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ADRIAN ROBINSON

Maywood, IL ***** 708-***-**** ad3b6w@r.postjobfree.com

CAREER OBJECTIVE

Highly motivated proactive financial analyst. Focused on exceptional problem-solving skills. Offering top-notch knowledge in banking, new construction, commercial and other Government-sponsored programs. Proficient in account management facilitating closings. Successful over years as a Loan Officer NMLS Licensed to educate consumers on how to become financially free.

Experience

WEALTH MANAGEMENT ANALYST 01/2022 - 11/2022

Chase Bank JP Morgan - Downers Grove, IL (Contract ended)

Evaluated analytical methods and procedures to determine how to validate, streamline or improve the audit process.

Excellent interpersonal communication and organizational skills, utilizing nox mortgage citadel systems and hosting zoom morning meetings.

Investigated and reviewed mortgage programs for Wealth Management Commercial loan documents, mso/ titles, appraisal and entity corporate documents, audit and compliance testing.

Conducted record searches and coordinated with other units on procedural problems involving complex cases, with specialized attention to detail.

Performed target testing for pre- and post-close Home Equity loans.

Knowing your Customer promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.

Utilized The U.S. Patriot Act, Bank Secrecy Act, OFAC, SEC and other AML regulatory policies

Regulatory Compliance Reviews - comprehensive transaction reviews utilizing multiple tools and services to analyze TRID, ATR, high cost, predatory lending, RESPA disclosures, and TILA/Reg Z calculations.

SENIOR MORTGAGE LOAN COMPLIANCE/PROCESSOR 07/2020 - 11/2021

Home Point Financial Operations Center - Remote Contactor – IL (contract ended)

Review approvals created and completed loan submission packages.

Managed conditions sent from underwriting and reviewed flood certification.

Handled compliance testing for auto Finance, Credit Card, and Home Equity.

Filed completed packages quickly and efficiently.

Coordinated with buyers, sellers, title companies, attorneys, escrow agents, surveyors, and real estate agents to collect information to complete loan submissions and UCC searches.

Prepared final loan documents and other mortgage closing packages following TRID, Regulation B guidelines and FLODD loan programs.

Educated clients regarding company financing guidelines and reconciliation of payments hoi taxes and insurance.

Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.

Managed loan application pipeline by completing and submitting reports within allotted turn-around times.

MORTGAGE LOAN COMPLIANCE/PROCESSOR 01/2020 - 07/2020

Huntington Bank - Remote - Contactor – IL

Called applicants to evaluate their eligibility.

Assisted with analysis and data gathered to support risk assessment.

Prioritized, organized, and multitasked.

Prepared final loan documents and other mortgage closing packages following TRID, Regulation B and Regulation Z guidelines and loan programs.

Handled compliance testing for auto Finance, Credit Card, and Home Equity.

Ordered third party services credit reports, rate locks, flood certs, appraisals specialized in self-employed clients to efficiently accomplish service goals.

Worked successfully with a diverse group of coworkers to accomplish team goals and address issues related to our products and services.

Scheduled and completed mortgage closings handled pipelines with an average of 40 closed loans each month.

Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.

DUE DILIGENCE BANKER 09/2018 - 12/2019

BMO Harris Bank - Downers Grove, IL (Full time:-laid off)

Monitored automated fraud screening alerts and reported suspicious activity, while filing Electronic fund transfer (Reg E.) claims closing up to 40% of compromised bank accounts ad hoc projects.

Reviewed and performed internal control testing on client’s Anti-Money Laundering (AML), Fraud and other processes.

RESPA) Regulation Z (Truth in Lending); Regulation B (Equal Credit opportunity) risk management

Diagnose, research and resolve technical issues with software interface between bankers and customers.

Opened Business Accounts and ensured that all accounts were set up with accuracy and attention to detail.

Utilize banking back office process, used various systems research portals while referring to policies and procedures to determine and resolve diagnostic Performed diligent analysis on users' Login and passwords troubleshoots for over 75 accounts daily resulting in 85% resolves.

Handled compliance testing for auto Finance, Credit Card, and Home Equity.

Reviewed and recommended credit line increase and extensions of credit through research and analysis of financial documents trained top-quality candidates to fill vacancies and maximize the team performance.

Prepared internal and regulatory financial reports, balance sheets and income statements.

Checked payroll, vendor payments and monitored credit card fraud alerts for accuracy and compliance.

Managed relationships with tax authorities, bankers and auditors.

SENIOR MORTGAGE LOAN CLOSER/COMPLIANCE/PROCESSOR 07/2015 - 10/2018

PNC Bank - Downers Grove, IL (Full time:-laid off)

Verified income and loan documents Due Diligence.

Handled compliance testing for auto Finance, Credit Card, and Home Equity.

Prioritized loan files to meet individual loan timelines with associated TRID-Regulation E'

Utilized The U.S. Patriot Act, Bank Secrecy Act, OFAC, SEC and other AML regulatory policies

Gathered client debt, credit and income information to determine loan eligibility.

Commitments, mortgage contingency dates, and rate locks

Calculated the customer's initial payment and closing disclosure's repayment schedules for delinquent customers to bring loans current.

Reviewed loan files cleared conditions and ordered clean title documents to enable expeditious closing of loans

Scheduled, and completed mortgage closings, handling pipeline an average of 55 closed loans each month

AML HMDA COMPLIANCE ANALYST 06/2015 - 10/2015

Wells Fargo Bank, N.A. - Downers Grove, IL contract ended

Communicated customer's activities and trends that implicated potential money laundering or terrorist financing.

Managed a pipeline of up ro 15 loans daily, evaluating accuracy, resulting in a 98% quality of saleable loans.

Monitored the implementation and conduct of operations compliance with HMDA regulatory and legal requirements.

Ensured completeness and accuracy of HMDA data reports.

Performed over 65 HMDA scrubs monthly with 99% accuracy.

Validated post-closing audit of in-house loan application. Conferences and other training events to stay apprised of regulatory matters and developments.

Maintained fraud analysis models to improve functionality of company systems.

Inspected audit reports of internal and external auditors to monitor adequacy of scope of reports or discover specific weaknesses in internal routines.

JUNIOR UNDERWRITER/ESCROW CLOSER 01/2012 - 10/2015

Freedom Mortgage Corporation - Downers Grove, IL (Full time:laid oof)

Prepared commercial/residential loan documents in accordance with program and state/federal compliance requirements maintained communication with operations staff and third party vendors to ensure timely delivery of loan documents

Confirmed accuracy of loan information on closing documents and verifies the underwriting conditions are satisfied prior to closing

Performed the last audit to ensure the loan conforms to all investor, state and federal guidelines, prior to closing

Responsible for auditing the loan files for the purpose of preparing Closing documents, worked closely with all involved parties to ensure timely and complete closing packages

Reviewed FHA, VA, Jumbo and Conforming loans.

Prepared final loan documents and other mortgage closing packages following TRID, Regulation B and Regulation Z guidelines and loan programs.

Approved, declined, or suspended residential mortgage loan submissions; must be responsible to meet deadlines when heavy periods of volume. Calculated escrow accounts and adjusted payments.

Skills

Reports Analysis

Discrepancy Research and Resolution

Quality Control

Interpersonal Communication

Deadline Driven

Processor

Document Review

National Mortgage Association NMLS ID838565

A+Certification

Empower, Outlook, Oracle, Encompass, lending tree, windows, excel, LQ, blacknight, microsoft office, nox, fis,

and several internet systems and E-learning training modules.

Education and Training

Farragut High School - Chicago, IL High School Diploma

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