Jeanette Mungia-Cooper

Parker, CO ***** 303-***-**** ad2mz6@r.postjobfree.com www.linkedin.com/in/jeanette-mungia-cooper

Quality Control Specialist

Business Solutions Quality Assurance Leadership Risk Management

Accomplished quality control professional with extensive experience providing the leadership and direction needed to achieve key quality assurance-related business goals and objectives. Able to develop and execute strategy designed around quality control best practices and wide-ranging business intelligence to deliver results that ensure regulatory compliance. Proven strength in building and maintaining long-term, professional relationships with strategic business partners and quality stakeholders based on the effectiveness of the leadership, support, and solutions provided. Recognized for delivering impactful results while leading in fast-paced, dynamic business environments.

Areas of Expertise

AML/OFAC Requirements

Analysis & Reporting

Problem Resolution

Fraud Reviews

Quality Control Best Practices

Due Diligence Best Practices

Business Process Improvement

Strategic Business Partnerships

Strategy & Execution

Technical Documentation

Stakeholder Communication

Regulatory Compliance

Professional Experience

OWNER 2019 - 2023

Simply Le Crepes Food Truck, Denver, CO

Effectively managed all marketing and administrative duties, in addition to cooking and preparing foods and sanitizing the food truck and all areas.

OFFICE MANAGER 2022 - 2023

Mile High Custom Food Trucks, Denver, CO

Handled various administrative, technical, and executive-support-related tasks while resolving employer challenges with innovative solutions, systems, and process improvements that increase efficiency, customer satisfaction, and the bottom line.

SENIOR CONVENTIONAL/FHA UNDERWRITER 2020 - 2021

Loan Depot, Denver, CO

Conducted front-line retail, wholesale, and correspondent Mortgage Underwriting, in addition to DU and LP underwriting.

Performed appraisal reviews for single-family, PUD, Condo, and multi-family dwellings, ensured all loans met program and overlay guidelines, and reviewed loans with multiple properties and income producing.

Completed income analysis, including complex self-employed scenarios, reconciled file documentation to findings and system input, and reviewed and made credit decisions based on credit analysis, assets, income, and appraisals.

Underwrote utilizing AUS systems, DU, and LP, as well as manual underwriting, and used Encompass loan operating systems.

Ensured loans were reviewed and completed within Service Level Agreement (SLA) time frames.

Reviewed and cleared Fraud Guard findings.

Served as an FHA Government Underwriter, Chums# JG80.

SENIOR CONVENTIONAL/FHA UNDERWRITER 2017 - 2020

Fairway Independent Mortgage Corp., Denver, CO

Conducted front-line retail, wholesale, and correspondent Mortgage Underwriting, and DU and LP underwriting.

Performed appraisal reviews for single-family, PUD, Condo, and multi-family dwellings, ensured all loans met program and overlay guidelines, and reviewed loans with multiple properties and income producing.

Completed income analysis, including complex self-employed scenarios, reconciled file documentation to findings and system input, and reviewed and made credit decisions based on analysis of credit, assets, income, and appraisals.

Underwrote utilizing AUS systems, DU, and LP, as well as manual underwriting, and used Encompass loan operating systems.

Ensured loans were reviewed and completed within Service Level Agreement (SLA) time frames.

Reviewed and cleared Fraud Guard findings.

Served as an FHA Government Underwriter, Chums# JG80, and underwrote bond loan programs for Colorado, Washington, South Dakota, and Idaho.

SENIOR UNDERWRITER 2016 - 2017

Genpact, Irvine, CA

Conducted front-line retail, wholesale, and correspondent mortgage underwriting, in addition to DU and LP underwriting.

Reviewed and made credit decisions based on analysis of credit, assets, income, and appraisals.

Performed appraisal reviews for Single Family, PUD, Condo, and multi-family dwellings, inputting appraisal findings in the FNMA CU analysis website.

Ensured all loans met program and overlay guidelines, reviewed and submitted MI for proper coverage, and conducted income analysis, including complex self-employed scenarios.

Reviewed loans with multiple properties and income producing, reconciled file documentation to findings and system input, and ensured loans were reviewed and completed within Service Level Agreement (SLA) time frames.

Reviewed and cleared Fraud Guard findings and utilized the Encompass loan origination system.

SENIOR UNDERWRITER 2016

Amerihome Mortgage, Denver, CO

Conducted front-line retail, wholesale, and correspondent mortgage underwriting, in addition to DU and LP underwriting.

Reviewed and made credit decisions based on analysis of credit, assets, income, and appraisals.

Performed appraisal reviews for Single Family, PUD, Condo, and multi-family dwellings, inputting appraisal findings in the FNMA CU analysis website.

Ensured all loans met program and overlay guidelines, reviewed and submitted MI for proper coverage, and conducted income analysis, including complex self-employed scenarios.

Reviewed loans with multiple properties and income producing, reconciled file documentation to findings and system input, and ensured loans were reviewed and completed within Service Level Agreement (SLA) time frames.

Reviewed and cleared Fraud Guard findings and utilized the Encompass loan origination system.

SENIOR UNDERWRITER 2015 - 2016

Altavera Mortgage Services, Westminster, CO

Conducted front-line retail, wholesale, and correspondent mortgage underwriting, in addition to DU and LP underwriting.

Reviewed and made credit decisions based on analysis of credit, assets, income, and appraisals.

Performed appraisal reviews for Single Family, PUD, Condo, and multi-family dwellings, inputting appraisal findings in the FNMA CU analysis website.

