LaVon Thurmond

ad11g5@r.postjobfree.com

904-***-****

Business/Quality Analyst, underwriting professional with over 23 years plus of progressive experience in the financial/mortgage industry. Proficient interfacing data sources, conduct self-audits, identify, and correct invalid errors Key Performance Indicators (KPI) metrics to ensure accurate reporting. As an individual manages timelines and communication providing updates, training and or changes with peers, customers, vendors, executives. An ability to thrive in a fast- paced environment, completing Service Level Agreements (SLA) SME Mortgage Servicing Platform (MSP), default/collections. Human Resource, project management, trainer, and coaching.

Software/Platforms: Microsoft Office Suites (excel, PowerPoint presentations etc.) Single Point Contact (SPOC), Service Analyzer, Director, AS400, Passport, TAR, Tableau, Loan Prospector, Desktop Underwriter, LOS, ALS, Content Navigator, Cognos, other Systems of Record (SOR)

Work Experience

Credit Report Proficiency Coach

Bank of America-Jacksonville FL

October 2021-Present

●Work individually with frontline associates to build professional proficiency beyond standard skills, provide training and development on system enhancements to validate accurate reporting. Perform UAT testing, write, and update procedures for other lines of business, audit associates, view financial risks, assist with outside audits/self-audits, communicate with leadership teams and across multiple audiences.

●Engage in targeted 1-1 coaching, assess performance, validate strategic operations KPIs & metrics. Provide assessments level to Team Managers and LOB as needed to drive focus (monitor access MSP).

●Mitigate risks at loan and account levels to reduce mortgages errors (assign TSKL), enhance loan quality within the workflow (forbearance, default, property liens, compliance risk) investigate finding, and process in a centralized database/tracking tool SharePoint, integrate within Mortgage Services Platform (MSP) Loan Origination Systems (LOS). Verify Acquisition, suspense (SER1/HIST) activity etc.

●Collaborate with the leadership team to identify BAU proficiency gaps impacting results across the business and determine root cause, write, update, review, and upload immaterial and material procedures. Work within LMT3/LMTN (loan modification status) bath out accounts, document SER2 (NOTE) perform loan research, history (P309), apply Stops & Flags

●Use Microsoft office (Outlook, Work, Excel, and PowerPoint, Tableau, performing Customer Information Program (CIP), Customer Due Diligence (CDD), Anti Money Laundering (AML), and Fraud Detection.

Operations Analyst

Bank of America - Fort Worth, TX

April 2018 to October 2021

●Operations analyst responsible for analyzing Component Based Releases sent by Credit Reporting Agencies. Communicate with the customers, online processes, correcting, updating customer credit bureaus, met with compliance partners, other lines of business for approvals. Verify data reporting, quality control, completing risk analysis, apply corrections to major credit reporting agencies, reviewed defects through Content Navigator, Cognos, and validate strategic operations Key Performance Indicators (KPI) metrics, review bankruptcy accounts, and setup metrics as a control measure

●Update DALS, RMS, provide annual reviews and fraudulent reports monthly, verify/authorize associates access to various systems of record.

●Meet with credit cards (Chex systems), mortgage, and business accounts, verify Metro 2 rules and regulations. Place suppressions blocks (MAS1) at account and customer level, review FEMA, Government Shutdowns, or other disasters set transaction codes to stop negative reporting as a temporary or permanent business control.

●Write procedures, updates, initiate trainings on online seminar/skype meetings, and conference calls as needed. Attending weekly meetings reporting (stakeholders, projects) Subject Matter Expert for Mortgage Service Platform. Perform mortgage loans of all, view product types (e.g., bankruptcy, fraud, promissory note, deed of trust, assignment of deed of trust, flood insurance/mortgage insurance etc.)

●Knowledge of CFPB Mortgage Servicing Rules and requirements, RESPA/Regulation X, TILA/Regulation Z, Dodd-Frank Act/UDAAP, EFTA/Regulation E, SIGN, ECOA/Regulation B, SCRA, RF PA, GLBA/Regulations, FDCPA, FCRA/Regulation V and TCPA

●Experience with Black Knight Financial Service Director, AS400 system, LOS, Bankruptcy, Foreclosure, Loss Mitigation, Credit Bureau, Default Reporting, Task Tracking, Payoff Workstation, Assumption Workstation, PIF Tracking, Online Letter Writing, and other workstation

Florida Hit Advisor

Family Foundations

March 2016 to March 2018

●Underwrite lending documents, review, verify program eligibility, process, tax returns, HOA, mortgage bank statements, 4506T etc., to assist customers in financial challenge (s) submit to Florida Hardest Hit (FHH) UMAP, MLRP (Reinstatement) Principal Reduction, according to eligibility. Review case files for errors, DTI, AMI, Computation, Quarterly Touch every quarter, perform financial risks assessments.

