ASIA L RHEA

214-***-****

ad2d4e@r.postjobfree.com

SUMMARY: A task-oriented Risk Compliance/Quality Control Analyst with 13+ years’ experience in client relationship management, budget development & adherence and compliance. Adept at business research, loans reconciliation and analysis, mortgage processing and quality management. Proven ability to align client material desires with client financial goals while allowing for some flexibility in appropriate situations. Possesses strong time management skills and a keen sense of urgency. Specialization in cultivating a positive and pro-active environment which meets and exceeds company and client goals.

Areas of Expertise

• System Development Life Cycle • Process Analysis • Project Management

• Strategic Thinking • Leadership • Training Implementation

• Mentoring/Coaching • Internal/External Auditing • Microsoft Office Suite

• Quality Control Compliance • Data Analysis/Data Integrity • SOP Development

*BSA/AML/SARS/KYC

Education

MBA (Mortgage Bankers Association) Acheron of Mortgage Banking 1

Business Finance Tarrant County College and Northlake College Previously Licensed with National Mortgage Licensing System & Registry as part of the Federal Safe

Certifications

Certificate of Completion FHA Online University Direct Endorsement – “DE Underwriting”

CM2-01 & CM2-02 Certificates of Completion from Institute of Process Excellence (IPX) for Configuration Management

Professional Experience

03 / 2022 – 9/2023 SR. QUALITY AUDITOR/UNDERWRITER FIRST HORIZON

Review and assess underwriting decisions for pre-funding full file QC review, reporting, and record retention; as well as early payment default review.

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

Respond to Line of Business responses on pre-funding, targeted reviews, and clear files to close.

Assist in the preparation of monthly Pre-Funding Report for QC Manager.

Review prefund Jumbo, Purchase and Refinance mortgage loans for completeness and accuracy prior to Closing/Funding.

Conduct full credit review of files to ensure investor and agency guidelines are favorably met, while determining the severity ratings on deficiencies found.

Frontline underwriting Purchase and Refinance mortgages by reviewing loans for and performing sufficient investigative work to

confirm or disprove issues that are identified.

Analyze appraisals, credit, income, and title documents.

Evaluate debt to income ratio, loan-to-value, and other factors.

Perform Risk analysis and data integrity reviews to detect and identify transaction components that indicate potential for fraud.

Assess completeness of loan file and documentation prior to releasing loan to be funded.

08 / 2020 – 03/2022 SR. QUALITY ANALYST/UNDERWRITER REDFIN MORTGAGE

Review prefund Jumbo, Purchase and Refinance mortgage loans for completeness and accuracy prior to Closing/Funding.

Conduct full credit review of files to ensure investor and agency guidelines are favorably met, while determining the severity ratings on deficiencies found.

Frontline underwriting Purchase and Refinance mortgages by reviewing loans for and performing sufficient investigative work to

confirm or disprove issues that are identified.

Analyze appraisals, credit, income, and title documents.

Evaluate debt to income ratio, loan-to-value, and other factors.

Perform Risk analysis and data integrity reviews to detect and identify transaction components that indicate potential for fraud.

Assess completeness of loan file and documentation prior to releasing loan to be funded.

08 / 2019 – 8/2020 SR. QUALITY CONTROL/ FORENSIC AUDITOR/UNDERWRITER STEARNS LENDING

Review prefund Jumbo, Purchase and Refinance mortgage loans for completeness and accuracy prior to Closing/Funding.

Conduct full credit review of files to ensure investor and agency guidelines are favorably met, while determining the severity ratings on deficiencies found.

Frontline underwriting Purchase and Refinance mortgages by reviewing loans for completeness and accuracy. Analyzed credit documents, income documents, title documents, and appraisals.

Evaluated debt ratio, loan-to-value, and other factors.

Communicate findings to Regional Operation Centers (ROCs) for all findings.

Assess completeness of loan file and documentation prior to releasing loan to be funded.

Complete full forensic audits to focus on fraud prevention and misrepresentation in targeted loans that exhibit high risk characteristics.

08/2016 – 5/2019 SR. QUALITY CONTROL/COMPLIANCE AUDITOR COLONIAL SAVINGS

Diligently performed FHA, Conventional, VA & USDA audits to ensure compliance with mortgage and banking industry regulations and provided training and operational guidance to appropriate executive or staff to ensure understanding and application of relevant regulations and standards.

Screened incoming correspondence, conducted random branch audits on behalf of Home Office to assist in clearing of delinquent loans in their pipeline and forwarded material to relevant executive.

Conducted Risk Compliance Audits of Internal Lines of Business throughout the company.

Monitored implementation and adherence to new and existing compliance requirements.

Assessed Risk (financial, operational, and compliance) and the adequacy of related controls surrounding financial, operational and compliance areas of business.

Implemented and maintained an internal tracking system, resulting in improved timelines of all correspondence.

Prepared, reviewed and edited internal correspondence, reports, letters and presentations and documented business process and findings in narratives for Senior Management review.

Recommended appropriate changes and corrections to examined audits.

Test findings using analytical tools, sampling or data analysis and designed templates, checklists and implemented the usage of Pivot Tables to reduce error and improve delivery.

Created SWAT teams to foster and require interdepartmental communication and stakeholder sign off to drive client satisfaction; achieved 20% increase in client satisfaction surveys related to processes implementation within 6 months.

