KIMBERLY T. COPPRUE

Atlanta, Georgia ad3i6a@r.postjobfree.com 248-***-**** LinkedIn Profile

MORTGAGE EXPERT AND REGULATORY COMPLIANCE SPECIALIST SEEKING MANAGERIAL-LEVEL POSITION REGULATING POLICIES, PROCEDURES, AND PROTOCOL FOR BUSINESS INSTITUTION Accomplished,multifaceted financial investment specialist– equipped with 20+years of ethical expertise implementing applicable laws,enforcing audit guidelines,and analyzing fiscal records– seekinganopportunitytoupholdacompany’s state and federal compliance status and internal controls.Specialize inalleviatingpotentialriskfactorsbycollaborating with interdepartmental teams,maintaining open lines of communication among leaders,and creating a mutually supportive work environment committed to meeting deadlines and optimizing staff performance.Established a track recordforimplementingcomplianceproceduresproventoincreaseworkforceefficiencyby25%whilereducinginstances of non-compliance by 35%.Open to adjusting to a flexible schedule requiring technological proficiencies,along with a hybrid or remote work model.

Technical Skills:Microsoft 365 (Teams, Word, Excel,PowerPoint, Outlook, OneDrive) Google Workspace (Gmail, Docs, Sheets, Meet) Marvent Desktop Underwriter Zoom LinkedIn Facebook/Meta Instagram YouTube

● Organizational Communication

● Regulatory Compliance Mandates

● Risk Management Assessments

● Large-Scale Budgetary Forecasting

● Information Technology and Connectivity

● Real Estate Investment Protocol

● Client and Stakeholder Confidentiality

● Regulatory Guidelines, Policies, and Procedures

● Entrepreneurial Acumen and Team Building

● Problem Solving and Conflict Resolution

● Qualitative and Quantitative Research

● Interpretation of Technical Data

PROFESSIONAL EXPERIENCE

Managing Partner of Business Operations July 2020 - November 2023 Emerson Gray & Young Investment Group LLC - Atlanta,Georgia (Founded in Michigan)

● Supervised the organization’s construction budget allocated for closing residential real estate projects, completing refurbishments, and connecting buyers to their desired homes.

● Collaborated with partners in executing final property sales by reviewing all required client purchasing documents before acquisition and signature.

● Administeredandadheredtoanoperationalbudgettoensurethetimelinessofcustomerserviceand completion of project implementation.

● Hosted weekly meetings to communicate with project managers and generalcontractorsregarding project timelines, budgetary updates, task delegation, and challenges to productivity. Regulatory Compliance Analyst October 2020 - May 2022 Bank of England Mortgage- Little Rock, Arkansas (Remote)

● Collaborated with the AVP and a team of 10 specialists in managing compliance Queue while reviewing,analyzing,and interpreting state and federal laws and regulations,which were incorporated into seamless business practices and aligned with institutional mandates.

● Tracked all regulatory changes through Encompass Enhanced Mortgage for operation and underwriting,and required forms anddocumentationtomeetallregulationspertinenttomortgage lending, such as ECOA, REG Z, TILA, and REG X.

● Enforced company’s operational compliance with RESPA,TILA,andstatemortgagelicenseagencies while monitoring the status of programs intended to align with state policies, laws, and regulations.

● Enhanced Mortgage Operations and Underwriting departments through quarterly assessments to ensure the authenticity of forms and disclosures during the mortgage origination process. Bank Operations QC Analyst January 2018 - April 2020 AAA Bank- Dearborn, Michigan

● Reviewed mortgage and consumer loan files to ensure regulatory requirements,which included reviews of legal forms, underwriting documents, and departmental procedures.

● Performedloanfilereviews,pre-fundingassessments,andpost-closingauditswhilesubmittingdata validation feedback and remediation recommendations for loan applications.

● ContributedexpertsubjectmatterinsightstoexecutiveleadershipteamregardingHMDA,HMDAPlus, and CRA reporting while interpretingperformanceanalysisresearchindicatingtrendsinthebank’s annual performance.

● Conceptualized operational oversight strategies governing the standards of data quality,consumer compliance, consumer booking, and adverse consumer action. Senior QC Compliance Auditor July 2016 - January 2018 American Mortgage Consultants Inc. - Farmington Hills, Michigan (Hybrid)

● Performed loan file reviews between 20 to 25 pre-funding and post-closing audits.

● Verified data integrity of loan origination system in accordance with product type and investor guidelines, driving document submissions.

● Ensured accuracy and consistency of lender information in accordance with new TRID guidelines. Disbursement Analyst May 2015 - July 2016

Best Homes Title - Farmington Hills, Michigan

● Succeededinprocessingclosingmortgagepackagesforpurchasesandrefinancingagreementswithin the first year of employment.

● BalancedfundingfromFNMAandpreparedrespectivereportsforpropertiespurchasedandexpected refunds.

● Upheld partnership with Fannie Mae,paid off lenders and mortgage companies,and issued appropriate checks for equity loans, purchases, and refinances. Closing Coordinator II December 2013 - March 2015

Closing Preparation Specialist II August 2011 - December 2013 Title Source Inc. - Detroit, Michigan

● Liaisedbetweenthecompany’sexecutiveleadershipteamanddesignatedlendersinpreparingclients with information, strategies, and milestones leading to finalizing buyer titles.

● Reviewedclosingpackagesforaccuracyincontactdetailsandfinancialdesignationswhilefollowing the lender’s closing instructions.

● Collaborated with lenders and borrowersinensuringaclear,seamlessclosingprocessthatremains on schedule and within the agreed-upon budget.

● Prepared title documents and preliminary HUDs while reviewing closing itineraries from the lender. EDUCATION

Bachelor of Science in Business Administration / Management Wayne State University (Mike Ilitch School of Business) - Detroit, Michigan