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Nancy Vuca

Compliance & Mortgage Management

ad36w5@r.postjobfree.com • 630-***-****

LinkedIn • Hudson, Florida 34669

Accomplished and dynamic professional with extensive experience in ensuring regulatory adherence and optimizing operational efficiency across diverse mortgage portfolios, driving strategic initiatives to mitigate risk and maximize profitability. Proven track record of researching and comprehending regulatory requirements to evaluate and enhance business policies, procedures, and systems, ensuring alignment with applicable laws and regulations. Adept at collaborating with cross-functional teams to develop compliant solutions, mitigate risks, and remediate consumer compliance issues, while effectively communicating compliance deficiencies and potential problems to management. Skilled in overseeing complaint tracking, conducting compliance risk assessments, and providing insightful analysis to drive strategic decision-making. Talented in offering inclusive support to team and management, including assisting with inquiries, identifying training needs, and ensuring adherence to quality control standards.

• Expert in managing diverse portfolio of specialty loans, including Renovation loans, Co-ops, CEMAs, Buydowns, Manufactured Homes, Trust, and Co-signers, while ensuring each client received tailored solutions to meet unique needs.

• Possesses comprehensive expertise in specialty loans across various states nationwide, while adeptly navigating regulatory differences and delivering exceptional service to potential clients across United States.

• Demonstrated history in mortgage industry from processing closing, funding post-closing and purchasing with each loan audited from title and appraisal to individual documentations to clear necessary condition.

• Collaborative team player, serving as reliable backup for diverse team members and executives and stepping in to manage pipelines and resolve outstanding issues as required.

• Proficient in creating comprehensive status reports, reviewing new products and policy updates, and facilitating staff training on compliance regulations.

• Committed to ensuring organizational compliance excellence through proactive engagement and rigorous follow-up to uphold regulatory standards in fast-paced challenging environments. Areas of Expertise

• Regulatory Compliance

• Cross-functional Collaboration

• Staff Training & Leadership

• Mortgage Operations

• Risk Assessment & Mitigation

• Audits & Examinations

• CEMA, Jumbos, Simos, & HARP

• Regulatory Change Management

• Trainer Onboarding

• Database Management

• Customer Support & Success

• Federal Compliance

• FHA, VA, USDA, & Conventional

• DPA Grants & IDHA

• Policy Development & Execution

• Project & Program Management

• Performance Optimization

• Operational Excellence

• Client & Stakeholder Engagement

• Data-Driven Decision Making

• Funding Management

Professional Experience

Fairway Independent Mortgage, Wholesale / Correspondent, Lisle, IL (Remote in FL & East Coast) 2018 – 2024 Team Lead Closing Department

Oversaw daily company operations aimed at ensuring smooth workflow and resolving major issues on early stages. Led team to greatness in rapidly growing company, while managing correspondent and wholesale loans closing department. Cleared conditions, meet compliance regulations, and review insurance coverage, appraisal, and inspections. Planned and initiated title examinations, enter debts, impound taxes and insurance, and generate closing documents for informed decision-making. Maintained certifications in compliance, regulations, and guidelines in line with industry standards. Conducted policy and process training within team aligned with organizational standards.

Key Accomplishments:

• Attained precise and compliant closings and funding within Encompass system, while guaranteeing meticulous attention to detail and adherence to regulatory standards.

• Trained to manage all specialty loans, while mentoring backup colleague to confirm seamless loan processing even during absence.

• Ensured accuracy and compliance by disclosing Initial and Final CDs, while expertly balancing and verifying financial data.

• Guaranteed fee accuracy and borrower data integrity by proactively reviewing and approving CDs.

• Increased level of customer satisfaction by managing incoming and outgoing calls and performed general office duties.

• Facilitated Zoom calls and meetings for supervising pipelines and adjusting as necessary.

• Qualified in all aspects of mortgage industry with comprehensive knowledge spanning from origination to closing, excluding specific certifications in underwriting.

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• Achieved personal growth by cultivating self-control and honing communication skills, positioning myself as prime candidate for team lead role.

• Demonstrated unwavering dedication, investing long hours, and leveraging extensive knowledge and experience to proficiently accomplish diverse tasks.

• Enhanced knowledge base and skill set and fostered professional growth by pursuing diverse learning opportunities. Home Trust Mortgage Corporation Schaumburg, IL 2015 – 2017 Compliance Manager – Closing & Purchasing

Headed day-to-day company functions, while creating procedures supporting company accelerated growth and expansion. Planned and initiated weekly FACTA Audits, Appraisal Audits, APLD Extensive Audits, and MSA Re/max Locations. Managed Final Docs process, tracking, sending Recorded Mortgages & FTP, and researching missing documents. Led rollout of paperless environment, including procedure creation, training, and system implementation. Verified employment, cleared conditions, guaranteed compliance with regulations, and reviewed appraisals and inspections. Key Accomplishments:

• Dedicated to continuous self-improvement and passionate about self-teaching, excel in diverse areas of career, fueled by insatiable appetite for knowledge and growth.

• Planned and organized training, mentoring, and certifications for in-house staff across seven ReMax Locations and loan officers, while ensuring compliance with Federal regulations.

• Gained extensive compliance training certifications for Federal, State, and organizational requirements, while supervising others in line with compliance procedures.

• Maintained 50% pipeline for closing, including audits, initial CDs, funding’s, and post-closings in Encompass system.

• Boosted level of customer experience by managing incoming and outgoing calls, as well as general office duties, while keeping compliance certifications for Federal, State, and organizational guidelines. Wells Fargo Bank NA- (Retail and Wholesale), Lombard, IL 2008 – 2015 Closing Specialist II – Funding & Post Closing

Completed FHA, VA, CEMA, Conforming/Non-Conforming, Conventional, New Constructions, Payment Plans, Builder Best, Union P, RD, Home Opp, HARP, and Simos loan processing, closing, and funding in CORE and LIS systems. Verified employment, cleared conditions, and ensured compliance with regulations for insurance coverage, appraisals, and inspections. Reviewed insurance, executed documents, ordered funds, and cleared conditions for funding in line with compliance regulations. Trained newly hired staff on compliance with regulations and guidelines for Federal, State, and organizational requirements. Key Accomplishments:

• Created innovative procedures to support accelerated growth and nationwide expansion of closing department, while proactively supervising 40+ employees.

• Excelled in comprehensive Mortgage training, mastering all aspects except underwriting certifications, while demonstrating expertise across diverse areas of industry.

• Earned responsibility for training and mentoring staff on procedure and compliance in CORE and LIS systems.

• Ensured precision in system operations by validating data accuracy, authorizing fees, and upholding records of Wells Fargo and borrower particulars for seamless closure documentation and HUDs.

• Supported potential customers with resolving major problems and clarifications, while managing incoming and outgoing calls and performed general office duties.

• Demonstrated exceptional time management skills, attention to detail, and unwavering accuracy through diligent self-audits, while guaranteeing error-free completion of tasks. Additional Experience

Notary Closer/ Closing/ Funding/ Post Closing Purchasing, Landmark Financial, Inc., Hanover Park, IL Junior Underwriter – Processing, Argent Mortgage, Geneva, IL Education & Professional Development

Bachelor’s degree of Science in Healthcare Administration, University Of Phoenix, Phoenix, AZ, GPA: 3.45, 2012 Honors: Dean’s List (4 semesters)

Associates Degree of Science in Healthcare Administration, University Of Phoenix, Phoenix, AZ, GPA: 3.23, 2010 Honors: Dean’s List (4 semesters)

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