●Train/teach First Time Home Buyer Program educate customer rights according to Consumer Financial Protection Bureau (CFPB), credit reporting throughout process (F2F) or phone consultation. Document Counselor Direct and DMS Systems, provide denials, eligibility letters, set up closings, and notary appointments.

●Contact homeowner-inform refer customers to other resources HARP, HAFA, HAMP, if unable to assist with current program, monitor trail modifications, review loss mitigation reason code errors metrics,

● Scan and submit closing documents, declinations, backup document /submit files with correct naming conventions, mail Fed X signed documents to FL Housing Financial Corp

Project Lead IT Quality Analyst

Black Knight Financial Services

May 2015 to March 2016

●Worked with the developers, perform audits, design, review and provide feedback for new/enhancements using Software Business Requirements and High-Level Designs, create and frame test scenarios/cases to emulate real-world business activities and operations in a controlled test environment, risks management, business continuity.

●Collaborate with UAT team Product Owner, stakeholders, and IT teams to build upon improve existing test processes, plan phases of development to identify issues, schedule (SLA) progression for project, live releases, upload SharePoint documents and report on defects. Update queries, OLLW, update various workstations (bankruptcy, collection, foreclosure,) …

●Determine test scenarios/conditions based on requirements and user business, interview, execute manual scripts for UI testing, provide workarounds, and other timelines, audits, and financial risk assessments.

●Based on (BRD) frame scenarios, design, write, and manually perform detailed functional and regression test cases, technical requirement, and configurations. As User Acceptance Tester (UAT) I identify, execute, retest assigned enhancements, fixes, validate system performs as expected, and assign tasks to teams for completion for Workload automation (WLA)

●Trained India Offshore team with date promotion, knowledge transfer, perform peer review script, and approvals to complete SLA timelines for clients, other duties assigned.

Business Analyst HAMP (Remote Contract)

PNC Mortgage

July 2012 to April 2015

●Support Investor Default reporting within PNC in a collaborative atmosphere used SQL/EDR, data mapping, as control risks and stay abreast on Regulatory Rules, summarize, update and construct using pivot tables, charts, filtering and exporting data and similar functions. Create passport queries,

●Orchestration engine workflow interfacing with data sources. Used waterfall methodology, Oracle front end user screens to research, monitor trail modification details, payments, suspense accounts, and other pre foreclosure workouts.

●Cross-functional team supported default reporting to FNMA (HSSN) and various private investors using Desktop Underwriter (DU) application for lending purpose and verification client in flood zone, accurately analyze the status of delinquent loans to both communicate and resolve issues with investors and internal audits.

●Render decision and subsequent conditions to ensure credit guidelines within compliance, escalate decisions requiring higher authority, review underwriter decisions and portfolio loans, while assisting with FHA/VA loans, until delegation is provided.

●Review credit packages that fall outside of the automated underwriting parameters, review loan applications submitted by borrowers and makes credit decisions based on lender criteria, work with underwriters and account executives, perform any additional assignments given by management.

●Assist loan officers, and credit analyst with close out loans. Follow-up with clients, payoffs, insurance, title work, order appraisals, credit reports, sending completed packets for signature on files, gather closing, and retrieve FHA number on CHUMS.

Other skillset includes medical office manager, Human Resource Manager, certified medical biller & coder, Patient advocate Freeport Memorial, Ophthalmology office manager, Travel Agent, Project Manager for Nonprofits organizations and Event Planner.

Education/Other Information

●Western Governors University-Healthcare Management -B.A. S

●Grand Rapids Educational Center- Health Insurance Specialist, Grand Rapids, MI

●Rock Valley Business College-Entrepreneur & Small Business, Rockford IL.

●Life Insurance Licensed-ASI, Lansing MI.

●Penn Foster University-Medical Billing & Coding Certifications

●FHA DE Underwriting Certification

●LEAD for Women • MINT Cohort Leader

●Toastmasters • LGBT Ally

●AAPC Member

●AHIAM Member • Employee Engagement leader

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