Ensured all loans met program and overlay guidelines, reviewed and submitted MI for proper coverage, and conducted income analysis, including complex self-employed scenarios.

Reviewed loans with multiple properties and income producing, reconciled file documentation to findings and system input, and ensured loans were reviewed and completed within Service Level Agreement (SLA) time frames.

Reviewed and cleared Fraud Guard findings and utilized the Encompass loan origination system.

SENIOR UNDERWRITER 2015

Urban Lending Solutions, Highlands Ranch, CO

Conducted front-line retail, correspondent mortgage, and DU/LP underwriting, reviewing and making credit decisions based on analysis of credit, assets, income, and appraisals.

Ensured loans were reviewed and completed within Service Level Agreement (SLA) time frames.

Performed appraisal reviews for Single Family, PUD, Condo, and multi-family dwellings, reviewed trust agreements, and completed condo project reviews through the FNMA CPM system.

Ensured all loans met program and overlay guidelines, conducted income analysis, including complex self-employed scenarios, and reviewed loans with multiple income-producing properties.

Reconciled file documentation to findings and system input and reviewed and submitted MI for proper coverage.

Underwrote utilizing AUS systems, DU, and LP, as well as manual underwriting, and used the Encompass loan origination system.

FORENSIC MORTGAGE UNDERWRITER, DUE DILIGENCE 2013 - 2015

Global Financial Review, Inc., Englewood, CO

Re-underwrote loans to Fannie Mae and Freddie Mac guidelines and lender-specific guidelines.

Reviewed mortgage loans from portfolios or trusts that were recently closed loans, underperforming, current foreclosures, and borrowers in Chapter 7 or Chapter 13 Bankruptcy.

Evaluated credit and analyzed income, including reviewing tax returns with multiple schedules and self-employed borrowers, reviewing appraisal, title, and asset statements, and loans with multiple income-producing properties.

Provided detailed supporting evidence to the client or attorney firms for any breach of underwriting guidelines or fraudulent activity.

Used retroactive information, including mortgage documents and guidelines and current guidelines, and ensured loans were reviewed and completed within Service Level Agreement (SLA) time frames.

Worked with legal counsel to offer supporting documentation for the fraud findings and breach of contracts and provide documentation to clear organizations and individuals whose names were targeted on reports from the OFAC list/Terrorist watch list.

SENIOR UNDERWRITER 2011 - 2013

Urban Lending Solutions, Highlands Ranch, CO

Conducted front-line retail and correspondent Mortgage Underwriting, reviewing and making credit decisions based on analysis of credit, assets, Income, and appraisal.

Performed DU and LP underwriting, conducted appraisal review for Single Family, PUD, Condo, and multi-family dwellings, and reviewed trust agreements.

Completed condo project reviews through the FNMA CPM system, ensured all loans met program and overlay guidelines, and conducted income analysis, including complex self-employed scenarios.

Reconciled file documentation to findings and system input and underwrote utilizing AUS systems, DU, and LP, as well as manual underwriting.

Supervised a high-performing team of 10 underwriters, ensuring staff met production and quality requirements and that loans were reviewed and completed within Service Level Agreements (SLA) time frames.

CONTRACT ANTI-MONEY LAUNDERING/OFAC COMPLIANCE ANALYST 2011

First Data Corporation, Denver, CO

Reviewed content, made decisions for Office of Foreign Assets Control (OFAC) matches, and maintained continual checks to ensure that firms adhered to strict OFAC federal regulations.

Audited OFAC matches to ensure that business units were not involved with entities, individuals, or countries on the government sanctions list.

Performed internet research utilizing Lexis/Nexis and AutoTrak to investigate potential OFAC matches and completed and submitted SAR reports.

Worked with legal counsel to offer supporting documentation for fraud findings and breach of contracts and provide documentation to clear organizations/individuals whose names were targeted on reports from the OFAC list/terrorist watch list.

Notified management within the legal department and also provide supporting documentation as needed.

SENIOR MORTGAGE UNDERWRITER 2010 - 2011

PHH Mortgage, Jacksonville, FL

Underwrote Conforming and Non-conforming jumbo loan products for the retail division using DU while holding underwriting authority up to $1.5M.

Reviewed and made credit decisions based on credit analysis, assets, income, and appraisal, completed income analysis, including complex self-employed scenarios, and conducted appraisal analysis of all property types.

Determined and documented loan conditions, communicating requirements and decisions, and identified risks resulting from underlying business practices, underwriting, and fraud exposure.

Underwrote investor and business unit policies and guidelines utilizing AUS systems, DU, and LP, as well as manual underwriting.

FRONT-LINE UNDERWRITER, HOE SERVICE SPECIALIST II, QUALITY CONTROL SPECIALIST 2009 - 2010

Bank of America, Greenwood Village, CO

Underwrote conventional loan programs and the Making Homes Affordable program using DU, LP and Clues.

Reviewed completed loan packages against system data, corrected errors in loan packages and system data, obtained missing information, and resolved exception processing issues.

Ensured all loans were within the parameters of the program guidelines and were reviewed and completed within Service Level Agreement (SLA) time frames.

PREVIOUS EMPLOYMENT: Anti-Money Laundering/OFAC Compliance Analyst – First Data Corp., Senior Underwriter/Due Diligence-Loss Mitigation Underwriter – Aurora Loan Services.

Education & Training

Mortgage Bank Courses – Continuing Education

Reid Technique of Interviewing and Interrogation Steps Training

Pursued Paralegal Studies – Community College of Denver/ Business and Finance Studies – Community College of Aurora

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