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Felicia D. Campfield

Mortgage Underwriter – Due Diligence/Fraud-Forensic – Business Analyst

ad0ti1@r.postjobfree.com 404-***-**** Atlanta GA.

PROFESSIONAL PROFILE:

Highly experienced Mortgage Underwriter and Business Analyst with a combined 23 years of experience. Skilled in assisting legal teams in litigations, investigating suspicious transactions, and monitoring to detect and prevent money- laundering activity. Proficient in troubleshooting abnormal data and ensuring accurate and timely data collection. Proven ability to analyze loan compliance with specific investor requirements for salability requirements. Demonstrated excellence in communication, problem-solving, and decision-making. Skilled in underwriting a wide range of loan products, including conventional, Alt A, Single Family, Condo's, Townhome, 2-4 units, and income producing properties. Possesses excellent coaching and feedback skills, and can meet production, quality, and service standards. Keep up to date with current laws, regulations, and practices in the Bank Secrecy Act, USA Patriot Act, and Anti-Money Laundering regulations. Highly organized, detail-oriented, and possesses strong analytical and communication skills. PROFESSIONAL SKILLS:

• Microsoft Excel

• Power Point presentation for training and daily use •

• Lending and Underwriting Guidelines

• Encompass, MortgageBot Sales Force, Clarity, Lender Live, Data Verify, PACER, Real Quest, DU-LP, GUS, OPTIS, Genesis 2000

• Credit and Income Analysis

• Cash-Flow Analysis, Accuity, Image Flow

• Risk Assessment

• Loan-to-Value Ratios, Debt-to-Income Ratios

• Time Tracker, Image Flow, Snag it,

• Conventional, Government Mortgages - Conforming and Nonconforming Loans, Non-QM and Non-Agency (FHA, ARM, Bridge, JUMBO, USDA, VA)

• Workday, EClass, Core-Logic, Image Flow, Pro-Net, LexisNexis

• Account Service Excellence, Case Tracker Synergy

• HMDA, TRID, CRA, RED, BLS Website, FRS, FIS, Protocol, GIS, Anti-Money Laundering Institutional Guidelines, Bk Secretary Act.

• Personal and business tax return analysis • Communication, Problem-solving PROFESSIONAL EXPERIENCE

(Aston Carter) AgFirst Farm Credit Bank August 2021 – January 2023 Underwriter – (Remote) Columbia, SC

• Analyzing, evaluating, and underwriting construction-to-permanent mortgage loans. I have a strong understanding of construction loan processes, from pre-closing to post-closing activities.

• Reviewed project budgets, blueprints, and construction contracts to ensure that they comply with investor and regulatory requirements. I have also reviewed and evaluated the builder's qualifications, experience, and financial stability.

• Analyzing the borrower's credit, income, and assets to ensure that they meet program requirements for construction-to- permanent loans. I have a keen eye for detail, ensuring that all loan documents are complete, accurate, and meet investor guidelines.

• Collaborated with loan processors, closers, and post-closing staff to ensure smooth transactions and timely funding of loans. I am also proficient in using various loan origination systems to underwrite loans and communicate with external partners, such as title companies, appraisers, and mortgage insurance providers.

• My extensive experience in construction-to-permanent loans has equipped me with the knowledge and skills necessary to assess risk and make sound underwriting decisions. I am committed to providing high-quality service and ensuring that loans are underwritten accurately and efficiently.

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(Aston Carter) Wintrust Mortgage August 2020 – June 2021 Underwriter – (Remote) Chicago, IL

• Review credit documentation to ensure compliance with investor standards, including the number and type of tradelines, repayment history, derogatory credit events, and minimum payments on obligations.

• Underwrite various types of loans, such as Conventional, Jumbo up to 2 million, Subordinations, Single Family, Alt A, Condos, and 2-4 units.

• Possess extensive experience in underwriting Fannie Mae and Freddie Mac loans.

• Manage a monthly pipeline of 52+ loans, including 2-3 new underwrites and 3 resubmits daily.

• Analyze different types of income sources, including salaries, commissions, self-employment, investments, asset depletion, and fixed income sources.

Genworth Mortgage Insurance March 2020 – February 2021 Loss Mitigation Specialist (Remote)

• Analyze different types of income sources, including salaries, commissions, self-employment, investments, asset depletion, and fixed income sources.

• Reviewed credit origination and closing documentation of pre-claim delinquent loans for compliance to underwriting guidelines at the time of loan closing.

