiana Tech College 1997

• Texas Army National Guard 2010 - 2012

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