Consistently developed career through attending 2+ training and/or relevant certification programs quarterly.

01/2013 – 08/2016 SR. POST CLOSING ANALYST/TEAM LEAD CALIBER HOME LOANS

Facilitated, managed and oversaw Investor Government Bond Project and successfully identified and constructed proactive measures to avoid over $100K in risk possibilities within 24 months.

Reviewed, analyzed and audited several different agencies’ specific file checklist and supported internal financial reporting, timely and accurate customer profiling while

submitting important loan data to each agency’s website within 1-3 business days of receiving closed loan hard file packages.

Directed and coordinated systems and processes necessary for the efficient delivery of original documents to specific agencies in a timely manner

Conducted reviews of existing procedures to pursue opportunities to make cost-effective improvements and prepared and provided daily, weekly, monthly and annual reports and updates to senior management.

Assigned tasks if needed to employees based on loan volume, set completion dates and managed performance in accordance with organizational policies and procedures.

Met monthly with 8 selected employees to provide feedback and updates on any information to ensure all Caliber, Federal & agencies’ guidelines and regulations are met and company goals exceeded.

Analyzed and prepared Correspondent mortgage collateral packages prior to being electronically shipped to investors.

Conducted client needs analysis in compliance with funding criteria and guidelines and audited closed loan packages for essential required documentation to ensure package meets compliance guidelines.

Resolved discrepancies as quickly and permanently as possible, while serving as an executive liaison between Caliber and closing agents.

Provided investors with daily reports on loan productivity and boosted annual fundraising revenues from 6 to 12% annually.

Created a procedural manual and forms for efficient processing and accurately report refreshed analysis on Mini-C loan date by running V-LOOK UP.

Communicated daily through email with investors and warehouse bank to fulfill request on suspended loans and interviewed 60+ client requests for emergency financial assistance and determined eligibility.

Corrected exceptions for mortgage lines (Correspondent, Wholesale, Retail and Mini-C) to give green-light for funding.

Accurately reviewed loans corrections/adjustments with Post-Funding, Secondary Marketing and the Funding/Purchasing manager to ensure all loans are purchased correctly and in compliance with Caliber

Coordinated Post-funding adjustment functions with the Funding/Purchasing Manager, the Treasury Department, Accounting and the Servicing Department to ascertain accurate recording of Post-Funding adjustments and developed data input process for weekly and monthly report tracking that decreased erroneous reporting by 60%.

Compared and contrasted data from loan documents and modified loan origination system if needed, while also managing the accuracy/completeness of the adjusted/corrected data and document for the shipping department to efficiently provide acceptable turnover of mortgage loans.

Confirmed and verified all required documentation, compliance, credit, collateral, capacity documentation submitted to the loan from underwriting and closers.

06/2005 – 03/2013 MORTGAGE BANKING SENIOR PROCESSOR/ SENIOR QUALITY ANALYST 2 JP MORGAN CHASE

Maximized client experience by effectively resolving or delegating 60+ account inquiries and requests daily.

Supervised 100+ clients in CRM system and set up files and ordered all necessary exhibits for appraisals and credit reports.

Created financial reports for new and existing clients while checking alternative documentation for accuracy and potential problems.

Reconciled company’s monthly, quarterly and annual accounts and prepared and calculated income assets thoroughly before submission to underwriting.

Generated monthly and annual financial statements and ordered and reviewed title insurance, appraisals, loan payoffs, flood/tax certificates, and surveys, and thoroughly review all documents and rate locks prior to underwriting submission.

Collaborated directly with underwriters, closers, title companies, escrow agents, loan officers and Executive Management to correct deficiencies in internal applications and databases and to ensure proper disclosures required by federal regulatory compliance are met.

Reevaluated the borrowers’ current profile with regard to researching loan type, income/asset info, hardship request and property calculation while determining best financial solutions for the company/borrower while adhering to state/federal laws and regulations.

Researched and permanently resolved issues related to negotiating loan agreements/arrangements or pending foreclosure by serving as a liaison to communicate action recommendations and follow up effectively.

Ascertained regulatory service levels were exceeded by working with customers to perfect modification applications for the final review pre-underwriting and all deliverables achieved simultaneously, accurately and efficiently while meeting deadlines.

Conducted business specific research, gathered and analyzed data, reviewed and resolved files and emails prior to composing letters on behalf of Chase Executive Office to customers, Government officials, agencies (OCC, BBB) and Attorneys by providing final resolution for modification inquiries that occasionally included reject assignments that did not meet company standards.

Performed full-cycle account reconciliations, analyzed, evaluated, researched and processed feedback as resolution to intricate email correspondence sent in by customers regarding escalated issues.

Revitalized desk procedures for daily processing, sorted and processed collection support queues, excerption reports, Debt Management Correspondence which improved process maintenance and 12% less daily processing errors.

TECHNICAL: Total Systems, EMPOWER (LOS), ACES, ONBASE, FiServ, LP/DU, H20 QCP2, Roostify, Chase File Manager, Kroll Factual Data, Nice Recording, Productivity Improvement, Typing Speed 50wpm, HL Federated Search, CREDCO/RealEC, Fidelity, MSP, LSP, Pega/InfoSource, LenderLive/I-Vault, Zippy/CLOSR, CCW, Kana, 10-key touch, DataVerify, AUS, Image Viewer, Encompass.

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