• Reviewed credit origination and closing documents for “red flags” requiring additional investigation up to and including engaging 3rd party vendors.

• Ability to prioritize workflow completing the pre-claim investigation to ensure timely claim settlements.

• Sending and receiving documents as part of re-verification efforts

• Reviewed re-verified documents for accuracy and compliance.

• Manage a pipeline of loans to ensure timely processing, review, and accuracy.

• Effectively utilize discretion on loan level decisions.

• Work in multiple systems to capture all required reporting data fields.

• Supply concise, condensed narrative when presenting a loan decision recommendation.

• Provide highest level of internal and external customer service. Meet and exceed production. Opus Capital - WIPRO - Lincolnshire, IL March 2019 – March 2020 Underwriter - (Remote) and

Frontline Retention Manager/Trainer; Discover Mortgage (on site)

• Conducted forensic due diligence on residential and commercial loans to identify potentially fraudulent activities.

• Utilized various tools and techniques to identify and analyze discrepancies in loan applications, income documents, and credit histories.

• Researched public records to identify potential red flags, such as bankruptcy filings, liens, and judgments.

• Analyzed appraisal reports and compared them with the actual property values to identify any inconsistencies. Reviewed all residential property types, and all property valuation tools including and not limited to Collateral Desk Assessments and AVM's. Title reports, credit history, income docs, tax returns, and ensured that exceptions were within compliance and guidelines.

• Identified and analyzed complex financial transactions to determine their legitimacy and ensure compliance with regulations.

• Prepared detailed reports and recommendations based on the findings of the forensic analysis to help clients make informed decisions.

• Re-underwrote closed loans: Freddie Mac and Fannie Mae loans, as well as USDA, VA, High Cost, TRID, and FHA loans from Retail and Wholesale.

• Calculated Loan to Value Ratios, Debt-To-Income Ratios, Residual Incomes, Payment Shock, and other pertinent measures of repayment ability.

• Reviewed credit documentation to ensure compliance with investor standards on the number/type of tradelines, repayment history, derogatory credit events, and minimum payments on obligations. AMC Consultants, Inc – Tampa Fl July 2018 – March 2019 Underwriter Analyst - Compliance (Remote)

• Review credit documentation to ensure compliance with investor standards, including the number and type of tradelines, repayment history, derogatory credit events, and minimum payments on obligations. Review credit documentation to ensure compliance with investor standards, including the number and type of tradelines, repayment history, derogatory credit events, and minimum payments on obligations.

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• Underwrite various types of loans, such as Conventional, Jumbo up to 2 million, Subordinations, Single Family, Alt A, Condos, and 2-4 units

• Performed due diligence decisions on closed and prior-to-close loans by utilizing manual underwriting and automated systems.

• Conducted investigative work using Fraud Prevention products such as Lexis Nexis, Accurint, Rapid Reporting, CoreLogic, & free public records online websites to identify potential fraud components and resolve issues.

• Reviewed mortgage applications for completeness and accuracy.

• Completed full underwriting for special projects as required, including manual underwriting, AUS/DU, Freddie Mac and GUS.

• Recorded data and reviewed conclusions in Cogent and MDMC software for quality compliance.

• Conducted front-line mortgage credit underwriting on conventional retail and wholesale residential loans FNMA/FHLMC/FHA/VA), calculated various income types, and submitted them to the AUS system, DU, and manual underwriting.

• Analyzed compliance monitoring reports and other related documents to detect suspicious and unusual activity patterns.

• Interpreted investor or servicing guidelines and business policies and procedures to enhance recovery.

• Conducted quality control audits of third-party vendors to ensure compliance with company and investor credit guidelines and requirements.

Opus Capital - WIPRO - Lincolnshire, IL June 2015 - July 2018 Frontline Retention Manager/Trainer; Discover Mortgage (on site) Forensic/Due Diligence Underwriter/Compliance Analyst (Remote)

• Serve as a subject-matter expert, assisting with difficult problems and questions, handling escalated calls, providing work direction, and training to underwriting staff.

• Coach and mentor on decision-making and departmental processes and policies and provide performance feedback to their supervisors.

• Facilitate highly effective technical training to ensure organizational consistency. Mentored and trained new-hire employees and processors.

• Provide research and recommendations for additional reports, tracking tools, and/or metrics that will contribute to the management of productivity and performance A daily conference call.

• Created a spreadsheet via excel for customer retention. The spreadsheet to reflect scoring and turnaround time to respond to the customer.

• Reviewed closed loans for eligibility with respect to Fannie Mae, Citigroup, Countrywide and GMAC selling guides ect.

