Berethia Hopkins

McDonough, GA

ad0w41@r.postjobfree.com

+1-404-***-****

Work Experience

The Clayton Group LLC - Atlanta, GA

June 2012 to Present

• Reviewed files from a retail, correspondent and broker channel of business to validate loans for investor requirements and quality. Re-underwriting of residential mortgage loans Alt A, JUMBO, Sub Prime and Agency single family, 2-4 family, condominium, cooperative, land trusts, leaseholds and factory-built property loans.

• Loan files were reviewed for completeness and accuracy, and the reviews entailed analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance documents.

• Adhered to all client/lender policies and procedures, in addition to federal, state, and/or municipal laws and regulations within the due diligence process. In addition, a primary responsibility is to identify portfolio risks resulting from a client's underlying business practices, underwriting, and/or fraud exposure. Forensic Auditor

RR Donnelley Global Real Estate Services - Atlanta, GA May 2009 to December 2011

* Perform re-underwrite and extensive post-closing forensic analysis on nonperforming conventional, Alt-A and subprime mortgage loans for FNMA and Structured Finance Insurers * Analyzing loan details borrower repayment capacity from analyzing tax returns, financial statements, and collateral valuations

* Review the DU, LP, lender AUS and/or manual underwrite detailing issues in noncompliance with the approval and applicable investor guidelines.

* Verify compliance with Federal and applicable State regulations.

* Use detection techniques and industry red flags to identify loan irregularities and fraudulent activities.

* Prepare written finding reports detailing guideline and regulatory violations along with any misrepresentations, underwriter negligence or layered risk issues for repurchase letters.

* Reviewed GFE for accuracy.

* Sent initial disclosure packages to borrowers after reviewing GFE.

* Prepared reports of the results of the validation process.

* Reviewed loan files which had a change in fees to determine if a re-disclosure GFE and/or TIL is required. Mortgage Underwriter

BROOKINGS & CROSS ASSOCIATES - Stockbridge, GA

December 2007 to October 2008

• Manually evaluated residential loan applications for 1-4 family dwellings reviews in accordance with FNMA and FHLMC guidelines.

• Reviewed documentation for income, assets, credit and appraisals to determine loan eligibility with a signing authority up to $1 million.

• Determined credit grade and program preference based on the borrower credit profile.

• Inspect title reports and commitments for title clearance.

• Extensively reviewed preliminary and conditional documents for accuracy and compliancy in accordance to lender guidelines.

Collateral Review Analyst

THE STONEHILL GROUP - Atlanta, GA

August 2006 to October 2007

• Onsite reviewer for member pledged loan collateral.

• Ensured compliance with bank policies and procedures and performed an assessment of the underwriting documentation and administration of loan collateral.

• Evaluated all collateral pledged to the bank including residential mortgage loan, multi-family mortgage loan, commercial real estate loans, home equity lines of credit, second mortgages and securities of collateral.

Mortgage Underwriter

The Clayton Group LLC - Shelton, CT

July 2004 to August 2006

Worked with several companies during tenure:

• Examine overall loan documentation to ensure accuracy, completeness and fraud prevention for loan approval.

• Analyzed and determined appraisal reviews utilizing third party data sources.

• Determined lending capacity based on the consumer credit and financial analysis.

• Reviewed closing documents to ensure compliance with state, federal and lending guidelines. Mortgage Underwriter

RPI - New York, NY

January 2000 to June 2004

Worked with several companies during tenure:

* Conduct underwriting reviews in accordance with FNMA and FHLMC.

* Assessed collateral valuations for accuracy and secondary reviews, analyze credit, financials and income to determine program qualifications as it applies to the lender guidelines, Desktop Underwriting

(DU) and other proprietary AU System for loan approval.

* Responsible for system overrides and loan exceptions with direct signoff authority of up to $1,000,00ice

- 1988

Education

TUSKEGEE UNIVERSITY - Tuskegee, AL

Skills

• Documentation Review

• Credit Analysis

• Underwriting

• Internal Audits

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