• Utilized and reviewed Fraud Prevention product such as Lexis Nexis, Accurint, Rapid Reporting (tax transcripts), Core logic

(property valuation) and free public records online websites to complete the due diligence process in identifying transaction components that indicate.

potential fraud and perform sufficient investigative work in resolving the identified issues.

• Reviewed and analyze compliance monitoring reports and other related source documents for suspicious/unusual patterns of activity. Special emphasis on fraud review and early payment defaults and Review loan application packages for completeness and accuracy

• Review of Credit documentation to assure compliance with investor standards on the number/type of tradelines; repayment history; derogatory credit events and minimum payments on obligations. Review of residential mortgage appraisal forms for all residential property types.

• Identify underwriting/data discrepancies and other diligence issues. Verify and validate income, assets and liability documentation to support underwriting decision. Calculate and verify income structure (employment verification, tax returns, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc.) American Mortgage Consultants - FL Oct 2015 to Jan 2016 Underwriter / Business Analyst - AML Project and FTI Rebuttal Project: CO New Oak Capital – NYC Nov 2014 to June 2015

Mortgage Underwriter / QC Analyst

• Conducted front-line mortgage credit underwriting on conventional retail and wholesale residential loans:

(FNMA/FHLMC/FHA/VA) Calculated income such as Self-employment, Wage earner (W2), rental, Passive Income, and Average. Submitted to AUS system, DU and include manual underwriting.

• Review of the loan file for compliance with Federal disclosure requirements to include the Net Tangible Benefits worksheet. Review of credit reports to determine credit patterns, current liabilities, outstanding judgments and collections. Analyze assets statements for all types of asset accounts. Calculation of LTV ratios. Apply and interpret company underwriting guidelines, make sound credit decision to determine any conditions, stipulations or funding requirements.

• Review and scrub loan files for completeness and accuracy, analyzing credit documents, including but not limited to, mortgage applications, credit history and income documents, assets, title documents to ensure lien clearance, reviewing property appraisals and miscellaneous written verifications securing profits for the lending Institution. Page4

Allstate Insurance - GA Aug 2014 to Nov 2014

Financial Analyst

• Monitor & Review Production Team (Production means agents/sales teams generating revenue and develop measurement reports

• Participate in the development of operational plans and forecast and identify and communicate risks and opportunities related to the financial forecast.

• Analyze and communicate financial results for key products, markets and initiatives. Provide accurate, timely reports with financial insight to allow business partners improve performance.

• Development, maintain and analyze operational and statistical data used by management to support decision making.

• Participate in the development of operational plans and forecasts as well as identify and communicate risks and opportunities related to the financial forecast. Provide financial data to internal, external customers, identify relevant analysis and research. Mela Capital Group - GA May 2014 to July 2014

Frontline Underwriter

• Underwrite up to 4 new submission applications as well as all re-submitted and conditioned applications in a 24 hour turn time period

• Proactively work with Loan Officers, Processors, and management providing strong and clear communication regarding documents needed for mortgage loan files to ensure quick turnaround time within Guidelines throughout the loan origination process. Import data into reporting database, using knowledge of such processes to ensure accurate and efficient data collection

• QC and analyze compliance monitoring reports and other related source documents for suspicious/unusual patterns of activity

• Scrub collateral packages and closing packages into the system in a neat, orderly fashion. Perform geo coding, data quality and validity checks, review audit findings & address exceptions with the applicable line of business. Research and resolve exceptions identified in accordance with established timeframes

American Mortgage Consultants - FL June 2013 to May 2014 Underwriter / Compliance

• Have extensive experience in underwriting Freddie Mac and Fannie Mae loans; All USDA, VA, High Cost, TRID and FHA from Retail and Wholesale. Calculation of Loan to Value Ratios, Debt-To-Income Ratios, Residual Incomes, Payment Shock, and other pertinent measures of repayment ability

• Calculation of Loan to Value Ratios, Debt-To-Income Ratios, Residual Incomes, Payment Shock, and other pertinent measures of repayment ability. Responsible for insuring that all investor requirements and program guidelines are met

• Analyzed appraisal to ensure value accuracy and verify property details

• Full review manual underwrites and re-underwriting of loan files posting closing to verify that loans where in compliance and followed underwriting guidelines.

Equity Mortgage - GA July 2012 to May 2013

Wholesale Mortgage Underwriter

• Evaluate automated system referred and approved loan files by analyzing loan compliance with specific investor requirements for salability requirements.

• Ensure quality and completeness of loan files.

• Provide excellent follow-through with borrowers, loan processors, loan originators, and management throughout all phases of the underwriting process to loan closing.

• Restructure turn-down loans for subsequent approvals by leveraging knowledge of loan products.

• Perform appraisal reviews and recommend additional requirements needed for risk to adhere to company guidelines.

• Produce productivity and quality standards reports on junior level underwriters and provide second level reviews on complex files and credit exception.

• Review and sign off on all loan condition requirements.

• Analyze complex personal and business tax returns for income calculation.

• Perform geocoding, data quality and validity checks, and address exceptions with the applicable line of business. Wells Fargo Bank Promontory (Government Project OCC) - Orange County, CA Nov 2011 to June 2012 Underwriter/QA-HMDA Compliance Analyst

• Analyze data and reports to derive performance improvement opportunities.

• Provide an assessment for the overall analysis of the loan file.

• Collateral Risk Assessment preformed on all appraisals.

• Coaches and mentors less experienced analysts. Assist in formulation of risk-based compliance policies and procedures as necessary to assure compliance.

• Monitored HMDA on all closed loans, review all closed loan packages upon receipt.

• Ensure the data populations are complete, that the level of detail testing meets statistical guidelines to be sufficient in addressing compliant testing coverage of the identified weakness. Perform forensic analyses and complete re-underwriting of previously originated transactions involved in litigation.

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JPMorgan Chase - Fort Worth, TX June 2011 – Nov 2011 Underwriter/Compliance Analyst/Lead Job Coach

• Preparing formal reports for review; ensuring that documents were consistent and uphold to company and industry guidelines; implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines.

• Review decisions and final modification calculations completed.

• Mentored and trained new hires in the loan approval process. Coach and mentor unseasoned experienced analysts

• Ensure files are structured and saved based on company policies and procedures.

• Prepared detailed narrative reports for management and legal team on potential risks and opportunities as it relates to AML regulation.

• Reviewed, evaluated & synthesized data to conform loan viability and salability by identifying risk issues and potential fraud.

• Preformed quality control audits for Underwriting Operations PHH Mortgage - Florida Jan 2011 to Mar 2011

Underwriter

BBVA Compass Bank - Alabama Aug 2010 to Jan 2011

Sr. Underwriter/ Team Lead

USAA Federal Bank - Texas Feb 2010 to Sept 2010

Underwriter HMDA Project/ Team Lead

SunTrust Mortgage - GA Nov 2009 to Feb 2010

Sr. Mortgage Underwriter / Compliance Analyst

Indy Mac Bank - Prospect Mortgage - GA Jan 2009 to Oct 2009 Underwriter/ Business Analyst

Mortgage Directory - GA July 2008 to Jan 2009

Underwriter

Verizon - GA/NC/TX

Business Analyst/Deployment Lead/Help Desk/Trainer Oct 2007 to July 2008

• Responsible for training and supervising 45 agents in call center inbound calls and track trouble tickets to make sure they fully understand how to navigate thru the system to track, open, research and debug.

• System modification, changes and emulation activities identify problems. Tracked and measuring team performance.

• Identify and resolve loan file issues.

• Second level review of open tickets for completeness and accuracy, analyzing concern d circuits, test circuits and close tickets using the appropriate screens. Ensured all inter-co billing is completed on a weekly basis and review of report with Controller. Provide technical inputs to adapt the training modules. Monitor and reviewed production for quality feedback.

• Troubleshoot business units by providing financial analysis; Communicated w/Bus Units & IT regarding status & progress of initiatives & current financial status of projects; Problem solving and Troubleshooting with a team for Vision ware software during implementation. Analyzed financial impact on current state of projects; Tracks, controls, manages changes, & performs financial audits to project baseline; Ensured users I support on site and phone acknowledged all resources that were provided to them to work in the new system (help desk)

Provident Bank - California July 2007 to Oct 2007

Mortgage Underwriter (Repurchase) (Contract Project) Savoy Financial LLC - GA Jan 2005 to June 2008

Underwriter/Processor/Compliance Analyst

Washington Mutual Bank - Long Beach May 2003 to Jan 2005 Sr. Underwriter/Acct Exec/Processor: Serviced 24 Brokers Verizon Core/Business - GA/NC/TX (MCI 1999 –2003 – Worldspan 1998 - 1999) Jan 1999 to May 2003 Business Analyst

***Aetna Life & Casualty Insurance Feb 1990 – August 1993 Insurance Analyst

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